01
Tell us about the car
New or used, dealer or private sale, approximate price and how soon you are buying.
Consumer car finance
Found a car?Check the finance before you sign.
Already have a dealer finance offer—or just want to know what else may be worth considering? Start with a quick enquiry before committing to the loan structure in front of you.
About 60 seconds No obligation No lender application at this stage
Look beyond the headline rate
Consider fees, term and balloon structure
Direct contact with a credit representative
Useful whether buying now or comparing
01
You keep control
Nothing is submitted to a lender just because you make the initial enquiry.
02
Compare the structure
Rate matters, but so can fees, loan term, repayments and any balloon or residual.
03
Then decide
If there is a pathway worth considering, Michael can explain the next step before an application.
The point of the check
A convenient finance offer can still be worth comparing before you lock it in.
Before you sign
Don’t compare car finance on the rate alone.
A car loan can look attractive at first glance while the total structure tells a different story. The useful comparison is the whole transaction—not just the advertised rate or weekly repayment.
Interest rate and comparison rate
Establishment and ongoing fees
Loan term and repayment amount
Balloon or residual amount
Early repayment flexibility
Whether the lender actually fits your circumstances
Dealer finance is not automatically a bad option. The purpose of the check is simply to understand the structure and whether alternatives are worth considering before you commit.
How it works
Keep the first step simple.
02
Michael reviews the enquiry
Your employment, income band and housing position help determine whether there may be realistic pathways to explore.
03
Choose whether to proceed
If you want to continue, the proper credit-assistance process and lender assessment happen after the initial conversation.
Questions
Before you start.
This page is an enquiry pathway, not an instant approval engine.
Found the car?