Your circumstances might mean a bank won’t approve your car loan – or if they do, the interest rate could be high, the fees hidden, and the exit costs brutal.
A broker isn’t tied to just one option. Your application is matched across 50+ lenders, based on what works for you, not what’s easiest for the bank.
You’ll get options, flexibility, and clarity – without the pressure or paperwork overload.
Not sure what matters most? The interest rate, the repayments, or the loan term? You’re not alone.
Some car loan brokers can hook you in with advertised car loan rates that are impossible for almost everyone. Borrow Bridge won’t promise what you can’t achieve.
Play with the numbers in the Loan Calculator and see what your repayments might look like. No personal details required.
However, your circumstances determine what your repayments will likely be.
That’s why it’s wise to talk to a car loan broker to get the perfect match for your needs and situation.
Rates you see online often only apply to people with a perfect credit history and financial profile.
Whether this is your first loan or your fourth, when you call, we’ll ask a few simple questions to pinpoint exactly what will affect your repayments. Then we’ll match your situation to the ideal lender to give you the best solution.
We’re on your side – not the banks – so the more you tell us, the more we can help you secure a better outcome.
Other details matter too. Your employment history, income stability, deposit size, and any other existing loans or debts can all influence the rate you’re offered.
Specialised vehicles, such as classic or imported cars, may be assessed differently by some lenders.
No two lenders assess applications in exactly the same way.
That’s why we compare options across our panel – to make sure you’re not overpaying simply because one lender’s criteria doesn’t fit your profile.
Our aim is to save you both time and money.
Having a dedicated broker who listens to your needs, understands your situation and your goals makes all the difference.
Our clients were unsure, as you may be now. They had questions like you may have – and ended up with a car loan that worked perfectly for them, often on the very same day they called.
The right advice at the right time can turn confusion into clarity, and uncertainty into confidence.
You’re not tied to one offer – you’re matched with the best fit for your profile, from over 50 banks and lenders.
You’ll always know what’s happening and why. No fine print, no guesswork.
It takes just a few minutes
You’ll receive a link to submit your details
Often within 24 hours – our fastest is 7 minutes
Fast. Direct. Easy.
You don’t need to have it all figured out. That’s what we’re here for, to assist you every step along the way…
You’ve got questions. You want clarity. You want to feel good about this decision. Let’s make all of that happen.
These are just some of the many you may have, that our car loan brokers are happy to answer for you.
No, you don’t need perfect credit to secure a car loan. While a good credit score can help you access lower interest rates, there are lenders who specialise in helping clients with a less-than-perfect credit history. Our car loan brokers work with a wide range of lenders to match you with options that suit your individual circumstances.
Whether you have excellent credit or are working to improve it, we’ll guide you through the process and help you understand your available finance solutions.
Simply checking your options or having a conversation with Borrow Bridge will not impact your credit score.
Your car loan broker can provide indicative quotes and guide you through available finance solutions without any effect on your credit file. A credit check is only performed when you’re ready to proceed with a formal application.
Formal applications are made strategically, with the right lender for you, to minimise any unnecessary enquiries on your credit report.
For consumer car loans, repayments are generally made in arrears, meaning you’ll never have to make a payment upfront. Typically, repayments will begin one payment cycle after the settlement date.
Some lenders also allow you to choose a specific repayment date that aligns with your pay cycle. You’ll be provided with a full repayment schedule before settlement, so you’ll know exactly when your first payment is due.
You will need to provide proof of identity, such as a driver’s licence or passport, along with proof of income, which typically includes recent payslips or tax returns if you are self-employed.
For a secured car loan, a copy of the dealer tax invoice or private sale agreement will also be required.
Additional documents may be needed depending on your individual circumstances and the lender’s criteria. Our team will provide a clear checklist tailored to your application, ensuring a smooth and efficient process.
You can get approved for a car loan as quickly as the same day. If your application is straightforward and you provide all required documents promptly, some lenders offer same-day approvals.
We work closely with a panel of lenders to ensure your application is assessed as quickly as possible, keeping you informed every step of the way. Our goal is to make the approval process fast, efficient, and stress-free, so you can secure your car sooner.
If paying off your car loan early is a priority, our car loan brokers will help you find a loan with minimal or no early payout penalties. Many lenders offer flexible car loan options that allow you to make extra repayments or pay out the loan in full ahead of schedule, helping you save on interest.
Some lenders may charge early termination fees, especially if the loan is settled within the first few years. We’ll ensure you are fully informed of any costs upfront and match you with a lender whose loan terms align with your goals of reducing debt faster. Our aim is to give you the flexibility and control to pay off your loan on your terms.
It’s more common than you think to have had a loan in the past that didn’t go as planned. Whether it was missed repayments, defaults, or financial hardship, many people experience setbacks that can affect their credit history.
Your car loan broker understands that your past doesn’t define your future. Our wide panel of lenders are willing to consider applicants with imperfect credit or previous loan issues, focusing on your current financial position rather than just your credit file.
Our team will guide you through your options and help you secure a car loan that fits your situation, with a clear plan for moving forward and rebuilding your credit.
You can get a car loan for virtually any vehicle, providing it is in a road worthy condition. Whether you are buying a brand-new car or used car from a dealership or private seller, we can help arrange finance that suits your needs.
Most lenders have guidelines around the age and condition of used cars, but we’ll ensure you’re matched with a lender that aligns with the vehicle you’re interested in. No matter if it’s your first car or an upgrade, we’ll guide you through the process to secure a competitive car loan for the vehicle that’s right for you.
