Compare Options.
Faster Than Ever!

Compare realistic loan options with powerful data & AI matching technology

✓ Lodge within minutes
✓ Fast turnaround times
✓ Compare with no impact to your credit score
✓ Access over 60+ banks & lenders
✓ Competitive rates

Step 1

Input

Input your information in our AI options tool and it will calculate and present you with the best options available!

Remember, the more information you provide, the more accurate your loan options will be.

Step 2

Compare

Let our AI options tool do the work instantly! No waiting around!

With over 60 Lenders, our AI options tool will curate and personalise the best results based on your priorities.

Step 3

Choose

Now the easy part! Pick from the list and if you need further clarity, the platform can provide you with a granular level of detail to help find what you are looking for.

For a more personal touch our Customer Service Consultants are available to talk to you.

New Car Finance

Whether you are buying a new or a used car, financing options can vary. Not surprising, but getting finance for a new car is usually more affordable as interest rates tend to be cheaper.

If your car is a fossil (15 - 25 years old), some lenders may not even give you the time of the day. If you do not have an expert loan marketplace, who provides you with a large and diverse panel of lenders you may be left with an unsecured loan which will attract higher rates, meaning you pay more.

Secure your car finance within minutes with this new AI technology!

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Why choose SpeC Finance?

It's all about convenience and competitive rates

Access competitive rates by utilising this fast platform courtesty of our partners at loanoptions which has generated them over 850+ 5 star google reviews for a reason!

Comparing this many lenders is now faster than ever and with so many lenders out there, you can access it all with ease. It's always a great idea to shop around to make sure you’re getting the best deal and tailor your loan agreement so that the repayment levels and interest rates suit your circumstances. You can do this with us, by comparing 60+ lenders instantly, so you know you are getting a great deal

Still not convinced?Check the Frequently Asked Questions section further below or if you are not ready yet, refer a family or friend and earn after they settle.

Trustworthy and Efficient Loan Services

Take advantage of our user-friendly platform, personalised loan options, and swift approval process.

Transparent Procedures
Secure Transactions
Apply Anywhere, Anytime
Tailored to Your Needs

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Frequently Asked Questions

How much can I borrow for a car loan?

The amount you can borrow for a car loan will depend on your individual financial circumstances. To get an idea of how much you can borrow, we recommend using our car loan calculator which takes into account your car loan repayments, car loan term and car loan interest rate. In theory, there is no “limit” and provided there is the capacity and serviceability to repay the loan and you meet the lending criteria, then we should be able to secure your dream car. Alternatively, feel free to get in touch with one of our representatives to find out more.

What is a secured & unsecured car loan?

A secured car loan is a loan that is backed by collateral and referred to as an "secured" car loan. The collateral for the loan when applying for a secured car loan can be the car itself, or some other property that the borrower owns outright. An unsecured car loan does not have any collateral attached however, in most cases will attract a higher interest rate.

How long does the loan application process take?

Usually, a car loan application process can take anywhere from a few hours to a few days. The time it takes to get approved for a car loan depends on the lender, the type of car loan, and the borrower's credit history, income and available supporting documents. Spec Finance prides itself on having one of the fastest online car loan applications (7 minutes or less), married with our intelligent AI lender matching service that takes the guesswork out of applying for car loan.

Can I apply for pre pre-approval car loan if I haven't found a car yet?

Yes, you can. In fact, at Spec Finance a car loan pre-approval is quick and easy. We just need some information about you and your finances and we'll give you an idea of how much you can borrow. This means that when you find the car you want, you'll know exactly how much you can afford. If you have your finances pre-approved prior to negotiating with the seller, this may lead to you getting a better deal and ensuring that you don't miss out on any specials that might be linked to a deadline. If you are looking to buy a car on finance its best you get a preapproval before agreeing to buy a car.

What is a balloon payment on a car loan?

A balloon payment is a type of structure where you make smaller payments over the life of the loan, with a larger final payment (or 'balloon') at the end. Balloons on car loans can be a good option if you're looking to keep your repayments low during the life of the loan however, you need to be aware that once your loan term is complete, you will need to make one final large payment to the finance company, or refinance that final balloon amount.

What is the maximum term of a car loan?

The maximum car loan term will differ from lender to lender, but is typically between 5 and 7 years. The car loan term you choose will affect your car loan repayments - the longer the car loan term, the lower your car loan repayments will be but the more interest you end up paying. Our team at Spec Finance is always available to speak to you to discuss all your options for your next car loan to make sure you have all the information before you make your decision.

What happens once my car loan finance is approved?

The process once approved is super simple! We contact you to send over your loan contract. Once you have read the contract in detail and are happy to proceed, you sign the contract and send it back to our team. Usually the contracts are digital signatures and are paperless, so you can sign on the screen of your smart phone! It is that easy. Generally the funds will be released the same day that you sign your contracts and in some cases you will receive the funds immediately after you sign.

I am self-employed, can I still get a car loan?

Yes, you can. Our team at Spec Finance understands that not everyone has a traditional 9-5 job. We have car loan products available for self-employed individuals, including “no-doc” and “low-doc” loans. Because we work with so many small business owners we understand that not every business owner has all of their tax returns and financials completely up to date and so it is important to us to make it as easy and as frictionless as possible to help you apply and get an approval. All we need to do is gather some basic information from you in order to assess your car loan application and be able to match you to the best suited lender and present all your options. At Spec Finance we are all about Options!

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Compare Loans Instantly

Explore your options from over 60+ lenders in Australia. Our platform makes it easy to find and compare loans in real-time.

Intelligent Recommendations

Benefit from AI-driven loan recommendations tailored to your specific needs. Our smart technology ensures you always find the best rates and terms.

Fast and Seamless Application

Complete your loan application within minutes directly from our platform. Get approval and settle your loan in as little as an hour..

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Refer a Family Member or Friend and earn $100

Not ready yet? That's ok!

If you know a family member or friend that is ready, simply

1. SMS the full name and number of you and the person you are referring to 0481 877 732

2. Have them complete the finance through the new fast AI technology platform above

3. Once they settle, we will gift you both with $100 each for securing the loan through our group.

It's that simple!

Compare Options.
Faster Than Ever!

Compare realistic loan options with powerful data & AI matching technology

✓ Lodge within minutes
✓ Fast turnaround times
✓ Compare with no impact to your credit score
✓ Access over 60+ banks & lenders
✓ Competitive rates

Step 1

Input

Step 2

Compare

Step 3

Choose

Quick Apply

Why choose SpeC Finance?

It's all about convenience and competitive rates

Trustworthy and Efficient Loan Services

Frequently Asked Questions

Refer a Family Member or Friend and earn $100

More reasons to choose us

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