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Frequently Asked Questions

Our FAQs section covers the application process, eligibility, loan types, and more. We aim to clarify your uncertainties about interest rates and loan terms. For more specific inquiries or detailed guidance on financing options, feel free to reach out!
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Frequently Asked Questions (FAQ)

How do I apply?
  • Fill in our two-step online quote form or call 1800 147 336. A broker then talks through your situation, compares 40+ lenders and sends your options. If you choose one, we lodge the application, you sign electronically and the lender pays the seller. Getting a quote has no impact on your credit score, and a credit enquiry is only listed if you go ahead with a formal application.
How much can I borrow?
  • Loans start from about $5,000, and business vehicle and equipment finance can go to $500,000 or more. The amount depends on the lender, your income and expenses, your credit history and what you are buying. We arrange finance for cars, utes, vans, caravans and boats as well as business vehicles and equipment. Tell us what you are buying and we will check which lenders suit the amount.
Do I qualify for car finance?
  • It depends on your income, living costs, credit history, employment and the car, and each lender weighs these differently. Employees, FIFO workers, self-employed buyers and business owners are all considered by lenders on our panel. Tell us your situation and we compare 40+ lenders to find those most likely to suit you. Approval is always subject to lender criteria and we can't promise it.
What documents do I need to apply for car finance?
  • Usually photo ID, such as a driver licence, proof of income such as recent payslips, and the details of the car. If you have an ABN and the vehicle is mainly for business use, you may be able to use a low doc loan: ID and your self-declared income, with no full financials or tax returns needed. If you can supply BAS or business bank statements, lite doc options open up as well.
Can I get a car loan with bad credit?
  • Often, yes. Past defaults or a low credit score narrow the choice of lenders but don't rule you out, because some lenders specialise in them. A deposit can help. We will tell you plainly what is realistic before any application goes in. We can't promise approval, which is always subject to lender criteria.
Can I finance a used car or buy from a private seller?
  • Yes. We arrange loans for new and used cars bought from a dealer, at auction or from a private seller. For private sales we run a PPSR check at no cost to you, and the lender pays the seller directly. Age and kilometre limits vary by lender, so tell us the car and we will find lenders that accept it. See our used car loans and private sale car loans pages.
Can I get a car loan for my business vehicle?
  • Yes. If you have an ABN and use the vehicle mainly for business, it is usually a chattel mortgage, and utes, vans, trucks and equipment can be financed too. New ABN holders and low doc applicants are considered by some lenders. We explain any fees before you go ahead. For vehicles and equipment, see our commercial car loans and equipment finance pages.
How long does it take to get approved for car finance?
  • Many straightforward applications get a lender decision within a day or two, and some lenders decide within hours. How long yours takes depends on the lender, how complete your documents are and the car. We can't promise an approval or a timeframe, and approval is always subject to lender criteria. Having ID, income documents and the car details ready speeds things up.
How is my interest rate determined?
  • Each lender sets the rate from your credit history, income, employment, the loan amount and term, and the age and type of vehicle. Rates differ between lenders, which is why we compare 40+ of them. We can't give a rate before we know your situation. Our written options show your repayments and any fees, so you can compare them side by side.
What does it cost to use Greenside Finance?
  • Getting a quote is free. If your loan goes ahead, the lender usually pays us a commission, and we may also charge a brokerage (origination) fee. Any fee is only charged if your loan settles. It is added to your loan amount, so it forms part of your repayments, and it is never paid upfront. We'll explain any fees before you go ahead, and for personal loans we confirm our fees and commissions in writing before you apply. Our credit guide explains how our fees and commissions work.
Can I pay off my loan early?
  • Usually yes, but the rules differ between lenders and loans. Some loans carry an early repayment fee or break cost, and some have a set payout figure. If you might sell or upgrade early, tell us and we will choose a lender with that in mind. Before you pay out, ask the lender for a written payout figure.
What is the difference between a secured and unsecured car loan?
  • A secured car loan uses the car as security for the lender. An unsecured loan has no security, so the lender relies on your credit and income alone. Most car loans are secured. Secured loans often carry lower rates, but the rate depends on the lender and your profile. We can compare both where it makes sense for you.

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We're dedicated to your growth, providing expert loan solutions across Australia to support your financial progress and help you achieve your goals.
Address: Unit 5/531 Hay St, Subiaco WA 6008
Phone: 1800 147 336

Greenside Finance (ABN 76 678 053 122) is an Authorised Credit Representative (#561052) of Fintelligence Pty Ltd (ABN 80 625 017 174), who holds Australian Credit Licence (#511803).

Complaints: contact our Complaints Officer on 1800 147 336 or at [email protected]. If we can't resolve your complaint, you can contact the Australian Financial Complaints Authority (AFCA), a free, independent service, on 1800 931 678 or at afca.org.au. Greenside Finance is an AFCA member (member number 108475).