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Guaranteed Car Finance Quote

When you’re looking for car finance, it’s helpful to have a friend and reliable partner to navigate you through the traps and pitfalls of consumer loans. To get guaranteed car finance you don’t have to look further than The Smarter Finance Company.

If you have bad credit or a non-existent credit history, or you’re working irregular jobs and don’t have a fixed income, you may worry about what happens when you are ready to buy a car. Some banks will give you sky high rates or reject your applications altogether – it can be incredibly stressful and complicated to put your car financing request through the application!

Smarter Car Finance Services

6/10 Osborne Road, Manly, 2095 Sydney, NSW Australia

Finance SmarterFinance Smarter1300 88 11 86 $

Car Finance Deals

Rated 5/5 based on 4 customer reviews


If you’ve never bought car finance plans before then you’re in for a nasty shock when you attempt to buy a car. And if you’re like me, you might never get to drive your car home because you’ll get so confused you’ll end up giving up on getting the money to buy one! Unless you get guaranteed car credit with Smarter Finance that is. They totally helped me afford my little speedster!

Sean Hislop, Adelaide


Could not have made a better decision when I chose The Smarter Finance Company for help! Special mention to Rowan who helped me personally with getting my guaranteed financing in a record time! I was worried that I’d have to go ages without some transport if I couldn’t get some used car finance rates that were within my price range and they really came through for me! So thanks guys!

Brock Cartledge, Melbourne


Due to some personal reasons, I needed to acquire a new car in a really short period of time and I was really looking for a solution to get me a car financing approval in the shortest amount of time. With Rowan’s help, I was able to use their guaranteed financing scheme to get the results I needed and with no sweat! I’d definitely recommend the team at The Smarter Finance Company if you have similar needs!

Savannah Irving, Sydney


When I got ready to buy a car last year, I never expected to be able to afford more than a regular old sedan. But thanks to The Smarter Finance Company who managed to pull out some amazing finance car deal and guaranteed car credit for me, I’m now a proud owner of a Porsche! I’m the envy of my mates and I am absolutely chuffed by this right now. I would most definitely have all my friends go to Rowan if they needed car financing advice!

Sam Dartnell, Gold Coast
The Smarter Finance Company is in contact with numerous financing institutions and banks across Australia and we are certain that we are able to put you in contact with a financier who is happy and more than willing to give you guaranteed car finance based on your needs and requirements!

Financiers can be very particular when it comes to accepting an application for funding and the process of getting your applications in can be a challenge in itself! Trust us, we’ve been in the business of helping customers get car financing sorted for a long time and we know that it pays to have a little bit of help – guaranteed car finance can take the stress out of a big decision and be that extra push that lets you drive home the car you’re eyeing!

All you need to do is contact us to help you request guaranteed car finance. Your identification, contact and address details, income and whatever available financial and credit information would be very helpful for us to help you assess the different car financing tools and not only help direct you to the financier who will give you the best car finance deal, but make sure that your car financing plan works for you too!

We will walk you through all the necessary processes and paperwork and you can trust our professional team of consultants to be understanding and patient with whatever your situation may be. We will work passionately to help you get guaranteed car finance and the car that you need!

Business Loans

  • Chattel Mortgage
    What is Chattel Mortgage and how does it work? It isn’t your typical secured loan but it does give you a lot of benefits! Especially since it’s a financing tool meant for businesses, there are lots of tax and the fixed costs known ahead of time, all the benefits that come with it in addition to amazing chattel mortgage rates are sure to be attractive for you! You can find out more about how it works when you purchase a chattel mortgage car with The Smarter Finance Company – you can decide for yourself whether the chattel mortgage interest rates work best for you and your business!
  • Commercial Hire Purchase
    When you’re looking at hire purchase loans to facilitate funding a new car, you should make use of all the hire purchase calculators available on the internet to get the best estimate of how much you’ll be putting into your hire purchase repayments. Or you can get in contact with The Smarter Finance Company and let us help you work out the best hire purchase interest rates across Australia while you sit back and relax! Let us do the leg work and help you get the hire purchase rates that you deserve!
  • Novated Lease
    A novated lease will help you simplify the expenses associated with a new or used car since your car expenses will be settled by your employer as part of your benefits. In this way, the novated lease car can be the easy solution to financing that you’re looking for. Let us draw out the differences between this tool and the many others that we offer you so that you can see how a novated car lease can work for you! Use our novated lease calculator to balance your own payments and the payments that you want to work into your salary and reap the benefits in the long run!

Personal Loans

  • Consumer Car Loans
    A Consumer Loan is a personal finance product where the financier lends the customer funds for the purchase of a vehicle, and secures the loan against that vehicle. A Car Loan is also known as a Secured Car Loan. The customer takes ownership of the vehicle at the time of purchase, and the financier takes an interest in the vehicle as security for the loan. Once the contract is completed, the financier lifts their interest in the vehicle, giving the customer clear title.

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