Get Low Rate New Car Finance with Ease and Convenience

Buying a new vehicle can be exciting but obtaining the best car loan can tedious, tiresome and time consuming. We take the time and tedium out of motor vehicle financing with our streamlined, expert services and resources. Making the process of obtaining new vehicle credit easy and convenient to add to the exhilaration of the new vehicle buying experience.

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Why Jade Finance?

Better Rates, Better Car Loans

  • Streamlined finance – we’ll give you our best rates and cheap loans the first time you ask!
  • Our competitive rates reflect our winning attitude – we don’t like to be outdone
  • So we offer a cash guarantee. If you can source a cheaper finance package than our offer, we’ll not only match that offer but we’ll also give you $200**

Expert Car Finance Provider

Our locally-based car loan consultants are licenced professionals, highly trained and their total focus is on getting you the best car loan. You can be confident that your Jade Car Loan Consultant is working in your best interests towards a better finance deal for you.

Better Car Loan Rates Solution

Unlike banks and other lenders we’re not restrained by a limited choice of loan products. As an experienced car finance provider, Jade Finance is accredited with over 80+ lenders, giving us access to hundreds of lending products, so we have a much bigger choice to source you the best car loan deal. Greater choice for us equates to better car financing for you.
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Seamless New Car Ownership – Quick Quotes, Fast Approvals, Hassle-Free Process!

We keep the new car vibes going by allowing buyers to concentrate on selecting their make and model, variant, colour and accessories while we handle the entire process of sourcing the car loan at the best interest rates.

One quick call or a simple online connect and our brokers are onto getting you a quick quote and fast approval to have you driving out of the dealership in your brand new car sooner and with far less worry and hassle. Connect with us now for a quote or to explore your options.
Cheerful man and woman smiling and showing keys while standing near vehicle

New Car Finance Options for All Buyers, All Vehicles

Whether buying a new vehicle for your own private use or a vehicle for your business operation, you are welcome to use our services to access the right lending product. Our options for private and business buyers cover financing for all types of vehicles – passenger models, the very popular SUV, cab chassis, light commercial vans, sedans, convertibles, luxury coupes, wagons, across all price brackets.

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From budget models through to top of the range luxury motors and sportscars, our financing options cover all engine types - battery electric, PHEV, hybrids, EVs, diesel and traditional petrol models.

Our Secured Car Loan is the popular option for buyers of all types of new vehicles to be used primarily for their own personal use. The vehicle is the loan security, the rates, repayments and terms are fixed, and no deposit financing is available for approved buyers. This option attracts our great low rates, so contact us for the rate and quote on your specific vehicle.

Business operators with an ABN have their choice of which option will drive their operation most effectively – Chattel Mortgage, Leasing or Commercial Hire Purchase. Our brokers structure tax optimised packages with balloon and residuals and the best rates available. Call now and brief our brokers and get back to running your business while we do the work for you.

  • Personal Secured Car Loan
  • Chattel Mortgage Business Vehicle Finance
  • Vehicle Leasing for Business
  • Commercial Hire Purchase Business Car Finance
  • Fixed Rates, Fixed Repayments
  • 84 month car finance terms
  • No deposit car loans available

Quickly and Easily Apply for New Car Finance

We make the process of applying for motor vehicle financing quick and easy. Buyers can submit their requests via our convenient online form or make a quick call to our brokers. You will need to provide financials and other information, so have that ready so we can get straight to work on finding you the best car loan.

You don’t even have to wait until you’ve decided which vehicle to buy. Buyers can apply for credit whenever they start thinking ‘new car time’. Pre-approval makes it easier to set a buying budget and prepare the test-drive short list. Submit a no-obligation request today and get 24 hour approval.
  • Easy online applications.
  • Fast 24 hour approvals.
  • No obligation pre-approved loans available.
Woman in car showroom standing by her new car with red bow

Understand the Basics of Car Loans - Get Lower Rates, More Power from Your Finance

Understanding what is involved with a car loan and especially how the interest rates and loan terms affect how much you will make in repayments each month can contribute to ensuring you obtain the best option for you. There are many lenders offering loans for new motor vehicles. It’s a big market and while the basics of secured loans are very much the same, the way lenders approve applications and work out the interest rate to offer can be different.


When buyers apply for a car loan, they are required to provide details of their financial situation. Lenders assess each application and review the credit score. The credit score is an indication of risk and affects the rate offer. Good credit rating buyers get the lowest rates.


The interest charged on a loan is the cost of borrowing the funds. It is expressed as a percentage which is charged per annum, annual rate. The interest is incorporated into the monthly repayments. The higher the interest rate, the higher the monthly payment required. Interest rates are fixed so the repayments won’t change over the number of months to repay the loan.


The loan term is the amount of time a buyer has to repay the finance. The longer the term the lower the repayments but the more total interest payable. Shorter terms result in more to pay each month but the interest in total is less.


Business buyers should consider how their accounting method and tax strategy determine the best financing option and how residuals and balloons can reduce the monthly commitment.


As the lender is using the new vehicle as their security for the money being borrowed, buyers are required to take out a comprehensive motor vehicle insurance policy for the duration of the loan term.


All buyers wanting to see how the price of the vehicle they are interested in relates to repayments can use our Car Finance Calculator. Buyers can work out the number of months they want for their loan to get the monthly figure to work with their budget. Contact us and tell us your preferred loan terms and we will source the most suitable quote. Our brokers are highly experienced in negotiating the best rates and working out the structure of the loan with the preferred terms.

  • Expert motor finance brokers to structure preferred outcomes.
  • Finance calculator to work out rates, terms and repayments.
  • Buying tools to assist buyers in understanding their loan options.

Realise More Benefits from Financing Your New Car

Buying a new rather than a second-hand vehicle can present many advantages for buyers. Especially the potential for less risk of facing significant repair work on a car fresh from the dealership. Many manufacturers now offer extended warranties and fixed price servicing on new vehicles. Allowing owners to schedule costs within their budget. In general, new cars cost less to maintain than used in the early years of ownership.


Arranging the financing through us also presents buyers with many advantages compared with handling it themselves. With our expertise and large number of lender accreditations, buyers can know that their offer is the best available from across the market.


Our fixed interest rates and fixed repayments allow buyers certainty around their budget. Confident that the rate and repayment will not change. With our fixed loan terms, buyers can have a better indication of when they may want to upgrade with a new car loan, or when the timing may be ideal to take on new finance to major purchases. Enjoy real benefits and savings by calling us now to arrange your car loan.

  • Certainty with fixed rates, and fixed terms.
  • Flexibility with negotiated loan terms.
  • Specialist expertise to source the best interest rates.Great lender coverage.

How to Choose the Right Vehicle Finance

New vehicles are ideally suited to secured funding options. But while the format of secured credit is essentially the same from all banks, non-bank lenders and credit providers, other aspects vary. The inclusions, features, how the loan is approved and especially the interest rates vary for individual lenders.


We make getting across all the options to choose the right one for you, easy! We do it for you. We have 80+ lenders to work with. We know how each one approves loans so we can match their criteria with your profile. Using Jade Finance provides buyers with top brokers who know the auto credit lending market.

  • Having the right lender is the second step to securing the right finance. The first step – calling us to find the right lender.
  • Source the right lender from 80+ banks and credit providers.
  • Professionals to find you the right car loan.
  • Individual approach, quick service to get you behind the wheel faster.

Use Our Handy Tips for Getting the Best Finance Deals

  • Engage with our expert brokers to source the best deal.
  • Access more lenders through us for the best rates on the market.
  • Don’t submit multiple applications directly to lenders – this can negatively impact your credit score.
  • Address credit history issues before applying to ensure the best rates.
  • Pay down other debts to improve your personal balance sheet for the best offers.
  • Use our calculator to prepare preferences and get estimates to brief our brokers.
  • Leave the job of finding the best lender and best deal to us!
Applying for Car Financing
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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New Car Finance FAQ's

  • Where a new vehicle is purchased with financing and the lender accepts the vehicle as the security for the borrowings, the buyer is required to take out comprehensive motor vehicle insurance.

  • The amount of the monthly payment is determined by the interest rate, the amount borrowed and the term. Reducing the amount by paying a deposit reduces the repayments. Requesting a longer term will reduce the monthly payment. Getting a lower interest rate will reduce repayments.

  • Some lenders provide a 24 hour finance approval process. The time taken to arrange financing may depend on the complexity of the individual application and if complete documentation and details have been correctly submitted.

  • The word secured in secured vehicle finance refers to the lender using the vehicle as their security for the money borrowed. If the borrower defaults on payments, the lender has the right to repossess the vehicle and sell it to recoup the monies owed.

  • No. The same loan products are available for EVs and petrol vehicles.

  • Where accessories are ordered from the dealer and included on the invoice for the new vehicle, the costs are usually able to be included in the credit.

  • The interest rate offered by lenders on new vehicle credit is based on the individual assessment of the credit profile and financial position. Advertised rates by lenders are provided as a guide to the best rates available.

  • In general terms, the same credit products can be used to finance all types of new vehicles. Different products are available for private and commercial buyers.

  • Commercial operators can select from Leasing, Chattel Mortgage and CHP. The most suitable option is the one that suits their tax and balance sheet strategy and accounting method.

  • Individuals and commercial operators can engage a motor vehicle finance broker to source credit.

  • To apply for new vehicle credit, buyers will need to be over 18 years and provide details of their income such as tax returns, employment history, residential arrangements, assets and cash reserves, and regular expenditure. Businesses will be required to provide tax returns, balance sheets and other documentation.

  • No. New vehicle finance can attract the lowest interest rates available. Older vehicles can attract higher rate funding.

  • Subject to lender approval, terms of up to 7 years/84 months are available on financing new vehicles.

  • Subject to individual lender approval, buyers can include the entire purchase price and other costs as they appear on the dealer’s invoice, in their total loan amount.

  • Interest rates and credit conditions can be different for new and used vehicles. All new and most used vehicles will suit a secured credit provider. New vehicle buyers usually do not need extra collateral but used buyers might.