Outlook Finance · Car Finance

Car & Vehicle Finance

New, used, business vehicle, or personal — we compare car loans, chattel mortgages, novated leases, and consumer asset finance from lenders. Approved in 24 hours.

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Australian Credit Licence 418711

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15+ Years Experience

2,000+ Australian families helped

The problem at the dealership

Dealer finance is rarely the best deal

The car dealer offers in-house finance because the dealership earns a margin on the loan, not because it’s the best rate for you. The rate gap between dealer finance and broker-arranged finance is often 1.5%-3% — that’s $3,000-$8,000 extra over a 5-year term on a $50,000 vehicle.

The Outlook way

Approval in 24 hours, then negotiate at the dealer

Get pre-approved through us before you walk into the dealership. You then negotiate the car price knowing you have finance sorted at a sharper rate, no pressure to take their finance product. We compare asset finance lenders and structure the deal to fit (chattel mortgage, novated lease, secured personal loan).

How it works

Three steps. Roughly 30 minutes.

1

Apply

Tell us your situation in a 2-minute online form, or call for a 10-minute chat. No documents needed yet — we just want to understand what you are trying to do.

2

Assess

We compare every product on our lender panel against your situation, then walk you through the 2-3 best options including realistic rates, fees, and turnaround times.

3

Approved

We package and submit the application, chase the lender, and keep you informed at every step. Most clients are unconditionally approved within 5-10 business days.

Frequently asked

Common questions about car finance

Should I get a personal car loan, chattel mortgage, or novated lease?+
Personal loan: vehicle for private use, no business benefit. Chattel mortgage: business uses the vehicle, you want to claim GST and depreciation. Novated lease: PAYG employee, vehicle bundled into salary package, employer makes payments pre-tax. Each has different cash flow and tax implications — we'll model the right structure for you.
How much deposit do I need for car finance?+
Many lenders fund 100% (no deposit needed) for vehicles up to $80k-$100k for borrowers with good credit and income. A 10%-20% deposit can sharpen the rate by 0.5%-1%. Used vehicles often need a small deposit to bridge the gap between purchase price and market value.
What rate can I expect on a car loan?+
For new vehicles with strong credit: typically 6%-8% p.a. for chattel mortgage, 7%-10% p.a. for personal loans (rates move with cash rate). Used vehicles 1%-2% higher. Older vehicles or non-standard borrowers (low doc, credit events) sit higher again. We'll quote a real number once we know your situation.
Can I finance a used car?+
Yes, most lenders fund used vehicles up to 10-15 years old at end of term. So a 5-year-old car financed over 5 years is fine; a 12-year-old car financed over 5 years usually isn't with mainstream lenders. Specialist lenders cover older vehicles.
How fast is approval?+
For 'low-doc matrix' approval (under ~$150k, ABN holder with 2+ years trading): often 4-24 hours from application. Full doc deals or amounts over $250k: 1-3 business days. We submit digitally to keep it fast.

Get a Free Assessment

Talk to a broker today — no cost, no obligation.

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Or call 1300 432 961 · Mobile 0481 712 907 · Email info@outlookfinance.com.au · Mon-Fri 9am-6pm AEST