CAR FINANCE
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Car Finance Made Simple. Tips, Tools & Truths to Drive You Forward
Car finance can feel like a lot to figure out, but you do not have to do it on your own. Whether you are buying brand new, upgrading your current car or going through a private sale, we will take care of the entire process for you. From matching you with the right lender to managing the paperwork and keeping everything on track, we will do all the behind the scenes work. You will never be left wondering where things are up to or what needs to happen next. We will keep you in the loop with clear and simple updates, while you focus on choosing the perfect car. With the hard part taken care of, the whole experience becomes so much easier and more enjoyable.
Calculator Information
The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.
Calculator Assumptions
Length of Month
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.
Number of Weeks or Fortnights in a Year
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
Rounding of Amount of Each Repayment
In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.
Rounding of Time Saved
The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.
Amount of Interest Saved
This amount can only be approximated from the amount of time saved and based on the original loan details.
Calculator Disclaimer
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
Feel free to use our Equipment Finance Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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WHY CHOOSE A LEND FINANCE?
- Fast Approvals
- Low Rates from 5.99%
- No Hidden Fees
- Real Human Support
- Self-Employed & Low Doc Friendly
HOW IT WORKS
01
Apply Online in 2 Minutes
02
Get Matched with a Lender
03
Settle Fast - Drive, Ride or Launch
HOW DO CAR LOANS WORK?
Not sure how car finance works? Let’s break it down.
A car loan allows you to borrow money to purchase a new, used, or privately sold vehicle. You repay the loan over time, usually in weekly, fortnightly or monthly instalments with interest. The lender may use the car as security until the loan is fully repaid.
At A Lend Finance, we make it simple. You tell us what you’re after, we compare loan options from our panel of trusted lenders, and we handle the paperwork. You get fast approvals, competitive rates, and personalised support every step of the way.
EXCELLENT Based on 14 reviews Connor Ryder2025-06-25Trustindex verifies that the original source of the review is Google. An absolute pleasure dealing with Scott whilst going through the process of buying my new car. I was unfortunately away for over a week whilst the purchase of the car was getting over the line. It was nerve racking not being able to view the car/get the required work done. Scott handled the whole lot, including picking it up on a Saturday over an hour away. Absolutely ridiculously good service. Thanks legend Eray Keser2025-05-25Trustindex verifies that the original source of the review is Google. Scott and the team are the best in the biz. Fantastic experience and would 100% recommend them to everyone. Larissa Matthews2025-05-25Trustindex verifies that the original source of the review is Google. Thanks to Scott and the team at Alend Finance for making my dream car purchase so simple and smooth. I love my new car, thanks again Scott and team for everything 🙏 Trevor Doran2025-05-25Trustindex verifies that the original source of the review is Google. Very Happy with the Service ! from start to finish it was all very simple and Scott got me the best rate hands down! id shopped around and no one even came close to what Scott managed to get for me ! Cant thank you enough ! Southport Tyres2025-05-25Trustindex verifies that the original source of the review is Google. Scott was amazing! We secure 3 new work vehicles through Scott and the whole process was so easy start to finish ! we are getting another vehicle financed through him at the end of the month! cant wait ! Thank you again ! Lucy Wallace2025-05-23Trustindex verifies that the original source of the review is Google. I had a fantastic experience with A lend finance The process was straightforward, and the team made everything easy to understand from start to finish. They offered competitive rates and took the time to walk me through all my options without any pressure. I especially appreciated how responsive and professional the staff were—they answered all my questions quickly and thoroughly. I’d definitely recommend them to anyone looking for car financing. Thanks for helping me get into my new vehicle with confidence! Chireez Erasmus2025-05-22Trustindex verifies that the original source of the review is Google. A Lend Finance made the process quick and easy. Super professional, great service. highly recommend Mark Bailey2025-05-21Trustindex verifies that the original source of the review is Google. Scott and the team did An amazing job securing a finance deal for me I highly recommend them Normie Hunt2025-05-21Trustindex verifies that the original source of the review is Google. Good service, great rates and quick turnaround couldn’t recommend enough
FREQUENTLY ASKED QUESTIONS
What types of vehicles can I get a loan for?
We finance new, used, and privately sold cars, including utes, SUVs, and more. If it’s a road-registered vehicle, we’ve likely got a loan option for it.
Can I get a loan if I’m buying from a private seller?
Yes! We regularly help clients purchase vehicles from private sales. We handle all the checks and paperwork to keep things secure and simple.
How much can I borrow for a car loan?
Loan amounts typically range depending on your income, credit profile, and the vehicle you’re purchasing.
How long does the approval process take?
In most cases, you’ll receive conditional approval in 24 to 48 hours once we’ve received your application and documents.
What documents do I need to apply for?
You’ll usually need a valid ID, proof of income (like payslips or bank statements), and basic details about the car you’re buying.
Will the car be used as security for the loan?
Yes, in most cases, the vehicle acts as collateral. This helps reduce your interest rate compared to unsecured loans.
Not sure where to start? Need help figuring out the best loan option. We’re here to help