Car Finance Broker Brisbane

New Car Finance

At eCarz, we make securing car finance simple and stress-free. Whether you're buying your first car, upgrading the family SUV, or purchasing a luxury vehicle, our experienced brokers work for you — not the banks. We access wholesale rates across our panel of 60+ lenders to find the most competitive deal for your situation.

• Low Interest Rates: We access wholesale rates not available to the general public — often significantly lower than what you'd get walking into a bank.
• Flexible Terms: Choose loan terms from 1 to 7 years to suit your budget and cash flow.
• Quick Turnaround: Same-day approvals available for eligible applicants. Have your ID, recent bank statements, and proof of income ready to speed up the process.
• Both Employed & Self-Employed: Whether you're a PAYG worker or running your own business, we have solutions that fit.
• Incredibly High Approval Rate: Our brokers know which lenders suit your profile, giving you the best possible chance of approval.

Stop searching and start driving. Let us handle the finance while you focus on choosing your new car.

Private Sale Car Finance

Buying a car from a private seller? We can help you secure a loan quickly and safely. Private sales often offer better prices, but they come with risks — we help mitigate those risks so you can buy with confidence.

• PPSR Checks: We ensure the car isn't written off, stolen, or encumbered with existing finance.
• Seller Verification: We verify ownership and identity to prevent fraud and protect your investment.
• Fast Settlement: Private sellers want a quick sale — our streamlined process ensures fast turnaround so you don't lose the deal.

We handle the checks, paperwork and finance so you can drive away with peace of mind.

Low Doc Car Loans

Self-employed? Freelancer? Small business owner? If you don't have up-to-date tax returns or full financial statements, a Low Doc Car Loan might be the answer. We specialise in helping non-traditional earners get approved.

• Minimal Paperwork: No need for full financial statements — a simple application with basic supporting documents.
• Flexible Options: Secured and unsecured loan options available depending on your circumstances.
• All Credit Types: Solutions for good credit, average credit, and even those with past credit challenges.
• ABN Holders: If you hold an active ABN, we have lenders ready to work with you.

Chattel Mortgage & Commercial Finance

For business owners and sole traders, a Chattel Mortgage offers significant tax benefits and flexibility. You take immediate ownership of the vehicle while the lender holds a mortgage over it — keeping it on your balance sheet for depreciation purposes.

• Tax Deductions: Claim interest charges and depreciation on the vehicle as business expenses.
• GST Benefits: Claim GST on the purchase price upfront if you're registered for GST.
• Flexible Terms: 2 to 7 year terms with optional balloon/residual payment to keep repayments low.
• Novated Leasing: Also available for employees — salary package your vehicle through your employer.
• Equipment & Asset Finance: Beyond cars — we also finance trucks, trailers, machinery and business equipment.

Car Refinance

Paying too much on your current car loan? Refinancing could save you thousands over the life of your loan. Our brokers review your existing finance and search for better options across our lender panel.

• Lower Your Repayments: Switch to a lower interest rate or extend your loan term to reduce monthly payments.
• Remove Balloon Payments: Refinance your residual value into a new, manageable loan before it comes due.
• Consolidate Debts: Combine multiple vehicle loans or personal debts into one simple payment.
• Better Deal Awaits: Interest rates change — if you took your loan out more than 12 months ago, there's a good chance we can find a better rate.

Other Finance Solutions

Beyond car finance, the eCarz Group can assist with a range of finance needs:

• Truck & Commercial Vehicle Finance: Light and heavy commercial vehicles, trailers, and fleet vehicles.
• Personal Loans: Unsecured and secured personal loans for any purpose.
• Business Loans: Working capital, expansion, and business asset purchases.
• Marine & Caravan Finance: Boats, jet skis, caravans, and motorhomes.
• Equipment Finance: Machinery, tools, and specialist business equipment.

How do I know what repayments I can afford?

A good rule of thumb is that your total vehicle repayments should not exceed 10–15% of your gross monthly income. Our brokers will assess your full financial picture and recommend a structure that's comfortable for you — no guesswork, no stress.

Do I need to have been employed for a long time?

Most lenders prefer at least 3–6 months in your current role, but it depends on your overall profile. If you've recently changed jobs, we can still find options — especially if you're in the same industry or have a strong credit history.

Can I get a car loan with bad credit?

Yes. We work with specialist lenders who cater to applicants with defaults, judgements, or past bankruptcy. While interest rates may be higher, we'll always find the most competitive option available for your situation. Many of our clients use this as a stepping stone to rebuild their credit.

Should I check my credit report before applying?

It's a good idea. You can obtain a free credit report from agencies like Equifax or Illion. This helps you understand where you stand and allows our brokers to recommend the best lenders for your profile from the start.

Fixed vs variable interest rates — which is better?

Fixed rates give you certainty — your repayments stay the same for the life of the loan. Variable rates can start lower but may change over time. Most car loans in Australia are fixed rate, and our brokers will explain the pros and cons based on your circumstances.

What is a balloon payment?

A balloon (or residual) payment is a lump sum due at the end of your loan term. It reduces your regular repayments during the loan but means you'll owe a larger amount at the end. You can then pay it out, refinance it, or trade the vehicle in. Balloon payments are common on chattel mortgages and business finance.

Can I pay out my car loan early?

In most cases, yes. However, some loans have early termination fees. We'll make sure you understand the terms upfront so there are no surprises. If you're looking to pay out an existing loan, we can help with that too.