Vehicle Finance
A separate panel for new and used vehicles, with a much faster turnaround than a mortgage.
Request a timeA 15-minute call with Marko, confirmed within one business day.
Avala Finance runs a car and vehicle finance panel alongside the mortgage business, for new and used vehicles and refinancing an existing car loan onto a better rate.
Plenty of Marko's clients first came to him for a car loan rather than a mortgage, and found the same direct, no-call-queue process on the other side.
Turnaround is usually much faster than a home loan (often a few days, sometimes less), since it doesn't depend on a property valuation. The same principle still applies: the loan is matched to the vehicle and how long you'll actually keep it, not just whatever term a dealership's finance desk defaults to.
"Marko has been professional, efficient and friendly helping my partner and I secure a car loan… he took the stress and hassle out of the process."
Alarna ThompsonGoogle review
- New & used vehicle loansPersonal vehicle finance, compared across the panel rather than the one lender a dealership's finance desk offers.
- Dealer or private saleFinance arranged whether you're buying from a dealership or a private seller, sorted before you hand over any money.
- Refinancing an existing car loanIf you financed through a dealership at a higher rate, it's often worth checking what the panel can now do instead.
Good fit if
- You want a rate compared before you sign at the dealership
- You're buying privately and want the finance sorted before you commit
- You're on a dealership car loan and haven't checked whether it's still competitive
Worth knowing
- A balloon payment lowers repayments but leaves a lump sum due at the end
- Older or higher-mileage vehicles can affect the rate
Questions about car and vehicle finance
Can I get finance for a used car?
Yes. New and used vehicles, from dealers or private sellers, though some lenders limit the age of the vehicle.
Should I just take the dealership's finance?
Dealer finance is convenient, but it usually comes from a single lender. Having finance arranged before you visit lets you compare it against the panel and negotiate on the car's price rather than the monthly repayment.
How quickly can car finance be approved?
Often within a few business days once your documents are in, much faster than a home loan.
Can I refinance an existing car loan?
Yes, if a lower rate or better structure is available and any early-exit costs on your current loan don't cancel out the savings.
General information only. Lender policies vary and change. Marko confirms what applies to you on the first call.
Still not sure? Request a time and Marko will look at your situation.