I’M INTERESTED!

I Want The best rates


When it comes to financing a car, there are so many things for you to consider that it may seem like you’re getting lost in a maze. You deserve to have a qualified professional walking you through the processes to get the best finance deal for your needs!

Smarter Car Finance

Car finance is easy when you let take care of the , and applications. You can get the finances for a car loan in no time!

is easy when you have an expert helping you out! We can help you with the application and processing of your new car loan when you are financing your new car. can be as simple as a phone call to The Smarter Finance Company. We can help you take care of the whole process from application to signing the contract!

We all want a good deal on our car finances, so it’s important to shop around when we’re financing our car so that we can get the best price. Find out more about financing your car when you compare car finance plans from our reputable lenders all across .

Let us help you request for quotes and compare the so that you can get the best car finance deal around!

I had Smarter Finance Company look at some car finance rates for me and I think the financing team is very approachable. I’m not the best with my numbers and I really didn’t know what I was looking for when I first stepped through their doors. I feel 100% comfortable to let Smarter Finance and the team take care of my car financing plan and get my loan approved because they took the time to present me with options and didn’t hard sell me to make a decision. Definitely would recommend them to my friends!
Imogen Finnis, Brisbane
I really did not expect to get such a good deal with car financing because of the nature of my job as an electronic equipment repairer. Work is far and in between and my income varies a lot from month to month. The Smarter Finance team seems to be very well experienced in handling cases like mine though and after I asked them to help me out, I actually had a few pretty good deals to choose from! Thanks Smarter Finance for helping me finance my car.
Toby Adermann, Brisbane
The Smarter Finance Company provided me with a very cost efficient and effective car financing plan that matches what I need without blowing a hole in my pocket. The Smarter Finance gave me some tips on speaking to the owner of the dealership and how to negotiate with them when picking a new car too. I didn’t expect a finance guy to really know what he was talking about but it looks like he really knows his stuff! I’m glad I spoke to him before I went down to trade in my car. The Smarter Finance company saved me a pretty dollar! Cheers!
James Muramats, Brisbane

Finance Your Car the Smarter Way!

Chattel Mortgages

The Smart Finance Company uses Chattel Mortgages to help you finance your car in a way that is easy to manage over the long run. We can explore this option for you and your new car today!

Chattel Mortgage

Having a Chattel Mortgage to finance your car means that your financing company will take a mortgage out on your vehicle as a security until you can pay the loan off.

Chattel Mortgages

Commercial Hire Purchase

If you need a car, but circumstances are a little more challenging, you can choose to take up a Hire Purchase agreement with a financial institution. Let us tell you more about how a Hire Purchase agreement works!

Commercial Hire Purchase

Because you don’t have to pay the full amount of the car, you can greatly save money on the use of the car and just like an installment plan, you have the option of spreading out the costs over a period of time.

Commercial Hire Purchase

Novated Lease

A Novated Loan is the choice of the gainfully employed working adult if you want an easy way to manage financing your new or used car. We can help you and your employer negotiate terms and conditions.

Novated Lease

With the involvement of your employer on the purchase of your new or used car, you can definitely afford the benefits of a car even sooner than you thought!

Novated Lease

Fixed Rates

The Secured Loan is one of your most basic types of loans and can help you easily finance a car cost-effectively. Let The Smarter Finance Company get you the best quotes from our list of lenders across Australia.

Fixed Rates

The secured loan might be able to help you acquire that new car without overpaying on interest over time!

Fixed Rates

Consumer Car Finance

When it comes to buying a car, a consumer loan can help you with the financing that you need to make it possible. Here’s more about our consumer loans so that you can understand how it can work for you...

Consumer Car Finance

Once all the repayments are made, the interest is lifted and the car is yours without obligation!

Consumer Car Finance

Flexible Rates

Taking a Flexible Loan plan from the partners of The Smarter Finance Company means that you can have a truly customised and tailored solution to your needs not only now but throughout the repayment period!

Flexible Rates

With such flexibility, of course you will require a more than outstanding credit history so that the lenders are satisfied that you’ll honour such a generous contract.

Flexible Rates

The Smarter Finance Company has access to a large network of insurers all across Australia so we can provide you with quote comparisons for the best protection plans for you and your car.


Being out on the road means inevitable wear and tear on your tyres and rims. And servicing and replacement might come into play sooner than expected if there is unexpected debris and fragments on the road! We want to make sure that even the wheels you ride out on are protected, so let us get those covered for you!


The Smarter Finance Company can provide you with round-the-clock assistance in case you’re stranded out on the road with your car needing repairs, a new battery or even fuel.Across Australia, we’re able to get you help whenever and wherever it’s needed.


The last thing you want to be worrying about if something happens to you or family members, is how you’re going to meet your loan obligations and repayments.
With Loan Protection Insurance, we make those worries go away, so that you can focus on what really matters.


When you protect your brand new vehicle, a warranty ensures that you can get the qualified attention that you need if something is found to be defective or faulty.
It’s important to look at extending your warranty so you can access the replacements you need for a longer period of time.


When you look at insurance in the event of default or other incidents not covered under traditional car insurance, Guaranteed Asset Protection will help give you the peace of mind that you have the protection that you need.
No more worrying about losing out when it comes to your loan repayments if something happens.
Get A Free Quote

Why Choose Us?

Reputable Lenders

What The Smarter Finance Company can help you with includes finding the right lender for your loan – getting a good interest rate is just the beginning!

Reputable Lenders

We can also help with figuring out what the best options are for you given the various interest rates such as the loan repayment period and other secured or unsecured options, mapping out the terms and conditions of maintaining and breaking the loan and of course, the length of repayment for the loan itself.

Compare & Save

The Smarter Finance Company wants to reach out to you and help you to sort out a good deal for the car as well as ensuring it is within your budget for now and all throughout the loan repayment periods.

Compare & Save

Our team will help you look at your financial plans and compare financing rates so that you can ensure that you’re not overpaying for the car that you’ve selected and you’re not overspending on one either!

Low Interest Rates

When it comes to financing rates for your car, there are a number of different things that need to be considered such as the type of interest rate that your loan will be based on.

Low Interest Rates

Variable or fixed rates can determine how your loan repayments can change while you are paying them off, fees and charges from the different lenders, secured or unsecured loans … We will help you understand and select the options that best suit your situation!

Same Day Approvals

As soon as you submit a quote we will contact you to help you go through the process. First we need the basic information so we can give you the best quotes we can offer.

Same Day Approvals

And when you make your choice we help you to apply by filling in the form together with you. This way you can be sure to get everything right from the first time and get your car finance and/or insurance approved the same working day.

100% Finance

Competition is strong in the car finance market and we already negotiated with them on your behalf to get 100% finance for your car.

100% Finance

With no money down or even negative equity, you can get the job done without the hassle. With so many different car finance lenders, we can always find you the right finance partner to meet your specific needs.

Obligation Free Quote

By submitting a quote request you’re not signing a contract, we simply offer you the best deal possible by comparing the offers that fit you best.

Obligation Free Quote

And we’re confident that you will compare that quote with other agents to then conclude we did give you the best offer. We’ve been in this market for years and know who to call to get you that extra option.

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