WHAT WE FINANCE > PERSONAL FINANCE > PERSONAL VEHICLE FINANCE

Personal Vehicle Finance

Are you looking to purchase or upgrade to your next vehicle? Is it time to buy your dream car? At Yakka Finance, we go above and beyond for our customers to make your car buying experience is as enjoyable as that smell of a new car!

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Having access to the right capital and securing the right business loan solution that fits your needs on how your business operates is so important to your continued success and peace of mind.

Whether you are purchasing a new or used vehicle, purchasing the car via a private seller or through a licensed car dealership, we will always find the best car finance solution for your next vehicle purchase.

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PERSONAL VEHICLE BRANDS

Which personal vehicle brands do we finance?

At Yakka Finance we are dedicated to making securing a car loan as fun, convenient and seamless as possible for you. We will act on your behalf using our knowledge and expertise to secure you the most cost-effective car finance from over 60 banks and lenders in the Australian market.

The team at Yakka Finance have over 15 years industry experience and an in-depth understanding of how Personal Vehicle Finance rates and loan terms vary between banks and lenders. We also know how car finance can change based on the value and the age of the vehicle you are buying. For comfort, we have options for vehicles of any age, even the classics!

We are an award-winning Truck Finance Brokerage due to our large volumes of vehicles we finance.

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What’s our promise to you?

We promise our service is convenient and cost-effective as we handle the entire vehicle finance process for you. We want to ensure we have you as a customer for life on every vehicle you finance. The only way that happens is that we are painless to deal with, efficient and always available to answer any of your questions. We want to help you have an effortless experience when purchasing your car.

We get to know you, get to know your situation, and make sure we place you with the right bank or lender for your car finance.

Quick & Clear Approval Process

Expert Knowledge

Approvals with No Financials Available*

Can Source Brand New Cars at a Cheaper Price

No Deposits Required*

Award Winning Car Finance Brokerage

Excellent Rates

Personalised Service

*Conditions apply. Subject to credit approval.

The Team at Yakka Finance are available at all hours to take your call. Please contact our Finance Specialists on 1300 842 911 or by email at info@yakkafinance.com.au for your next vehicle purchase today!

Strong Relationships & Exceptional Service

Our customer relationships are built on trust, expertise, and communication. We take the stress out of the finance application process for you by providing a prompt, reliable and personalised service.

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Fast Approvals: We specialise in securing quick finance approvals, ensuring you experience minimal waiting time.

Streamlined Process: We offer a hassle-free and streamlined process from application through to settlement.

After-Hours Assistance: We are available to assist you after hours, ensuring you receive continuous support and exceptional service that you have never experienced before.

OUR LENDERS

Trusted by over 60 lenders with hundreds of loan products

FREQUENTLY ASKED QUESTIONS

Our most commonly asked questions answered below:

Why should I use Yakka Finance to help with my car purchase?

Yakka Finance are specialists in Vehicle Finance. We know the industry back to front and are knowledgeable on securing the right car loans. We take the time to know every bank’s interest rates and lending policies to make your application process informative, cost effective and effortless. Having one point of contact for all your vehicle purchases is a great feeling and we pride ourselves on delivering on that promise every single time you purchase a car.

When comparing us against the banks and dealerships we have a wider variety of lenders to secure the best deal not just the easiest. We strategically secure the right car loan approval without you filling out lengthy application forms and without the delays or lack of communication a Bank would provide to you.

The Yakka Finance difference is we handle everything for you for all your car purchases so you can simply keep on with your day to day.
What types of vehicles do you finance?

We can finance any vehicle you are looking to purchase for your individuals around Australia. These include but are not limited to: Coupes, SUVs, Sedans, Wagons, Hatchbacks, Luxury Vehicles, Classic Vehicles and much more. Please know that no matter what car you are looking to purchase we will have the perfect vehicle finance solution for you.
How do I apply for my car finance?

We pride ourselves on making vehicle finance hassle free with as minimal paperwork as possible. Every finance application is unique to us and that’s starts with getting to know you and your needs. Simply give our specialists a call on 1300 842 911 and they will have a five-minute phone call to run you through the strategy for your approval and the key items we will need. The best part is due to our experience will be able to give you a good estimate of what kinds of rates and repayments will be over the phone in our introductory call.

Please don’t feel that you will need to give us a mountain of information. We strategically know exactly how to secure your car finance approval with only the key important items required.
Do I need to have my Tax Returns completed to get a car finance approval?

Absolutely not! Yakka Finance has access to a wide variety of low documentation finance offers that the major banks and other financiers offer us to secure your approval. Please don’t feel like you must provide us with a lot of information to secure your finance approval. When we speak to you over the phone, we will know exactly what key items to obtain from you to secure your finance approval. It might surprise you on how little information we need. Often, we just require your last two to four payslips from your employer.
What is Low Doc Car Finance?

Low Doc Car Finance means we only need a very small amount of documentation to secure your finance approval. Most of the time we require 4 weeks’ worth of payslips. Our specialists can run you through how easy it is to secure a Low Doc Car Finance approval over the phone in 5 minutes. Feel free to call us on 1300 842 911 to find out how little documentation we need for your car loan approval.
How much can I be approved for?

You can borrow as much as you need for the full purchase of the car of your choice. For Vehicle purchases this is normally from $7,000 up to $500,000. Some banks and lenders will require deposits whilst others won’t. We will find out exactly what you’re purchasing and walk you through the strategy of what is required on your car finance depending on your total loan amount.
What are your interest rates?

This is a very common question that is always essential to ask. We love this question as we have managed to secure market leading interest rates that start from 3.50% for brand new vehicle purchases.

The only way we have so many loyal customers is our service is great and we can secure market leading interest rates.

The big advantage for you is because of the volumes of vehicles we finance and the quality of our application submissions we are offered preferential interest rates from the banks and lenders that not all finance brokerages are able to secure.
What influences the interest rate on car finance?
There are many factors that can influence the interest rate on the car you have decided to purchase.

Here are some key considerations that can influence the interest rate:

How long you have been employed for? (E.g., Full Time Employee, Casual, Retired)

If you are purchasing your vehicle from a Licensed Card Dealership or a vehicle from a Private Seller

What the specific year build the vehicle is. For example, a brand-new car would secure a much lower interest rate compared to a car that is much older with a 2003-year build.

If you or your spouse is a Property Owner or if you are currently renting

Your total car loan amount. The higher the car loan amount can often result in a lower interest rate.

If you have had a car loan before and if your repayment history has been good or bad

If you have a clean credit file or a credit file with a low score
How long does it take for car finance to be approved?

We can usually obtain a finance approval within 24 – 48 hours of receiving all your details. Let us know your timeframe and we will work with you to get the car approved and settled with the most appropriate lender due to the time you are needing your new vehicle by.
How long can my loan term be for car finance?

The average car loan term is between 3-7 years (36 to 84 months). The choice of loan term is ultimately your choice. The shorter the term would result in a higher monthly repayment as you are paying the loan off on a shorter loan period. If you every want to play around with what Loan Term works for you on your vehicle. Have a play with our easy-to-use Car Finance Calculator – https://yakkafinance.com.au/finance-calculator/
What is a balloon payment? Do I need one?

A balloon payment is a lump sum which is owed to the lender at the very end of your loan term, after all your regular monthly repayments have been made. It allows you to repay only part of the principal amount of your car loan over the term you request. The reason for having a Balloon Payment is that it allows you to lower your monthly repayments for cashflow purposes.

When it comes to end of your contract, and you still have your Balloon Payment to deal with. It is easy to refinance your balloon payment at the end of your loan. Alternatively, you can trade the car in for a new car or sell your vehicle to another party which if structured correctly should be more than the balloon payment you owe.

It is completely your choice whether you want a balloon payment in your loan structure to reduce your monthly repayments or not. We can workshop this with you to make sure the repayments suits you.
Why don’t I finance the vehicle through the car dealership? Isn’t it cheaper?

You need to be careful when financing vehicles through a car dealership. Historically they do not always have the best reputation. Now were not saying this is for every car dealership only some of them offer a good service but the majority don’t. We have caught out so many car dealerships in the past who have said to our customer the car loan interest rate is 4% and once we had checked the loan structure for our customer the interest rate was in fact 10%. Our advice is if you have received a finance quote or even a finance approval from a car dealership, please let us check it for you. More than likely, we will have a better finance solution for you. However, if you are getting a good deal from the car dealership we will also honestly tell you that.
Can I buy my car from someone selling their car privately?

Yes, financing a vehicle from a Private Seller is very common and we do these types of transactions all the time. We know that people love finding a great deal on purchasing a vehicle privately. We will handle the whole entire sale process with the private seller for you and arrange for them to get paid by the bank or financier correctly. This process is very streamlined for us, and we only require the agreed price you have negotiated with the private seller. We will handle the whole entire process from there.
Do I need to inspect the car before I purchase it?

It’s generally recommended to make sure you are happy with the car you are buying especially if you are purchasing through a private seller. When it comes to Private Sales finance companies will require a third-party finance inspection on the vehicle to make sure the vehicle’s asset identifiers (VIN Number & Engine Number) matches the Registration papers and the Tax Invoice.

We simply will book a Vehicle Finance Inspection company to take photos of the Front, Back, Sides, Odometer and Compliance Plate of the vehicle to make sure it all matches your loan documents, registration papers and Tax Invoice.

We also complete a PPSR search on the vehicle to make sure the vehicle is not a write off or has been stolen. You are welcome to also do a mechanical inspection of the vehicle (at additional costs) to make sure the vehicle is mechanically sound just to make sure you are completely comfortable on moving ahead with the car purchase. As an additional service, we are also able to book in mechanical inspections for you.
I’m looking at a used car. Can you help me with the finance?

Yes! Whether it is new, used and even demo vehicles we offer tailored finance solutions for all age vehicles and have a wide variety of banks and lenders that will comfortably finance used vehicles. You tell us what car you would like to purchase. We will then match that vehicle with the most appropriate bank or lender for you.
I got a car loan quote elsewhere it seems expensive – can you beat it?

This is one of our favourite things to do. Yakka Finance has access to the most cost-effective interest rates in the market for car loans. So given the opportunity to beat your current rate is something we take a lot of pride in doing.

If we can’t beat your interest rate that means you are getting a fantastic rate for your vehicle purchase. We will give you true and honest feedback once we have a look at what vehicle you are purchasing, your current repayments. Given the opportunity we won’t let you down on securing the right approval for you.
Can I make additional repayments to reduce my car loan?

Yes, you are more than welcome to make extra repayments off your car loan. It’s a good overall strategy to reduce the amount of interest paid on your vehicle. It can sometimes be best hold on to your savings and pay off the vehicle loan in the last 1-2 years of your contract.
Can you organise Car Insurance for me?
I don’t have a deposit to put into my vehicle purchase, can I still apply for finance?
I have a Low Credit Score will I still be approved?

Yes, we secure car loan approvals for Low Credit Score applicants. We are comfortable on getting your car loans approved with a low Credit Score. We fully understand that what happens in the past doesn’t dictate necessarily where you are now. With most of our clients if they get a Credit Default on their Credit file there is normally a good reason behind the credit default and why it’s there.

Some of our customers are just unlucky with missing the payment of Energy Bills when they change their residential address or have had a dispute over a phone bill where they were charged to much by their phone provider. These are all very common and banks have a good understanding of this.

We always get an understanding of why your Credit Score is below the average and then effectively communicate to the appropriate bank as to why it is lower. Please have comfort that we know how to communicate correctly to the right banks or lenders on the story on the Credit Score and/or Credit Default to get your car loan approved. In addition, we have a great external team we utilise to lift the Credit Default off your file and lift your credit score for you.
Why don’t I just go direct to my bank for the finance?
Although we are happy for you to go to your bank to obtain your Vehicle Finance, we know that it almost always doesn’t deliver the same outcome to you. We know our process compared to a banks process is completely different and we pride ourselves on it. Here are some key reasons as to why we are better than a bank for your car loan approval:

You could end up going to the wrong bank who would charge you a higher interest rate and make you jump through a lot more administration hoops just to secure a simple Car Finance approval.

We know the banking landscape extremely well and once we get an understanding of your personal requirements and what car you are purchasing; we will then take you to the most appropriate bank to secure your finance approval with ease.

One bank will have a better interest rate than another bank depending on what car you are purchasing at different times of the year. We know exactly which specific banks to go to at certain times of the year on different vehicles.

Don’t waste a credit enquiry on your credit file. When we submit your car loan for an approval, we know it’s going to be approved. This keeps your Credit File Scores strong as every credit enquiry results in a finance approval.

You will spend a lot more of your own time and efforts putting an application together from the bank and have no idea if you will get an approval. When we go to a bank, we are already 99% sure they will approve your car loan.

With Yakka you will always have one point of contact for every vehicle purchase you do. Bank Managers are always changing roles in the banks. You might have a great bank manager for one year and then they move on, and you have to build a new relationship with another bank manager that might not understand your situation. At Yakka Finance we are not going anywhere and are here to have a strong relationship with you long-term!

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CONTACT US

Please feel free to contact the team at Yakka Finance 24/7

EMAIL: info@yakkafinance.com.au

PHONE: 1300 842 911

ADDRESS: Suite 5, Level 1, 345 Pacific Highway, North Sydney NSW 2060

Yakka Financial Pty Ltd ABN 75 626 017 070 trading as Yakka Finance

Yakka Financial Pty Ltd Credit Representative 508681 is authorised under Australian Credit Licence 389328.

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

Finance Calculator

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Truck Partners

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Machinery Partners

Personal Vehicle Finance

Contact us for a FREE QUOTE

Having access to the right capital and securing the right business loan solution that fits your needs on how your business operates is so important to your continued success and peace of mind.

PERSONAL VEHICLE BRANDS

At Yakka Finance we are dedicated to making securing a car loan as fun, convenient and seamless as possible for you. We will act on your behalf using our knowledge and expertise to secure you the most cost-effective car finance from over 60 banks and lenders in the Australian market.

GET PRE-APPROVAL NOW!

What’s our promise to you?

Strong Relationships & Exceptional Service

OUR LENDERS

FREQUENTLY ASKED QUESTIONS

PAGES

HELPFUL LINKS

CONTACT US

Yakka Finance are Members of the following Associations:

Contact Us

Please feel free to contact the team at
Yakka Finance 24/7

info@yakkafinance.com.au

1300 842 911

(02) 9241 5477

Suite 5, Level 1
345 Pacific Highway, North Sydney NSW 2060

Finance Calculator

Recent Settlements

Truck Partners

Accountant Partners

Machinery Partners

Personal Vehicle Finance

Contact us for a FREE QUOTE

Having access to the right capital and securing the right business loan solution that fits your needs on how your business operates is so important to your continued success and peace of mind.

PERSONAL VEHICLE BRANDS

At Yakka Finance we are dedicated to making securing a car loan as fun, convenient and seamless as possible for you. We will act on your behalf using our knowledge and expertise to secure you the most cost-effective car finance from over 60 banks and lenders in the Australian market.

GET PRE-APPROVAL NOW!

What’s our promise to you?

Strong Relationships & Exceptional Service

OUR LENDERS

FREQUENTLY ASKED QUESTIONS

PAGES

HELPFUL LINKS

CONTACT US

Yakka Finance are Members of the following Associations:

Contact Us

Please feel free to contact the team atYakka Finance 24/7

info@yakkafinance.com.au

1300 842 911

(02) 9241 5477

Suite 5, Level 1 345 Pacific Highway, North Sydney NSW 2060

Please feel free to contact the team at
Yakka Finance 24/7

Suite 5, Level 1
345 Pacific Highway, North Sydney NSW 2060