Option 1Consumer car loan
Best forA car that is mostly for personal use
Who owns itYou do. The lender holds security until it is paid out
Good to knowA fixed term, and some lenders offer a balloon
What we finance
Every way to buy a vehicle
The family car, a work ute or the weekend 4WD. Tell us once and we match it to the right lender across 30+.
- New cars from any dealership
- Used cars and marketplaces
- Private sales
- Utes, vans and dual cabs
- Work vehicles for ABN holders
- Refinancing an existing loan
Start to settlement
You do three things. We do the rest.
We shop your application across 30+ lenders, run the PPSR check and sort any payout letter on a private sale, lodge the application and chase the lender, and settle with the dealer or seller.
Get Approved- Tell us what you needA couple of minutes online. No credit check for a quote.
- Have your documents readyDriver licence, proof of income and the car's details or the dealer quote.
- Pick up the keysWe settle with the dealer or seller, and you drive away.
Your situation
How are you buying?
Pick the one that fits. The paperwork changes, the process does not.
From a dealer
New or used, from any dealership or online marketplace. The dealer supplies the invoice and we settle with them directly.
Private sale
Lenders want a PPSR check to confirm nothing is owing, plus a payout letter if the seller still has finance on the car. We handle both, and any debt is paid out at settlement so it does not follow you home.
Self-employed or ABN
Lenders on our panel read self-employed income properly, using bank statements, BAS or an accountant's letter, and some offer low doc options.
More on self-employed car loans
Credit not perfect
Specialist lenders look at the story behind your file, not just the score. You get a straight answer before anything touches your credit file.
More on bad credit car loans
Structures and options
Loan, chattel mortgage or lease?
How the car will be used decides the structure. Here is how the three compare.
Option 2Chattel mortgage
Best forABN holders using the vehicle mostly for work
Who owns itThe business, from day one. The lender registers its interest
Good to knowUtes, vans and dual cabs are commonly financed this way
Option 3Novated or finance lease
Best forSalary packaging through your employer, or some business use
Who owns itThe financier, for the term of the lease
Good to knowTell us it is on the table and we will point you in the right direction
Which structure suits you can depend on your tax position, so check with your accountant. We arrange finance, we do not give tax advice.
Get ApprovedRepayment estimator
Work out your repayments
Move the sliders to see roughly what repayments could look like. When you enquire, we compare real lender options for your situation.
Indicative estimate only. The rate is an example you choose, not a rate we are offering. Actual repayments vary by credit profile, lender, fees and product type, and this is not a quote or an offer of credit.
The process
How it works
1
Step 01
Tell us once
Two minutes online or a quick call. No credit score impact at this stage.
2
Step 02
We shop the panel
We match your situation against 30+ lenders and come back with the best fit.
3
Step 03
Approval
We lodge, chase and manage the lender. Many deals are approved within 24 to 48 hours.
4
Step 04
Drive
We handle settlement with the seller. You pick up the car.
Why Solvyr Capital
Finance brokering done right.
We work with clients and lenders right across Australia. As a credit representative under AFAS Group's Australian Credit Licence, we're held to strict compliance and professional standards.
We move fast
Quick answers and updates at every step. Your time is money and we don't waste it.
Licensed & compliant
CR No. 576829 under AFAS Group ACL 414426. FBAA M-362098. AFCA 121188.
Deals others can't do
Self-employed, adverse credit, new ABN, specialist assets. Our lender relationships are built for it.
Transparent & honest
We work for you, not the lender. Straight about your options, the fees and the best path forward.
Highly recommend Solvyr Capital. They helped me with finance for my car and made the whole process very quick and easy. Very professional, easy to communicate with, and everything was explained clearly. Great broker and great service. Thank you!
Highly recommend!! Wouldn't go anywhere else. Super efficient, professional service.
Had a great experience with Nash, very friendly extremely helpful was super good process getting my loan with Solvyr
The detail
Know before you apply
The longer read, for when you want the full picture. Tap a topic to open it.
A broker beats a bank queue
Walking into a bank gets you one answer from one lender. Sending the same application to lender after lender racks up enquiries on your credit file and burns your weekends. A broker flips that around. You tell us once what you are buying and what your situation looks like, and we shop it across a panel of more than 30 lenders to find the sharpest deal on our panel that you actually qualify for.
Solvyr Capital works with buyers right across Australia, from first cars to work utes. Because we live on the lender panel daily, we know which lender suits a casual worker, which one reads self-employed income properly, and which one will move fast when the dealer is pushing you to sign.
What we finance
- New cars from any dealership, with approvals often ready before you walk in
- Used cars from dealers or online marketplaces
- Private sales, including the extra checks lenders want (PPSR, inspections, payout letters)
- Refinancing an existing car loan that no longer fits
- Utes, vans and dual cabs for work, including chattel mortgage options for ABN holders
Good to know
FAQs
Rather talk it through?
or call 0468 157 797
Tell us what you are looking to finance and get a straight answer. The enquiry does not affect your credit score.
Get Approvedor call 0468 157 797
How fast can I get car finance approved?
Many applications are approved within 24 to 48 hours of us receiving your documents, and some lenders can settle within the same week. Timing depends on the lender, the vehicle and how quickly the paperwork comes together.
Can I get car finance for a private sale?
Yes. Private sales need a few extra steps, like a PPSR check and a payout letter if the seller still owes money on the car. We handle those checks as part of the process.
I am self-employed. Can I still get a car loan?
Yes. Several lenders on our panel are set up for self-employed borrowers and ABN holders, including low doc options that do not need full financials. See our self-employed car loans page for the detail.
What will it cost me to use a broker?
We explain any costs upfront before you commit to anything. Solvyr Capital acts as a credit representative and may receive commission from the lender on settlement, which we disclose to you.
Can you help if my credit history is not perfect?
Often, yes. Our panel includes specialist lenders who look at the full picture rather than just a score. Approval is never guaranteed and every application is subject to lender criteria, but we will give you a straight answer about your options before anything hits your credit file.
