Compare 100+ lenders in one application. New, used, electric, or bad credit — we'll find you the best rate.
Compare 100+ lenders in 2 minutes
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From brand new EVs to older trade vehicles — we've got specialist lenders for every situation.
Previous credit issues? We work with specialist lenders who approve based on your current situation, not just your past.
100% financing available. Get approved without a deposit and drive away sooner with our panel of no-deposit lenders.
Special rates for EVs and hybrid vehicles. Take advantage of government incentives and lower running costs.
Financing for brand new vehicles from dealerships. Competitive rates from 5.99% p.a. for new cars.
Finance for quality used vehicles. We approve cars up to 15 years old from dealers or private sellers.
Lower your rate and reduce repayments. Refinance your existing car loan and save thousands in interest.
Get approved before you shop. Know your budget and negotiate better at the dealership.
Self-employed or limited paperwork? We offer low-doc options with minimal documentation requirements.
Including business car loans, novated leases, luxury vehicles & more
Don't waste time applying to multiple lenders individually. Submit one application with Kreddi and we'll shop it across our entire panel — including major banks (ANZ, CBA, NAB, Westpac), credit unions, and specialist car finance providers. More lenders means better rates and higher approval chances.
Traditional banks often auto-decline applications with past credit issues. We work with specialist non-bank lenders who assess your current financial situation, not just your credit score. Defaults, bankruptcies, arrears — we've helped customers with all kinds of credit histories get approved.
Most car dealerships charge "dealer fees" of $500-$1,000. We charge you absolutely nothing. Lenders pay us a commission when your loan settles, which means you get expert broker service for free. No upfront fees, no hidden charges, no application fees.
Found the perfect car and need finance fast? We specialize in quick turnarounds. Most customers receive conditional approval within 24-48 hours. In urgent cases, same-day approval is possible. Once approved, settlement typically takes 3-5 business days.
Buying from a licensed dealer? Great. Found a gem on Gumtree or Facebook Marketplace? We can still help. Our lenders finance private sales, dealer purchases, and even auction vehicles. We'll arrange independent valuations and handle all the settlement paperwork.
Apply now and get access to Australia's best car finance rates from 100+ lenders.