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Mark Bone x Ausloans

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Mark BoneFinance Specialist

mark@thinkingfinance.com.au

0418 885 888

Use our loan calculator to get an estimate of what it may cost you to drive away.

How to use Thinking Finance Loan calculator?

Select the total amount you want to borrow and how many years you would like to pay the loan. Next, select the exact amount you would like to contribute with a deposit for your loan. A deposit is not required but recommended.

Interest rate: We suggest selecting an interest rate higher than the minimum rate we offer. For example, at Ausloans, the car's interest rates start at 5.79% p.a*. However, consider this is available only for excellent credit profiles.

Balloon Payment: A balloon payment allows you to reduce your repayments during the camper trailer loan term by making a one-off lump sum payment at the end of your loan.

How much do you want to borrow?

Interest Rate?

Over how many years?

Years

How much deposit do you want to add?

You want repayments as

Balloon repayment

Repayments

$356.80Weekly

Total repayments over 3 years is $55661.11

Includes interest of $5661.11

Disclaimer: Any calculation made using this calculator is intended as a guide only. It is for illustrative purposes only, and based on the information you provide. Quoted repayments do not include lender fees and charges

We Make Finance Easy

We find you the best loan rate for your credit profile

Easy Online Application

Our simple, paperless application makes it easy for you to apply online. It only takes a few minutes.

Multiple Loan Choices

Receive best rate car loan offers from multiple lenders and choose the deal which best suits you.

Great Low Rates

Our massive lending panel allows us to find you the best car finance rates in the country.

Fast Qualification

Don't wait days to get an answer. With Ausloans personalised customer service, we can tell you if you qualify within minutes of accepting our call.

Credit Score Protection

Your online application gets checked against 1,000+ lender policies before it's shared with a lender to protect your credit score.

Personalised Service

Our team of more than 150 asset finance brokers work with you until your car loan is settled.

Over 40+ Lenders

We compare the market so you don't have to. Get access to Australia's leading bank and non-bank lenders.

How It Works

Follow our 4 step process to get approved today.

13 Minutes

Apply online

It takes only two minutes to make an online loan application. No lengthy questions.

22 Minutes

Upload documents

With our online loan application, easily upload documents directly from your phone or computer.

31 Minute

Get your personalised rate

Our automated finance software ZINK, matches you with a lender and get you the best loan interest rate for your circumstances.

4Same Day

Get approved

Get approved today!

Common Questions

Frequently Asked Questions

Find out everything you need to know about our personal finance products, eligibility and application process.

We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.

We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. Additionally, we can find Australiawide the right vehicle for you through our vehicle solutions partner Drive.

Our car finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 5.99%* for new vehicles for business and consumers.

* based on a commercial contract for a new vehicle with specific criteria.

Not necessarily. If you wish, you can source your own car. But if you wish, we offer a holistic solution; from sourcing a vehicle to new and used car finance at the most competitive rates and specs, through our vehicle solutions partner Drive.

To qualify for finance you need to:

Be over 18 years old.
Be an Australian citizen or permanent resident*
Be currently employed**
Earn at least $400 per week (after tax)
Not be in an undischarged bankruptcy or part 9 debt agreement.

*We may be able to help if you have a visa with more than 2 years remaining.

**Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.

*** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.

Making an application is quick and easy. You just need to have the following documents ready to give to your broker:

Current Australian Residency Identification
Two recent payslips
One current bank statement

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you.

Yes, you can. If you are self-employed, you can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties.

The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc.

Our online application takes 2 minutes to fill out, once completed our call centre calls you within the next 24 hours to pre-approve you and transfer you to an assigned broker. Once the documents are gathered and the broker submits the application to the lender, approval can take from 2 hours.

Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you.

To help bad credit car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio.

At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance.

The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score.

Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.

A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.

Fast Easy Finance

Join thousands of Australians who have secured their ideal car loan through our massive lending panel. Get started today and get your personalized rate without affecting your credit score.