Innovative Lending Solutions
40+ lenders accessed
Direct broker access
Australian Credit Licence #387856
Home› Services› Car Loans
12 · Vehicle

Car finance,
better than the dealer offer.

Personal or business, new or used, dealer or private sale. We compare 20+ car loan lenders so you don't take the first dealer quote and overpay for the life of the loan.

Book a Strategy Call → Call (03) 9967 1678

Indicative Rates · Car Loans

New Car (Personal)6.99% p.a.
New Car (Business — Chattel Mortgage)6.49% p.a.
Used Car7.49% p.a.

Indicative rates only. Actual rates depend on lender, LVR, file profile and current market. Book a strategy call for precise figures matched to your scenario.

What's covered

Car Loans — end to end.

Every angle of car loans, handled by one team that knows your file.

⊙

Personal Car Loan

Secured against the car. Standard personal loan structure, often beating dealer finance rates by 1-3%.

⊞

Business Car (Chattel Mortgage)

You own the car, claim depreciation and GST. The most tax-effective structure for most business vehicle purchases.

⊠

Business Car (Lease)

Financier owns the car; you claim lease payments as a deduction. Off-balance-sheet treatment for businesses that need it.

◇

Novated Lease

Employee benefit structure — pre-tax salary payments. Highly tax-effective for higher-income earners.

↻

Used Car Finance

Finance for used cars up to 12-15 years old at term-end. Independent valuation often required for older or specialist vehicles.

★

Private Sale Finance

Buying from a private seller? We arrange settlement direct with the seller via a trusted third-party process.

Why Wood & Weiss

A different kind of car loans brokerage.

Real broker access. Real strategy. Real outcomes.

Beats dealer rates

Dealer finance is convenient but rarely competitive. We typically beat dealer quotes by 1-3% — a few thousand dollars over the life of the loan.

Tax-aware structuring

Chattel mortgage, lease, novated lease — each has different tax treatment. We work with your accountant to pick the right one.

Fast approval

Standard car loans approve in 24 hours. Settlement to dealer often same-day. You don't hold up the purchase.

Full lender comparison

Personal lender panel of 20+ specialists. We submit to the right lender for your profile — not just whoever the dealer has a kickback from.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

01

Quick scoping

A 15-minute conversation: vehicle details, purpose (personal or business), budget. Indicative quote within hours.

02

Lender match

Match to 2-3 most-suitable lenders. You see indicative rates before committing.

03

Application

Streamlined one-page application. Approvals on standard files within 24 hours.

04

Settlement to dealer or seller

We coordinate funds direct to dealer or private seller. You drive away with the right finance behind you.

FAQ

Car Loans — common questions

Is broker finance better than dealer finance?
+
Almost always, yes. Dealers receive incentives from their finance partners which is why their rates are typically 1-3% higher than the best available. Over a 5-year loan that's thousands of dollars.
What's the difference between chattel mortgage and lease?
+
Chattel mortgage: you own the car, claim depreciation and GST upfront. Lease: financier owns; you claim lease payments. Your accountant's preference and your tax position determine which fits.
Can I include extras and on-roads?
+
Yes — finance can typically cover the full drive-away price including registration, stamp duty, dealer delivery, accessories and warranty. We model whether financing extras is worth it vs paying cash.
What about balloon payments?
+
Balloons reduce monthly repayments. At end of term you refinance, sell or trade. Typical balloons are 20-50% depending on the vehicle and term. We model the trade-offs.
Can I finance a car I bought privately?
+
Yes. The lender pays the seller directly via a trusted third-party process, with title transferred properly. Inspection and verification steps are slightly more involved than dealer purchases.
Will a car loan affect my home loan capacity?
+
Yes — car loan repayments count against your overall borrowing capacity. If you're planning a property purchase, we model both together so the car loan doesn't kill the property deal.
How fast can business finance settle?
+
For straightforward deals it can be quick — approvals are often back within 1-2 business days, and where the asset and supplier details are ready, settlement can follow same-day to a few days after approval. Low-doc and asset-backed applications tend to move fastest; deals needing full financials, complex structures or unusual assets take a little longer. We tell you up front what's realistic for your situation and chase the lender so nothing stalls.
Can I self-declare my income for a car loan?
+
In some cases, yes. A number of lenders offer low-doc or self-declared income options for car and asset finance — typically for ABN holders, often with a clean credit history and sometimes a deposit or the asset itself as security. Rates and limits differ from full-doc loans, and the lender still has responsible-lending obligations to confirm you can afford the repayments. We'll match you to a lender whose policy fits how you can evidence your income.
Related services

Also part of what we do.

10 · Asset
Asset Finance
→
13 · Personal
Personal Loans
→
11 · Equipment
Equipment Finance
→
Jeff Moishe
Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
Talk to us →
Book a call

Talk to a real broker. Today.

30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.

  • 30-minute strategy call (phone or video)
  • Borrowing position review and lender matching
  • Written follow-up with clear next steps
  • Direct director access — Jeff or Moishe handles your file

Pick a time that suits you

Jump into our live booking calendar and lock in a 30-minute strategy call with Jeff or Moishe — phone or video, whenever works for you.

Book a Call →
Opens book.woodandweiss.com.au · secure online scheduling

Ready to make a move?

Book a 30-minute strategy call. Free. No obligation. Talk to a real broker today.

Book Strategy Call → Call (03) 9967 1678