Car finance
Rates from 3.9% APR with 20+ lenders. Pre-approve with a soft credit check.
Example payments
Pick a plan that fits
Based on a $30,000 vehicle with $3,000 down. Your rate depends on credit.
60 months
72 months
Standard loan
Own it from day one
$489/mo
- Rates from 3.9% APR
- No early repayment fees
- Terms 24–72 months
Lowest payment
Lease
Lower payments, new car more often
$359/mo
- 12,000 miles a year
- Warranty the whole term
- Upgrade every 3 years
- GAP cover included
Balloon loan
Lower payments, flexible end
$399/mo
- Keep, return or trade in
- Guaranteed future value
- Terms 36–60 months
Compare
Loan vs lease vs balloon
| Feature | Loan | Lease | Balloon |
|---|---|---|---|
| Ownership | |||
| You own the car | At the end | ||
| Mileage limits | 12k / year | 15k / year | |
| Customise the car | |||
| Cost | |||
| Monthly payment | Highest | Lowest | Middle |
| Down payment | 0–20% | First month | 0–10% |
| End-of-term payment | |||
Pre-approval
Get pre-approved in 3 minutes
A soft credit check that will not affect your score. Your offer is valid for 30 days.
- Soft credit check only
- Decisions in minutes
- First-time buyers welcome
Your details
Finance FAQ
Common questions
No. Pre-approval uses a soft check. A hard check only happens when you choose a lender.
Yes. We work with lenders who specialise in rebuilding credit.
Yes, with no early repayment fees on our standard loans.