Tell us what you need
A new car, a used car or a better fit for your existing loan.
Used car loans
Buying from a dealer or a private seller? Start by understanding your finance options.
Explore my options
Before you take the next step
- Vehicle age, condition and seller type can affect eligibility.
- Check vehicle history and ownership before you commit.
- Ask about any inspection or valuation requirements.
Product availability, eligibility and any security requirements are subject to the lender and individual assessment. Contact MRH to confirm the options relevant to you.
Estimate repaymentsA clear path from here
Explore your options
We help you understand repayments, costs and the next steps.
Apply with support
Your broker guides you through the lender’s application process.
BEFORE YOU APPLY
Questions about your car finance
How does getting a car loan work?
Start with your budget and the vehicle you want. We discuss your needs and potential options, then explain the documents and next steps. A formal application is assessed by the lender before a loan offer can be made.
Can I arrange my car finance online?
You can start an enquiry online and speak with MRH by phone, email or WhatsApp. Our team will explain the application process and how any required documents should be shared securely.
Can I apply if I’m self-employed?
Yes, you can enquire. Tell us your ABN and GST registration history and how you can verify your income. We will explain whether low-doc or full-document options are worth considering before a formal application.
What if my credit history isn’t perfect?
Talk to us before lodging more applications. We can discuss your credit history and identify which lender criteria need checking. A suitable option and approval are not guaranteed.
Do I need a deposit?
Not always. Ask us whether full vehicle-price finance is available for your circumstances. A deposit or trade-in reduces the amount borrowed; we can compare both options with you.
How long does approval take?
Start by getting the required documents ready. We will confirm the lender’s current turnaround time and keep you updated. Approval and settlement timing can change with document checks and seller requirements.
What is a balloon payment?
A balloon is a lump sum payable at the end of a loan. It may lower regular repayments, but usually increases interest and leaves a final amount to pay. You need a plan to repay it; refinancing is not guaranteed.
Will this calculator affect my credit score?
No. This calculator uses only the numbers you enter and does not perform a credit check. A formal credit application is different and may involve a credit enquiry.
Can my company buy the car?
Yes, you can discuss business vehicle finance with us, including chattel mortgage options. Your company structure, business use and lender requirements matter. Ask your accountant to confirm GST and tax treatment.
Will a car loan affect my home loan application later?
A car loan is a liability considered in a home loan assessment. If you plan to buy property soon, tell us so we can discuss your car budget and commitments together.
LET’S GET YOU MOVINGYour next car.
Your next car.
Your next chapter.
Speak to a real person about your car finance.
Talk to MRH0450 199 999