đź”’Confidential, Safe & Secure.
đź”’Confidential, Safe & Secure.
We've provided loans to new car buyers across all states of Australia
"I was dreading the car loan process, but Autobuddy made it incredibly easy. Their online quiz took less than 2 minutes, and within hours I was connected with Sarah, an amazing finance broker who really knew her stuff. She presented me with four different loan options from various lenders, each with clear explanations of the pros and cons. What impressed me most was how she took the time to understand my budget and goals, then matched me with a loan that had a lower interest rate than I expected. The whole process from start to approval took just three days. I saved over $2,000 compared to my bank's initial offer. Their service is fast, professional, and genuinely helpful."
"I was completely overwhelmed by all the different car loan options out there. Every bank seemed to offer something different, and I couldn't figure out which one was right for me. Autobuddy changed everything. After filling out their simple online form, I was connected with James, a knowledgeable finance broker who took the time to break down each option in plain English. He helped me understand the difference between secured and unsecured loans, fixed versus variable rates, and how loan terms would affect my monthly budget. Thanks to his clear explanations, I finally felt confident about my decision. I'm happy to proceed with the loan he recommended, and now we're in the process of getting my loan approved.”
"What started as just looking for a car loan turned into the best car-buying experience I've ever had. Autobuddy's team made it an easy process and quick – no endless paperwork or waiting around. My broker Lisa not only found me multiple competitive loan options but also helped me locate the exact make and model I wanted at three different dealerships. They got me the best price on everything, comparing both financing rates and vehicle prices to ensure I got maximum value.”
Usually. Lenders don't all read a credit file the same way. The big banks tend to knock back anyone with a default or a missed payment in the last couple of years. Plenty of other lenders on the panel expect to see that and price for it instead. The rate will be higher than someone with a clean file, but the answer is often still yes. Your broker knows which lenders will actually look at your file, so you don't burn enquiries applying to the wrong ones.
Nobody can tell you that honestly until they've seen your details. Car loan rates in Australia run from about 6% up to the high teens, and where you land depends on your credit history, your income, how old the car is, the loan term and which lender you go with. Two people buying the same car on the same day can get rates five points apart. That's normal. Once your broker has your information, you'll get actual offers with actual numbers rather than a headline rate you'll never qualify for.
You fill in the form on this site. The first step takes about 30 seconds. We pass your details to a licensed broker from our network, who calls you, asks a few questions and gets a proper picture of what you're after. They then take that to the lender panel and come back with options. You pick one, the broker handles the paperwork, and the lender pays the money out. AutoBuddy is the front door. The broker does the work.
Most people never find out, because they only ever see one offer. A dealership finance manager typically has an agreement with one lender and gets a cut for placing your loan there. They can also mark up the rate above what the lender set. You have no way of knowing what else was available. A broker works the other way round. They put your application in front of a panel of over 40 lenders and show you what comes back. You're comparing offers against each other instead of taking someone's word for it.
Filling in our form doesn't touch your credit file. Neither does the broker's initial assessment. A credit enquiry gets recorded when a formal application goes to a lender, and your broker will tell you before that happens. This matters more than people think. Every enquiry sits on your file for five years, and a run of them in a short window makes you look desperate to lenders. Going through a broker means one well placed application instead of six hopeful ones.
Within a couple of hours if you apply during business hours. Apply at night or on the weekend and you'll hear from them the next business morning. You'll get a text first so you know who's calling. If you'd rather a particular time, say so in the form and they'll work around it.
AutoBuddy doesn't charge you anything. The broker is paid by the lender when your loan settles. The loan itself may have fees, and this is where people get caught. Establishment fees, monthly account fees, and early payout fees vary a lot between lenders and can add thousands over the life of a loan. Your broker will go through every fee before you sign, and the comparison rate on any offer includes them, which is why it's the number worth looking at rather than the headline rate.
Depends on the lender and how quickly you send back your documents. Some lenders settle within 24 to 48 hours of approval. Most take a few business days. The slow part is nearly always paperwork on the customer's side, so have your driver's licence, recent payslips and 90 days of bank statements ready before the broker calls and the whole thing moves a lot faster.
Yes, and it's one of the smartest things you can do. Walking in with finance already sorted changes the conversation. The dealer can't lean on finance to make up margin, so they have to compete on the price of the car instead. You also know your budget before you fall in love with something you can't afford. Pre approval through a broker is usually valid for 60 to 90 days, so you've got time to shop around.
Yes, and a lot of people don't realise this is an option. If you took dealer finance, there's a good chance your rate is higher than it needs to be, especially if your credit score has improved since you signed. Refinancing means a new lender pays out your existing loan and you pay them instead, usually at a better rate. Whether it's worth it depends on your current rate, how long is left on the loan, and any early payout fee. Your broker will run the numbers and tell you straight if it doesn't stack up.
Take our 60 second quiz to find out if you can be pre-approved. No paperwork, no spam calls and no hit to your credit score. One of our licensed and trusted partner brokers will work with a panel of 40+ lenders to fight for you, and get you the best deal based on your situation. A much better and cheaper option that dealer finance.
