Car Finance Brisbane | New & Used Car Loans | Flagship Financial

New & Used Car Finance

Found the perfect car — or still looking? Either way, we'll compare rates from 30+ lenders to get you behind the wheel faster, with a deal that actually makes sense for your budget.

30+

Lender Panel

Upfront Fee

24hr

Fast Approvals

New Cars

Brand New Vehicle Finance

Buying new means manufacturer warranty, the latest features, and peace of mind. We'll find you the sharpest rate so your repayments don't take the shine off your new purchase.

Competitive fixed rates — lock in your repayment so there are no surprises
$0 deposit options — 100% finance available for strong applicants
Flexible terms — choose 1 to 7 year loan terms to suit your cash flow
All makes and models — sedans, SUVs, utes, 4WDs, vans — anything with a VIN
Pre-approval available — know your budget before you step into the dealership

Used Cars

Quality Used Vehicle Finance

A quality used car is often the smarter buy — less depreciation and lower purchase price. We work with lenders who specialise in used vehicle finance so you're not paying a premium on rates just because the car isn't brand new.

Private sale & dealer — finance whether you're buying from a yard or a mate
Older vehicle specialists — lenders who'll finance cars other banks won't touch
Balloon payment options — reduce your monthly repayments with a lump sum at the end
Fast settlement — don't miss out on a good deal because finance took too long
PPSR check included — we verify the vehicle isn't encumbered before you sign

Why Us

Better Than Dealership Finance

The dealer's finance office works for the dealer — we work for you. Here's the difference.

Save Thousands Over Your Loan

Dealers add their own margin on top of the lender's rate. We go direct to 30+ lenders and pass the savings on to you. Most clients save thousands in interest over the life of their loan compared to dealer finance.

Pre-Approval Gives You Power

Walk into any dealership knowing exactly what you can spend. Pre-approval means you negotiate the car price as a "cash buyer" — no pressure to take their finance package.

One Credit Check, Not Five

Applying at multiple dealers means multiple credit enquiries on your file — each one lowers your score. We do one assessment and submit to the right lender the first time.

A Real Person, Start to Finish

No call centre, no chatbot. You deal directly with your broker who knows your file, answers your calls, and keeps you updated every step of the way.

FAQ

Car Finance Questions

How much deposit do I need for a car loan?

Many of our lenders offer 100% finance — no deposit required — especially for new vehicles and applicants with a good credit history. A deposit can help reduce your repayments, but it's not always necessary.

Can I get finance for a private sale?

Yes. We work with lenders who finance private sales, not just dealership purchases. You'll need the seller's details and a few extra documents, but the process is straightforward.

What's the difference between fixed and variable rates?

Fixed rates lock in your repayment for the entire loan — you know exactly what you'll pay each month. Variable rates can go up or down with the market. Most car finance clients prefer the certainty of a fixed rate.

How old can a used car be to get finance?

It depends on the lender. Most mainstream lenders finance vehicles up to 10-12 years old at the end of the loan term. We also have specialist lenders who'll consider older vehicles on a case-by-case basis.