Cars & Utes Finance

We can find the right car loan for you

If you’re looking to buy a used or new vehicle for personal use or business, our team of experienced financial professionals can help you decide on the perfect auto finance for you. Obtaining funds to purchase your dream car does not have to be a stressful and confusing process. At Oxcel Finance, we make the financing process quick and easy with no messy paperwork.

You have the options of applying for either a consumer car loan or a personal loan to finance your dream vehicle. Don’t hesitate to talk to us to get a free consultation on the right finance for you.

Why Choose Us?

There are many reasons why Oxcel Finance is a good choice. We have a professional and experienced staff of finance brokers to assist you in making the best financial decision. In addition, we have partnered with Australia’s leading lenders to find you the best Auto-Finance deal.

We provide financing for the following:

Personal or Business Cars
Buses
Mini Vans
Semi-trailers
Lorries
Dump trucks
Tow trucks
Box trucks
Truck tractors
Flatbeds
Prime-movers
Articulated vehicles
Concrete transporters etc.

Our auto financing comes with the following benefits:

Quick and easy application process
Low Interest Rates
Fixed Rates for Low-Doc/No-Doc Loans
Affordable Repayments
Suitable Terms
Private purchases or Dealerships
Dedicated support

Bad Credit Score

Having a bad credit score shouldn’t deter you from securing funds for your dream car. At Oxcel Finance, we have the expertise and right partners to secure you the financing you need to purchase your dream car. We have helped thousands of people with bad credit score to secure a loan, and we’ll be glad to help you too.

Low-Doc/No-Doc loans for ABN holders

Low Doc or Low Documentation car loans are only available to self-employed applicants or Australian businesses with an ABN (GST registered), who may struggle to demonstrate consistent revenue over the previous two years. It allows businesses to finance a car without the need for full financials. These loans include a number of borrower restrictions and conditions. For example, the car must be utilized ‘primarily’ for commercial activities.

Similarly, No Doc car loans are available for GST registered ABN holders. Obtaining a No Docs Car Loan can be difficult, as it may require some down payment. You can sit back and relax as we do all of the hard work for you and get you on the road as soon as possible.

Please contact us on 1800 010 001 or Apply Online to get the best deals and rates available on the market. We look forward to assisting you in obtaining your dream vehicle!

Any calculation made using this repayments calculator is intended for illustrative purposes only. The calculator does not take establishment fees, stamp duty, or other government charges into account. Any calculations made should not be relied upon for the purposes of deciding whether to apply for a loan.

Some of the benefits of car finance via Oxcel Finance

Anytime, Anywhere, Anyhow

We’re a real online business. Get an online quote, electronically sign documents and receive / send funds electronically; there’s no need to leave that couch!

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual.

Lifetime Support

Don’t get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we’re here for you over the life of your loan.

Common questions about your secured loan

What is a car loan and how does it work?

A car loan (also referred to as a secured car loan) involves a finance company lending you the money to purchase a vehicle for personal use. The loan is secured against the vehicle and, when the final repayment has been made, you will own the vehicle outright.

What are the benefits of a car loan?

Benefits and product features of most car finance solutions include flexible loan repayment periods, the ability to set a balloon or residual which will reduce your monthly repayments and lower interest rates versus a personal loan thanks to the loan being secured against the vehicle itself. As a business, a car finance solutions may help you improve cash flow to your business, as well as the potential to claim tax deductions if the car is being used for business purposes (check with your accountant for eligibility).

What tax and GST can I expect to pay on a secured loan?

Please visit the ATO website or speak to your accountant to find out about claiming vehicle-related tax deductions.

Who should choose a car loan?

A car loan is a good option for someone who uses their vehicle mainly for personal purposes, but who does not have the option of salary packaging a car through a novated lease.