Business Details
8 Years
experience
Trusted Car Finance Solutions in Melbourne
Established in 2018, Melbourne Car Loans is an independent team of finance professionals dedicated to simplifying car financing for individuals and businesses across Australia. With over five years of industry experience, we specialise in providing tailored car loan solutions, including low doc options for self-employed applicants, commercial hire purchase agreements, and novated leases. Our team offers jargon-free advice, helping clients compare interest rates, fees, and charges to secure the most competitive deals.We prioritise flexibility, offering 100% financing, balloon payment options, and tax-deductible arrangements for eligible borrowers. Backed by partnerships with Australia's leading lenders, we deliver instant online quotes, obligation-free pre-approvals, and personalised support through our team of accredited finance specialists.
Services
Low Doc Car Loan
Commercial Hire Purchase
Chattel Mortgage
Finance Lease
Novated Lease
Consumer Loan
Comprehensive Insurance
GAP Insurance
Extended Warranty
Details
- Year established: 2018
Highlights and features
- We offer no early exit fees or monthly fees on car loans
- Specialise in low doc processing for self-employed applicants
- Provide Australia-wide car finance solutions
- Our team includes accredited finance specialists with 5+ years' experience
- Deliver instant online quotes in under 30 seconds
Services
Low Doc Car Loan
Tailored car finance solutions for self-employed individuals requiring minimal documentation. This service allows income declaration instead of traditional verification, with loan amounts up to $100,000 for vehicles up to four years old. Available to applicants with ABN held for 12+ months and verified property ownership, offering flexible deposit options and standardised interest rates.
Commercial Hire Purchase
Structured financing enabling businesses to purchase vehicles with 100% finance options. Features fixed interest rates, flexible 1-5 year terms, and balloon payment arrangements. Equity builds with each instalment while maintaining security over the financed vehicle, with potential tax deductibility of depreciation and interest for eligible businesses.
Novated Lease
Employee car financing solution where repayments are made from pre-tax salary through employer arrangements. Offers unlimited private use, job-change flexibility, and potential tax benefits for both employers and employees. Includes complete vehicle choice and eliminates personal budgeting requirements through employer-managed repayments.
Finance Lease
Commercial vehicle financing with 100% funding options and fixed interest rates over 1-5 year terms. Features residual payments based on ATO guidelines, allowing businesses to utilise assets without ownership obligations. Includes potential input tax credit claims and GST treatment aligned with Australian taxation regulations.
Chattel Mortgage
Immediate ownership financing solution with flexible term structures and balloon payment options. Provides 100% finance capability while maintaining security interest over the vehicle. Features GST treatment between customer and supplier, with depreciation and interest potentially tax deductible for business applicants.
Questions
What car loan options are available for self-employed individuals?
We offer Low Doc Car Loans requiring only income declarations, with up to $100,000 financing for vehicles up to four years old.
Can I get a car loan without a deposit?
Yes, we provide 100% financing options with flexible deposit requirements and balloon payment arrangements.
What business car finance solutions do you offer?
We specialise in Commercial Hire Purchase, Chattel Mortgages, and Finance Leases with tax-deductible options for businesses.
How quickly can I get pre-approved for a car loan?
Our online application process provides instant quotes and obligation-free pre-approvals within 30 seconds.
Do you offer car finance Australia-wide?
Yes, we provide car financing solutions nationwide with local expert support available in Melbourne.
What insurance options are available with car loans?
We offer comprehensive insurance packages including GAP Insurance, Lease Protection, and Extended Warranty options.
