Refinance & Save
Already have a car loan or equipment finance? If you signed up more than 12 months ago — or if your credit has improved since — there's a good chance you're paying more than you need to. Let us check.
You Might Be Overpaying
Rates change. Your circumstances change. That loan you signed up for 2 years ago might have been great then — but it might not be the best deal available now. Here's when refinancing makes sense.
- Rates have dropped — if market rates are lower than when you signed, you could switch and save
- Your credit improved — a better credit score qualifies you for better rates
- Dealer finance was expensive — most dealer finance carries a margin on top. We can often beat it.
- You want lower repayments — extend the term to reduce what you pay each month
- You want to pay it off faster — shorten the term and save on total interest
- You need to release equity — borrow against the value in your asset
Refinancing in 4 Steps
Send Us Your Details
Tell us your current loan details — lender, rate, balance, and repayment amount. We'll do the rest.
We Run the Numbers
We compare your current deal against what's available now from 30+ lenders. If we can't beat it, we'll tell you.
Review Your Options
We show you the savings — per month and over the life of the loan — so you can make an informed decision.
We Handle the Switch
We manage the payout, the new loan, and the transfer. You just sign the docs and enjoy lower repayments.
Any Existing Finance
Car & Vehicle Loans
The most common refinance. If you got dealer finance or signed up when rates were higher, switching to a better rate can save you hundreds per month.
Equipment & Commercial
Business finance, chattel mortgages, and equipment loans. If your business has grown or your credit profile has improved, you may qualify for better terms.
Personal Loans
Existing personal loans — secured or unsecured — can often be refinanced at a lower rate, especially if your circumstances have changed since you originally borrowed.