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Today's lowest rate
5.89%

Comparison rate
6.79%*.

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Compare & Save With 30+ Lenders

Compare & Save With 30+ Lenders

Compare loans from over 30 well known and trusted lenders. Rest assured we will help you save time and money by doing all the hard work for you. 

Guaranteed Low Rates

Guaranteed Low Rates

If you happen to find a lower rate from a lender on our panel of lenders we will happily pay the difference in interest payable. Terms and Conditions Apply. 

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Fast & Easy Approvals

Fast & Easy Approvals

It’s our mission to have you approved as quickly as possible. Most of the time, we’re able to have our clients approved within 1 hour.

Protect Your Credit Score

Protect Your Credit Score

Too many credit enquiries can harm your credit score and lower your chances of approval. We protect your credit score by matching your lender to the right lender the first time. 

Why work with us

Our team of licensed finance brokers take the hassle out of getting a loan. The Australian lending market is highly complex. There is a huge range of lenders and products available. It’s crucial to get research the market and get the right loan for your needs. But it’s time-consuming and difficult to do that yourself. That’s where we can help.

Our team of brokers fully understand the market and the lending criteria of different lenders. We’ll take the time to understand your needs before recommending a suitable loan and lender for you. We’ll also help you with your application.

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You deserve choice!

Our award winning team will help you compare loans from over 30 lenders.

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Balloon

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Loan Types explained

Car leases

  • Tax-deductible rental option for business vehicles.
  • Option to buy or take another lease at the end of your lease term.
  • Can lower your repayments by applying a residual payment.

Novated car leases

  • A three-way arrangement between your employer, a finance company and you.
  • Pay no GST on your new car, saving you 10% on the purchase price!
  • Finance the purchase price and running costs of your car.
  • A great salary packaging option to pay less income tax each pay!
  • Flexible loan terms of 1 to 5 years to suit your specific situation.

Personal (unsecured) car loans

  • No security required!
  • An option for older or lower-value cars.
  • Flexible loan terms of 1 to 7 years to suit your specific situation.

Secured car loans

  • Use your new boat or other asset as security to get a great interest rate!
  • Flexible loan terms of 1 to 7 years to suit your specific situation.

Chattel Mortgages

  • Secured loans for business vehicles.
  • Claim the 10% GST on the purchase price on your Business Activity Statement (BAS).
  • Tax-deductible repayments.
  • Can lower your repayments by applying a residual payment.

Commercial hire purchase

  • Hire purchase alternative to leasing business vehicles.
  • Full ownership at the end of the loan term.
  • Can lower your repayments by applying a residual payment.
  • Claim the 10% GST on the purchase price on your Business Activity Statement (BAS).
  • Flexible loan terms of 1 to 5 years to suit your specific situation.

Frequently asked questions

Secured car loans provide lenders with the right to repossess your car if you don’t make your loan repayments. They therefore lower your lender’s risk. Unsecured loans on the other hand don’t provide any security to the lender. Lenders therefore charge higher interest rates on unsecured loans to compensate them for the increased risk.

A novated car lease is a three-way arrangement between your employer, a finance company and you. Your employer deducts the monthly lease payment (which includes the purchase price and running costs) from your pre-tax pay as part of a salary sacrificing arrangement. You therefore are using pre-tax dollars to pay for your car, and you pay less income tax.

A chattel mortgage is a secured car loan for business vehicles. Unlike a lease or hire purchase arrangement, you take ownership of the vehicle immediately.

However, if you don’t make your chattel mortgage repayments, your lender can repossess your vehicle and sell it to recover the amount you owe.

A residual (balloon) payment is an arrangement whereby you make lower repayments during your loan term and a larger final repayment to fully repay the amount you owe. 

Yes, you can save tax by writing off the cost of business vehicles under the instant asset write-off scheme provided that the cost of each vehicle falls within a set threshold. The threshold is $150,000 until December 31, 2020.

Who we are

Dealify Australia is a family owned business based in Newcastle NSW but services clients Australia-wide. We help everyday Australians and businesses to buy just about anything with wheels, tracks or a serial number. We are your dedicated team of finance experts.

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