New or used cars
Finance may be available for eligible new and used vehicles. Vehicle age, value and condition can influence the lender and loan structure.
New • Used • Dealer • Private sale
Car Finance Broker Perth
Talk directly with Eric about a car loan that fits the vehicle, your circumstances and what you can comfortably afford.
I compare suitable options from a panel of more than 60 lenders, explain the costs and trade-offs, and tell you when borrowing less—or waiting—may leave you in a better position.
Car finance for more than one kind of buyer
The right structure can depend on who is buying the car, how it will be used and where it is being purchased. I will help you understand which details matter before you commit.
Dealer or private sale
A private purchase can involve additional checks and settlement steps. I can explain what is needed before money changes hands.
Personal or business use
The intended use of the car can change the finance options and information required. Tax questions should always be confirmed with your accountant.
Self-employed applicants
Different lenders assess self-employed income differently. I will explain the likely documents and avoid sending an application blindly.
Refinancing an existing car loan
We can compare the remaining cost, fees and term before deciding whether refinancing genuinely improves your position.
Credit history that needs context
A past problem does not tell the whole story. I will be direct about what appears realistic and whether specialist options are worth exploring.
How the process works
The aim is to understand the decision before creating unnecessary applications or pressure.
Tell me what you are considering
Share the approximate purchase price, whether it is a dealer or private sale, and anything important about your employment or business.
I review the situation personally
I look at the vehicle, likely loan structure and available information before deciding which lenders appear suitable.
Compare the important details
We look beyond the headline rate to relevant fees, repayments, loan term, early-repayment conditions and any final balloon payment.
You decide whether to proceed
I will explain the recommended direction and its trade-offs. A formal application is made only after you understand and approve the next step.
The lowest advertised rate is not the whole loan
A useful comparison considers what you will pay and what flexibility you keep—not only the number used in an advertisement.
Questions worth asking
- What is the total cost over the loan term?
- Which lender, broker or dealer fees are included?
- Is the rate fixed or variable?
- Can you make extra repayments without a penalty?
- Is there a balloon payment at the end?
- Could the loan leave you owing more than the car is worth?
Why a balloon needs careful thought
A balloon payment can reduce regular repayments, but it leaves a lump sum at the end and can increase the total interest paid. It should support a considered plan—not simply make an expensive vehicle appear affordable today.
ASIC's Moneysmart car-loan guide also explains secured loans, balloon payments, comparison rates and common fees.
“Eric can speak to you on a level you understand and explain the reasons why or why not a vehicle may be right for you. He doesn't try to oversell or use cheap tactics.”
Clear fees before you commit
Your initial enquiry is free and there is no obligation to proceed.
My brokerage fee is disclosed before you make a decision. If the finance settles, the fee is included in the loan amount rather than paid out of pocket upfront.
The lender may also charge fees. These form part of the comparison and will be shown in the relevant finance documents.
Car finance questions
Can you arrange finance for a used car?
Yes. Used-car finance may be available for eligible vehicles bought from a dealer or private seller. The vehicle age, condition, purchase price and lender criteria can affect the options.
Can self-employed people apply?
Yes. The information required depends on the lender, how long the business has operated and the intended use of the vehicle. I can explain the likely documentation before an application is submitted.
Will an initial enquiry affect my credit score?
An initial discussion and quote enquiry do not require a formal credit application. If a credit check becomes appropriate, I will explain it and obtain your consent before proceeding.
Do you guarantee approval or a particular interest rate?
No. Approval, pricing and loan conditions are decided by the lender after assessing the applicant, vehicle and supporting information. I will give you a realistic view rather than promise an outcome I do not control.
How quickly can car finance be arranged?
Timing varies with the lender, application, vehicle and documents available. I will explain the likely timeframe and let you know quickly if anything is missing.
Do I pay your brokerage fee upfront?
No upfront payment is required to explore the options. My brokerage fee is disclosed before proceeding and is included in the loan amount if the finance settles.
This page provides general information only and does not take into account your objectives, financial situation or needs. Credit approval, rates, fees and conditions are subject to lender criteria and can change. Consider whether the proposed credit is appropriate for you and read the relevant finance documents before proceeding.
Tell me about the car you are considering
You do not need every document ready for an initial conversation. Start with the vehicle, approximate price and what you want the finance to achieve.