Vehicle Finance with Capital Finance
Capital Finance will give your application for vehicle finance a fair go, even if you have been knocked back by other lenders.
Even if you are on Centrelink benefits* or have had credit problems in the past, Capital Finance may still be able to offer you vehicle finance1. Our vehicle loans are available from $2,000 up to $75,000.
As responsible lenders, we will review your current financial situation and affordability when reviewing your application for pre-approval.
You Must:
- Be Over 18 Years Old
- Have Take Home Income or Benefits over $480 a Week1
- Be an Australian Resident
- Get Your Income Paid into Your Bank Account
- Be Employed or Receiving Centrelink payments1
1. Subject to verification, suitability and
affordability
* Capital Finance is not affiliated with, or endorsed by, Services Australia,
but does provide personal loan and vehicle finance options which are available to
recipients of benefit payments
Complete your vehicle loan application stress-free with Capital Finance.
Get the money you need, when you need it. With our vehicle loan applications, you’re in the driver’s seat from the start.
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Apply for your loan online
Generally, your loan application process can be completed within 5 to 10 minutes - wherever you are!
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We’ll take a look and get in touch
If you meet our lending criteria and have been pre-approved, we'll set up your account and calculate your personalised interest rate and monthly repayments.
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Drive away
Once you’ve decided on a vehicle and accepted our formal offer, we will make payment to the vendor on your behalf.
We’ll step in and organise your purchase. If all goes smoothly, you could be back on the road in under 48 hours.
1. Subject to verification, suitability and affordability
Auto & Vehicle Types
Capital Finance will consider most vehicle types from cars to caravans to motorbikes. Get started by selecting the type of vehicle you are looking for - it doesn't matter if the vehicle type doesn't fit our list exactly - it will give us an idea of what you are looking to finance when we review your application.
Alternatively, apply now to get started, and we'll get back to you with your pre-approval1 decision as soon as we can.
1. Subject to verification, suitability and affordability
Empowering drivers with affordable car finance.
Apply in minutes
We've streamlined our finance process with easy upload options for your bank account statements.
Get up to $75,000*
We'll help you weigh up different finance options and manage your monthly repayments, to work best for you.
Drive away in 48 hrs
Once you meet our approval criteria, been approved and found the right vehicle. We can handle your purchase to get you behind the wheel faster.
Vehicle Loans FAQs
How much you could afford to borrow will be based on the loans' affordability. That is, how much you can afford to safely repay, each week, fortnight or month, without difficulty.
As responsible lenders, we will assess your affordability as part of your application. However, you can use our vehicle finance calculator, which will give you an estimate of the loan repayments, relative to the amount you wish to borrow.
Yes you can1. It is possible to part or fully finance your vehicle with Capital Finance. Having a deposit saved up, can help you afford a higher priced vehicle, giving you more options.
While car finance is the most popular choice, we can finance all kinds of vehicles from new and used cars, to motorbikes, motorhomes and boats among other vehicles.
After your loan has been submitted and you get1 your pre-approval. You will be able to choose a vehicle of your choice, up to the amount you have been pre-approved for. This could be from a dealership or private vendor - it's up to you.
This is up to you. If you have already found the right vehicle, we'll work with you to get your finance across the line ASAP1, so you don't lose it. If you want to know how much you could afford to spend on a new vehicle before you start searching for vehicles, then we can help here too.
Just apply for pre-approval, and we'll let you know how much you could afford to borrow. This will help you when you are ready to start looking for vehicles.
Both dealerships and private sales are accepted. So you could get your loan approved for a new or used vehicle - it's up to you.
Yes1, the amount you can borrow is based on your affordability. Capital Finance is not affiliated with, or endorsed by, Services Australia. However, we do offer car loans for Centrelink customers*.
Yes, it is possible1. We look more at your current financial situation, rather than problems you may have had in the past.
Check out our bad credit car loans page, although we mention cars, other vehicles are also covered.
1. Subject to verification, suitability and affordability
* Capital Finance is not affiliated
with, or endorsed by, Services Australia, but does provide personal loan and vehicle
finance options which are available to recipients of benefit payments