Car Loans Cairns
Get approved for your car loan in Cairns fast with Savvy.
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Compare low-rate car loans in Cairns
Lock in the best car finance deal in Cairns
Looking for affordable, convenient and easy car finance? Savvy can help you source the most suitable loan to help you purchase your next vehicle in Cairns, Townsville, Port Douglas or anywhere in North Queensland. We service the regions to help everyday car buyers choose from a wide range of car loan financiers and get approved before they know it.
Apply with Savvy and save
Because we have such a vast range of lending partners counted amongst our panel, we give car buyers like you the best shot at saving on vehicle finance. With the help of our dedicated consultants, we take the guesswork out of comparing and help you secure the most suitable and affordable loan deal for your needs. Get a free, no-obligation quote with us today to get started.
The features and benefits of car loans in Cairns
Competitive interest rates
We can help you access affordable car finance with low interest rates and comparison rates to help you save across your loan deal.
No deposits required
You don’t need to pay anything upfront when purchasing your vehicle, with financing up to 100% of its sale price possible (and sometimes more if you want to include on-road costs).
Repay over one to seven years
You’ll have the power to choose over what timeframe you repay your car loan debt, with terms as short as one year and as long as seven available for you to spread repayments out to your liking.
Diverse employment and income accepted
Regardless of whether you’re working full-time or part-time, a casual employee or are self-employed (or even a combination of more than one), you can still be approved for finance.
Buy new or used vehicles
You won’t be limited to brand-new vehicle purchases from Cairns dealerships, either. We can also help you get approved for a loan to purchase a used car from a private sale.
Enjoy fixed interest across your term
There’s no need to be worried about your interest rate increasing across your car loan term, as all finance comes with fixed interest and will remain the same throughout your repayments.
Why apply for your car loan with Savvy?
Wide range of lenders amongst our panel
With more choices available to applicants, you can find the right lender for your needs with more confidence with us.
Fast online application process
You can fill out a quick quote and your initial application from your computer or smart device, making it simple and convenient to do so.
Experienced team of consultants
You won’t be on your own throughout this process, either, with one of our dedicated consultants helping you along the way.
What our customers say about their finance experience
Savvy is rated 4.8 for customer satisfaction by 3257 customers.
The documents required for your Savvy car loan application
Photo ID
Firstly, you’ll need to prove your identity as part of the application process. This will almost always be with your driver’s licence (copies of both the front and back of your card), but passports may also be accepted in some situations. You might also be required to supply your Medicare card as part of this step.
Two most recent payslips
We’ll also need to see your two most recent payslips to get a read on what you’re earning each fortnight, month or pay cycle. If you’re self-employed, you’ll need at least the most recent (or two most recent) years’ worth of tax returns. On top of these, certain lenders may require you to supply 90 days of bank statements.
Credit file
Your Savvy consultant will have a look at your credit report and history to assess your score, past borrowing and any current liabilities. This will hold you in good stead, as lenders place plenty of stock in your credit file. They’ll want to see that you’re a trustworthy borrower when it comes to other similar debts and have displayed stability in your living situation. This will be automatically accessed by your consultant, so you won’t need to submit this yourself.
Savvy application form
This will be completed early on in the process via our website. Your consultant will double-check everything before submission to ensure there aren’t any issues with the application.
Signed consent form and credit guide
Finally, your consultant will also provide you with a consent form and credit guide to sign. This simply confirms that you agree to the terms set in place by your lender and our involvement and services as a broker through the car loan process. These will likely be the last forms required to complete your application.
