Used Car Loans
To Suit Your Budget & Lifestyle
A car loan should feel like a stepping stone, not a setback.
If you’ve been knocked back elsewhere, you’re feeling unsure about your options, or just want clarity without the pressure, you’re in the right place.
With access to over 30 lenders, we help you find finance that makes sense for your life today, next month and next year.
We'll find you the best car loan from our 30+ trusted lenders
Get A Car Loan Quote Below
4 Simple Steps
To Your New Car
Think getting a car loan is complicated? Here's how simple it is when you come to us.
We shop across multiple lenders to find you a competitive rate on your used car, whether you found it at a dealer, on Carsales, Marketplace or a private sale.
Request A Quote
Complete our Online Car Loan Quote Request Form with a few details so we can start looking for the best car loan for you.
Review Loan Options
We'll compare lenders and find the right lender for your budget and lifestyle. This won't affect your credit score as we're just researching options.
Make An Application
We'll give you loan options to review and choose from. We encourage you to choose the loan that feels right for you, with no pressure, no obligation, and no extra fees
Get Approved
Once chosen the loan (and choose your car if you haven't already) sit back and wait for approval (usually within 1-3 business days).
Get Clarity Before Moving Ahead
We offer a personalised approach and we take into consideration your current and future needs so we can offer you the best car loan options possible.
With us you'll get:
1) Clear guidance so you never damage your credit file unnecessarily.
2) Honest conversations so you know exactly what’s happening and why.
3) Flexible lenders so you’re not boxed into a single option or pushed into a deal that doesn’t suit you.
4) A big-picture approach that protects you now and in the future.
Simple, Supportive and Stress-Free Car Loans
Here’s exactly what happens when you request a Car Loan Quote:
1) You share a few details so we can understand your goals and situation
2) We review your loan options without affecting your credit score
3) You choose the loan that feels right for you, with no pressure, no obligation, and no extra fees
4) Once you’ve found the car and chosen the loan, most car loans are approved within 1-3 business days.
Straight Answers, Not Sales Pressure
Let’s get clear on what’s possible for you...
Most people come to us a little bit ‘green.’
Maybe it’s your first car loan.
Maybe you’ve been knocked back for a loan and you’re feeling a bit disheartened.
Maybe you’ve cottoned on that car dealership finance can be a total rort.
As an independent broker who used to work in dealership finance, I can tell you now what I didn't know then - I wouldn't send my friends their way.
You need a car loan that’s fit for your life and your goals.
As an independent broker, I’m obligated to give you the best I can find for your situation, not the one that lines someone else’s pockets.
Our Happy Customers
Morgan Jannusch
Google Review
Candice and the team are phenomenal at their jobs! They were so quick to start looking for options for me and my business, and would keep me updated along the way. They were always willing to answer any questions I might have, and were absolutely wonderful to work with. I would highly recommend!
Odette Hattingh
Google Review
Candice and the team have been absolutely wonderful to deal with. We’ve had nothing but amazing service from her! Every single time we’ve had to deal with her she’s been up front and honest every single step of the way. Thanks for all your service, Candice!
Scottie Tunnah
Google Review
Candice is amazing. From the get go she was very helpful explained everything and made the whole process effortless with a great result. If you are looking for a down to earth non pushy broker with your best interests at heart, call Candice and the team at Inspired Asset Finance.
Frequently Asked Questions
Will I qualify for a car loan?
For a smooth and comfortable car loan application, at a minimum, you'll need to:
- Be 18 years or older
- Be an Australian citizen or permanent resident.
- Be in active employment or self-employment
- Not be an undischarged bankrupt
What will I need to provide to get a car loan?
We just need a few things from you, like your driver’s license and a privacy form signed. Important stuff, but we’ll make it super easy.
How long does it take to get a car loan approved?
With us, very quickly. Most car loans take between 1-3 business days to get approved.
Do I need to have a deposit to get a car loan?
No, a deposit is not mandatory for a car loan. Many lenders offer "no-deposit" or 100% financing options, allowing you to borrow the full cost of the vehicle. However, lenders may require a deposit if your credit history is limited or if you have a lower credit score.
Do I need to pay any fees upfront to get a car loan?
No. Most finance brokers including ourselves work on commission-only and are paid by the lender or dealership once your loan settles.
Do you offer refinancing of existing car loans?
Yes we sure do and would love to do a loan review. Refinancing a car loan means taking out a new loan to pay off your existing one, typically to secure a lower interest rate, reduce your monthly repayments, or alter your loan term. We have saved many people thousands of dollars over the life of their car loans.
Do you do car loans for new cars?
Yes we sure can. We work with 30+ lenders and will find you the best loan for your budget and lifestyle.
Do you do loans for other items?
Yes we sure do. We do loans for debt consolidation, boats, caravans, commercial equipment, business loans and more. Please let us know what you're looking for.
© 2026 Inspired Asset Finance
Toowoomba QLD 4350
Credit Rep number 512193
Is Authorised under Australian Credit License 389527