A car loan through Fox Finance Group lets you buy a new, used or private-sale car now, and pay it back over time. Terms usually run from one to seven years. We compare more than 50 lenders to match the loan to your budget. Before you commit, a real person checks what you can qualify for.
Since 2006 we have helped more than 100,000 Australians sort out car finance. We know the market, and we know how lenders think. First car, a bigger family SUV, a 4WD, ute, van or light truck: the job is the same. We line up over 50 lenders, work out which one suits you, and give you a clear picture before you sign. New or used, dealer or private seller, you get one honest comparison instead of a dozen guesses.
Getting a car loan through us runs in a few clear steps. You tell us about yourself, your budget and the car you have in mind. We compare the lenders on our panel and bring back the options that actually fit. Then you pick one. We handle the paperwork, deal with the lender, and you drive away knowing exactly what you are paying.
From there, we do the running around so you do not have to. We pull together what the lender needs, organise your documents, and keep you posted at each stage. How long it takes depends on your situation and the lender, so we will not put a stopwatch on it.
Pre-approval is worth doing before you fall in love with a car. We check your details the way a lender would and confirm what you can spend. That way you shop with a real budget, not a hopeful one. Looking at your options with us puts you under no obligation. We also talk you through what shows on your credit file before anything is lodged, so there are no surprises. Our guide to car loan pre-approval has more.
How much you can borrow comes down to three things, in order. The first is serviceability. That is lender-speak for your income minus your regular expenses, with enough left over to cover the repayment and a buffer. The second is your risk tier. Lenders build it from your credit score, your time with your employer and at your address, and whether you rent, board or own. The third is the car itself, because the security it offers can lift the amount a lender will approve.
For larger loans the bar is higher. A loan above $50,000 usually needs the top risk tier, so a strong profile counts for more. Good security can change the picture. For some customers we have seen it add $20,000 to $30,000 to what a lender will approve, and often a sharper rate as well.
The number that matters is not the maximum, though. It is the repayment you can comfortably afford while life carries on around it. Our car loan repayment calculator is a good place to get a feel for that.
Most of the time, no. A deposit only matters in two cases. The first is when the loan-to-value ratio, the size of the loan against the value of the car, is higher than a lender will accept. The second is when your risk tier caps how much they will lend.
One thing to watch with a cheaper used car is the gap between the price and what the lender will fund, which a small deposit can close. We will tell you upfront if a deposit will help. Our guide to deposits and car loan terms goes further.
Low Rate Secured Car Loan Specialists
A secured car loan is a type of loan used to purchase a vehicle where the loan is secured against the car itself. This means that the lender holds the car as collateral until the loan is fully repaid.
The car being purchased is used as security for the loan, which means that if the borrower defaults on the loan, the lender has the right to repossess the vehicle to recover the outstanding debt. Because the loan is secured, the interest rates on a secured car loan are generally lower than those for an unsecured loan.
Apply for a car loan
Get the Best Business Car Finance
A business car loan is a facility used to fund the purchase of a vehicle for business purposes. The type of vehicle can vary in make and model, depending on the type of business it will be operating for. This product can best suit business owners, self-employed applicants with a valid ABN, or company managers and directors. There are several options available in this category of loans including Low Doc Car Loans, No Doc Car Loans, Truck Loans, Transport & Equipment Loans and more.
At Fox Finance Group, we’re committed to providing outstanding customer service and treating each customer with respect and integrity. We understand that finding a business car loan can be time consuming, which is why we’ll do all of the legwork for you. We can help you find business car finance that fits your budget and enables you to get the business vehicle you need.
Apply for a business car loan
Let us Help You Get the Best Classic Car Finance Today!
We’re the Classic Car Finance experts! We get your passion for old school! We have been helping our clients with low rate classic car finance since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand your passion and just about every model car thrown our way. We can also help you finance your new pride and joy whether you are buying from a classic car dealer, or a private seller.
Apply for a classic car loan
Bad Credit Car Loans Made Simple
Fox Finance Group takes pride in our extensive knowledge of lending to all varieties of client profiles. We understand that people experience unexpected events that may affect their credit score. Through our strong product knowledge, and relationships we have built with lenders, we have the ability to negotiate and compare the best options suited to your profile. If you’d like to know how much you qualify for before proceeding, we can discuss obtaining a pre-approval for you, which will entail all details of your loan before you commit to settlement. This is an obligation free service that we provide our customers.
Apply for a bad credit car loan
Private Sale Car Loans Made Simple
If you have just found your next sedan, 4WD, ute, hatch, or any other vehicle privately and you need some finance to purchase it, we’d love to help. Our knowledge and expertise in private sale car loans is demonstrated through our streamlined customer process. We make all arrangements for you with the private seller, all you’ll have to do is negotiate a price! This is an obligation free service that we provide our customers.
Apply for a private sale car loan
Low Rate Secured Car Loan Specialists
A secured car loan is a type of loan used to purchase a vehicle where the loan is secured against the car itself. This means that the lender holds the car as collateral until the loan is fully repaid.
The car being purchased is used as security for the loan, which means that if the borrower defaults on the loan, the lender has the right to repossess the vehicle to recover the outstanding debt. Because the loan is secured, the interest rates on a secured car loan are generally lower than those for an unsecured loan.
Apply for a car loanGet the Best Business Car Finance
A business car loan is a facility used to fund the purchase of a vehicle for business purposes. The type of vehicle can vary in make and model, depending on the type of business it will be operating for. This product can best suit business owners, self-employed applicants with a valid ABN, or company managers and directors. There are several options available in this category of loans including Low Doc Car Loans, No Doc Car Loans, Truck Loans, Transport & Equipment Loans and more.
At Fox Finance Group, we’re committed to providing outstanding customer service and treating each customer with respect and integrity. We understand that finding a business car loan can be time consuming, which is why we’ll do all of the legwork for you. We can help you find business car finance that fits your budget and enables you to get the business vehicle you need.
Apply for a business car loanLet us Help You Get the Best Classic Car Finance Today!
We’re the Classic Car Finance experts! We get your passion for old school! We have been helping our clients with low rate classic car finance since 2006. The knowledge and expertise that we have gained over the years allows us to fully understand your passion and just about every model car thrown our way. We can also help you finance your new pride and joy whether you are buying from a classic car dealer, or a private seller.
Apply for a classic car loanBad Credit Car Loans Made Simple
Fox Finance Group takes pride in our extensive knowledge of lending to all varieties of client profiles. We understand that people experience unexpected events that may affect their credit score. Through our strong product knowledge, and relationships we have built with lenders, we have the ability to negotiate and compare the best options suited to your profile. If you’d like to know how much you qualify for before proceeding, we can discuss obtaining a pre-approval for you, which will entail all details of your loan before you commit to settlement. This is an obligation free service that we provide our customers.
Apply for a bad credit car loanPrivate Sale Car Loans Made Simple
If you have just found your next sedan, 4WD, ute, hatch, or any other vehicle privately and you need some finance to purchase it, we’d love to help. Our knowledge and expertise in private sale car loans is demonstrated through our streamlined customer process. We make all arrangements for you with the private seller, all you’ll have to do is negotiate a price! This is an obligation free service that we provide our customers.
Apply for a private sale car loan
Enjoy the peace of mind that you're considering purchases within your budget.
Provide some details about yourself, your loan objectives, and the car you want to buy.
Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
We'll get you approved with the lender best suited to your individual profile. You'll be able to go car shopping, knowing exactly what you can purchase!
Once everything is verified, we'll walk you through a simple contract signing process.
We'll communicate with your lender through the entire settlement process. You'll know exactly when you can pick up the new car!
Provide some details about yourself, your loan objectives, and the car you want to buy.
Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
We'll get you approved with the lender best suited to your individual profile. You'll be able to go car shopping, knowing exactly what you can purchase!
Once everything is verified, we'll walk you through a simple contract signing process.
We'll communicate with your lender through the entire settlement process. You'll know exactly when you can pick up the new car!
Provide some details about yourself, your loan objectives, and the car you want to buy.
Our car loan Lending Specialists will run through all of the finer details to get your vehicle finance underway.
We'll get you approved with the lender best suited to your individual profile. You'll be able to go car shopping, knowing exactly what you can purchase!
Once everything is verified, we'll walk you through a simple contract signing process.
We'll communicate with your lender through the entire settlement process. You'll know exactly when you can pick up the new car!
Take control of your borrowing & repayment potential and start exploring the possibilities today!
as a Financial Services Group helping customers Australia wide
of processed applications for everyday Australians and SME businesses
applications since 2006 and growing
out of 5 by our customers on Google
Our car loan pre-approval process is completely free. You’re under no obligation to accept a finance offer, and you remain in full control at every step. There is no fee if Fox Finance Group is unable to secure a suitable approval for you, or if you choose not to proceed with our loan offer.
If you decide to move forward, a one-off brokerage fee applies. Like any professional service, this fee supports our experienced team in securing you the most competitive loan options available. Most clients choose to have this cost included in their overall loan, meaning there’s no upfront payment required before your first repayment.
Car finance helps you acquire the car you want without having to save the money over a longer period of time. This allows you to keep your hard-earned savings in the bank for other items that don’t depreciate. This can help with cashflow, by being able to pay off the vehicle in manageable instalments (weekly / fortnightly / monthly) to suit your budget. For business owners, this can also be a tax-deductible expense.
Simply talk to one of our Car finance Lending Specialists, we will do all the hard work to compare available car loan rates from our panel of approved lenders. We’ll find you the very best car finance deal for your needs and circumstances.
Yes, self-employed applicants can qualify for a car loan. Most lenders ask for documents like tax returns, BAS, or bank statements to verify income. At Fox Finance Group, we can also assist with low doc car loans, which require less paperwork and often offer faster turnaround times, making finance more accessible for business owners and contractors.
A car loan is a type of finance that allows you to borrow money from a lender to purchase a new or used vehicle, then repay it over time with interest. The car often acts as security for the loan, which can help you access lower rates. Car loans can be tailored with different terms, repayment options, and loan amounts to suit your budget.
