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Finance
Turbocharged

30+ Leading Lenders
1️⃣ Easy Application.

Carmada Unlocks
Savings FOR YOU with
‍Smarter finance

Carmada Unlocks Savings FOR YOU with Smarter Finance

Get the BEST loan terms for YOU
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Finance with Carmada
Here are some of our benefits

ASSET finance. BUT better.

Access all of our partners through a single application process. With over 30 lenders, your best personal and business finance rates are just a click away.

1️⃣ easy application

Online or over the phone. Quick approval & settlement.

no impact

Soft credit checks that don’t affect your score.

30+ Lenders

Get the best deal using our proven network.

personalised matches

Tailored loan options. We find the best loans for you.

expert support

Dedicated support team. Get expert help when you need it.

business & fleet

Flexible finance solutions for all business sizes.

no hidden fees

Transparent terms. What you see is what you get.

we plant trees

We plant 15 trees for every loan. Drive green, make a difference.
Hit the button and  save big 🚀  
What Others Say About Us

CUSTOMER LOVE

See why more people are turning to Carmada for a smarter, easier car-buying journey.

Christine E.    ⭐️⭐️⭐️⭐️⭐️

Thank you Carmada - I hate negotiating! They listened to my needs, gave me great advice then secured the car way, way cheaper than I could have got from the dealer.

Alec R.    ⭐️⭐️⭐️⭐️⭐️

These guys are amazing. They saved us thousands and we did not need to have any awkward conversations with salespeople. I highly recommend.

Annette R.    ⭐️⭐️⭐️⭐️⭐️

This is so great!! I loved not having to deal with pushy salespeople. Carmada saved me lots of stress, time and money! I’d definitely recommend this service. We'll be back.

Dori F.    ⭐️⭐️⭐️⭐️⭐️

Thanks so much Carmada for taking the hassle out of acquiring a new car. They went about getting me a very good deal and the team was friendly, courteous and professional. I was updated daily on the progress and they shared a lot of info about my car 🚗 which was extremely helpful. I really would recommend Carmada to anyone who is thinking of purchasing a vehicle.

Hit the button and  save big 🚀  

Understanding Your Finance Options

At Carmada, we believe in making finance easy and transparent.

Whether you're looking for personal or business loans, we’ve got you covered with clear explanations of all your options.
Learn more
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It's so easy.

Effortless Car Financing, Just for You

Sick of jumping through hoops just to get a car loan? With Carmada, we’ve taken all the effort out of the equation. Here’s how we make it a breeze for you.
Simplified Application Process
Apply online or over the phone in just minutes.
Personalised Loan Matching
Get matched with the best loan options tailored to your needs.
Expert Support at Every Step
Get expert assistance from start to finish.
Dreading the paperwork and hoops to jump through? With Carmada, it’s a smooth, easy ride from application to approval.
Get Started Now
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It's fast, too.

Quick and Convenient

Time is money, and we don’t want to waste either of yours. That’s why we have developed our product around lightning-fast outcomes.
Rapid Loan Approvals
Our experts can help get your car loan approved fast - in as little as 24 hours.^
Constant Communication
Our team keeps you updated throughout the process, so you're never in the dark.
Hassle-Free Settlements
We've simplified the process to make it as smooth as possible.
Worried about wasting time? Our streamlined process ensures you get your loan swiftly, so you can spend less time waiting and more time driving.
Apply Now
Why Others Trust Us

Trust and Transparency, Always

Trust is earned, not just given. And we’re here to earn yours by being 100% transparent and reliable, every step of the way.
No Hidden Fees
Transparency is our promise. What you see is what you get.
Proven Network of Lenders
With over 30 leading financial institutions, we find the best deals for you.
Sustainability Commitment
For every loan, we plant 15 trees to offset emissions. Drive green, make a difference.
Skeptical about car financing? Our partners have got a proven track record of satisfied customers and zero hidden fees – trust is built into our DNA.
Join Us Today
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Finance doesn’t have to be complicated.

Better Loans, Less Hassle

At Carmada, we make it easy for you to secure better loans with minimal effort.
Our mission is to explain things clearly, so you are fully armed to make the best decision for you.

Whether you’re looking for personal or business financing, we’ve got you covered.

Below are just some of the most popular finance products we can help you with.
Personal
Business
View All
Personal Car Loan
Personal & Consumer
A secured loan where the car itself serves as collateral. These loans usually come with fixed interest rates and repayment periods, offering lower interest rates due to the secured nature of the loan.

Pros: Potential to improve credit score with timely payments.

Cons: Risk of vehicle repossession if repayments are not made; generally involves longer commitment periods.
Personal Lease
Personal & Consumer
Consumers pay a fixed monthly fee to use the car without owning it, retaining the option to purchase the car at lease end or return it. This arrangement often includes limitations on mileage and vehicle condition.

Pros: Lower monthly payments and the flexibility to upgrade to a new car at the end of the lease.

Cons: No equity in the car; potential extra charges for excessive wear and tear.
Peer-to-Peer Loan
Personal & Consumer
A modern take on lending where individuals borrow from others via a peer-to-peer platform, bypassing traditional financial institutions.

Pros: Often lower rates for those with good credit; more personalised lending terms.

Cons: Riskier for both lenders and borrowers; potentially higher rates for those with poor credit.
Credit Card Purchase
Personal & Consumer
Using a credit card to purchase a vehicle, which may be feasible for cheaper cars or down payments, often to earn rewards.

Pros: Immediate acquisition; potential rewards from credit card use.

Cons: Very high interest rates if not paid off promptly; credit limits may be restrictive.
Novated Lease
Personal & Consumer
This is a tripartite lease agreement involving an employee, employer, and financier where the employer makes lease payments on behalf of the employee, deducted from their pre-tax salary.

Pros: Tax-efficient; potentially lowers taxable income.

Cons: Dependency on continued employment; the employee must take over payments if employment ends.
Balloon Payment Financing
Personal & Consumer
Business & Commercial
A loan that allows significantly lower monthly payments throughout its term, with a large final 'balloon' payment due at the end of the term.

Pros: Reduces monthly outgoings, enhancing cash flow.

Cons: The large final payment can be a significant financial burden.
Savings or Cash Purchase
Personal & Consumer
Business & Commercial
Using available funds to purchase a vehicle outright, avoiding any interest or financing costs.

Pros: No debt or interest payments; potential for price negotiation.

Cons: Significant amount of cash required upfront; reduces liquidity.
Balloon Payment Financing
Personal & Consumer
Business & Commercial
A loan that allows significantly lower monthly payments throughout its term, with a large final 'balloon' payment due at the end of the term.

Pros: Reduces monthly outgoings, enhancing cash flow.

Cons: The large final payment can be a significant financial burden.
Savings or Cash Purchase
Personal & Consumer
Business & Commercial
Using available funds to purchase a vehicle outright, avoiding any interest or financing costs.

Pros: No debt or interest payments; potential for price negotiation.

Cons: Significant amount of cash required upfront; reduces liquidity.
Commercial Hire Purchase
Business & Commercial
A business arrangement where the company makes payments towards the vehicle until the final payment, after which ownership transfers from the financier to the business.

Pros: Spreads out the cost of the vehicle; tax deductions available for interest and depreciation.

Cons: More expensive over the long term; the vehicle is not an asset on books until fully paid off.
Finance Lease
Business & Commercial
A finance lease allows a business to use the vehicle while the financier retains ownership. Lease payments are tax-deductible, and the agreement offers flexible end-term options.

Pros: Helps manage cash flow and tax planning for businesses.

Cons: No equity built in the vehicle; obligated to fulfil the lease term.
Chattel Mortgage
Business & Commercial
Similar to a personal car loan but for businesses, where the business owns the vehicle and the lender takes a mortgage over it until fully paid.

Pros: Immediate ownership and possible tax advantages.

Cons: Requires up-front payment; potentially higher interest rates.
Operating Lease
Business & Commercial
A rental agreement allowing businesses to use vehicles for shorter periods without the intention to purchase, keeping the leasing costs off the balance sheet.

Pros: No risk of depreciation; offers flexibility for changing business needs.

Cons: No option to own the vehicle; could incur fees for early termination.
Personal Car Loan
Personal & Consumer
A secured loan where the car itself serves as collateral. These loans usually come with fixed interest rates and repayment periods, offering lower interest rates due to the secured nature of the loan.

Pros: Potential to improve credit score with timely payments.

Cons: Risk of vehicle repossession if repayments are not made; generally involves longer commitment periods.
Personal Lease
Personal & Consumer
Consumers pay a fixed monthly fee to use the car without owning it, retaining the option to purchase the car at lease end or return it. This arrangement often includes limitations on mileage and vehicle condition.

Pros: Lower monthly payments and the flexibility to upgrade to a new car at the end of the lease.

Cons: No equity in the car; potential extra charges for excessive wear and tear.
Peer-to-Peer Loan
Personal & Consumer
A modern take on lending where individuals borrow from others via a peer-to-peer platform, bypassing traditional financial institutions.

Pros: Often lower rates for those with good credit; more personalised lending terms.

Cons: Riskier for both lenders and borrowers; potentially higher rates for those with poor credit.
Credit Card Purchase
Personal & Consumer
Using a credit card to purchase a vehicle, which may be feasible for cheaper cars or down payments, often to earn rewards.

Pros: Immediate acquisition; potential rewards from credit card use.

Cons: Very high interest rates if not paid off promptly; credit limits may be restrictive.
Novated Lease
Personal & Consumer
This is a tripartite lease agreement involving an employee, employer, and financier where the employer makes lease payments on behalf of the employee, deducted from their pre-tax salary.

Pros: Tax-efficient; potentially lowers taxable income.

Cons: Dependency on continued employment; the employee must take over payments if employment ends.
Balloon Payment Financing
Personal & Consumer
Business & Commercial
A loan that allows significantly lower monthly payments throughout its term, with a large final 'balloon' payment due at the end of the term.

Pros: Reduces monthly outgoings, enhancing cash flow.

Cons: The large final payment can be a significant financial burden.
Savings or Cash Purchase
Personal & Consumer
Business & Commercial
Using available funds to purchase a vehicle outright, avoiding any interest or financing costs.

Pros: No debt or interest payments; potential for price negotiation.

Cons: Significant amount of cash required upfront; reduces liquidity.
Commercial Hire Purchase
Business & Commercial
A business arrangement where the company makes payments towards the vehicle until the final payment, after which ownership transfers from the financier to the business.

Pros: Spreads out the cost of the vehicle; tax deductions available for interest and depreciation.

Cons: More expensive over the long term; the vehicle is not an asset on books until fully paid off.
Finance Lease
Business & Commercial
A finance lease allows a business to use the vehicle while the financier retains ownership. Lease payments are tax-deductible, and the agreement offers flexible end-term options.

Pros: Helps manage cash flow and tax planning for businesses.

Cons: No equity built in the vehicle; obligated to fulfil the lease term.
Chattel Mortgage
Business & Commercial
Similar to a personal car loan but for businesses, where the business owns the vehicle and the lender takes a mortgage over it until fully paid.

Pros: Immediate ownership and possible tax advantages.

Cons: Requires up-front payment; potentially higher interest rates.
Operating Lease
Business & Commercial
A rental agreement allowing businesses to use vehicles for shorter periods without the intention to purchase, keeping the leasing costs off the balance sheet.

Pros: No risk of depreciation; offers flexibility for changing business needs.

Cons: No option to own the vehicle; could incur fees for early termination.
Explore your options  🚀  
Why choose Carmada

Discover the Carmada Advantage

Unlock a world of exclusive benefits designed to make car financing and buying simpler, faster, and more affordable.
Extensive Finance Options
Vast Lender Network & Versatile Asset Finance
Access 30+ top lenders and finance a range of assets including cars, caravans, motorbikes, boats, and more. Our broad network ensures you get the best deals tailored to your needs.
Personalised Expert Assistance
Expert Loan Assistance & Seamless Application Process
‍Our team of finance experts guides you through 1000+ financial products, offering easy online applications and hassle-free, impact-free credit checks. We ensure swift approvals and smooth settlements, making the entire process effortless.
Best Prices & Exclusive Savings
Price Smash Guarantee & Accessory Discounts
We guarantee the best prices on new cars and offer great deals on car accessories. Our brokerage services ensure you get the best value from over 1500+ dealers across Australia, saving you both time and money.

Carmada FINANCE

Drive Smarter
Some of our most popular benefits.
INCLUDED
FEATURES
Our finance armoury give you access to:
Finance Features
Vast Lender Network: Connect with 30+ top lenders for the best deals.
Expert Loan Assistance: Expert help to choose from 1000+ financial products.
Comprehensive Car Finance: Secure loans for new, used, and refinancing options.
Versatile Asset Finance: Finance for caravans, motorbikes, boats, and more.
Business & Tradie Finance: Loans for businesses and tradies, including fleets.
Novated Leasing: Save on taxes with novated lease options.
Seamless Application: Easy finance applications online or by phone.
Impact-Free Credit Checks: Credit checks with no impact on your score.
Swift Approval Process: Fast approvals with efficient lender submissions.
Hassle-Free Settlement: Smooth settlements with direct seller payments.
Competitive Rates: Enjoy competitive rates across all loans.
Insurance Savings: Save on insurance with exclusive discounts.
Brokerage Benefits
Accessory Discounts: Great deals on car accessories and installation.
Brokerage Services: Stress-free car buying with our expert brokerage services.
Price Smash Guarantee: We guarantee the best prices on new cars.
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Transform your next car purchase

Frequently Asked Questions

Straight Talk: Your Carmada Finance Queries Answered.

What makes Carmada Finance different?

At Carmada, we offer access to more than finance; we offer peace of mind.

We’ve partnered with leading finance aggregators CarVroom and CarClarity to bring you a vast network of over 30 lenders. This means the heavy lifting is done for you to find you the best deals, tailored specifically to your needs, without the hidden fees or pushy sales tactics.

It's about giving you more options, more savings, and more convenience​.

How fast can I get approved for a loan with Carmada?

Lightning fast! With our streamlined process, you could get approved in as little as 24 hours.

No more waiting around – our system helps handle all the paperwork and submissions to ensure you can drive away in your new car ASAP​.

Can I refinance my current car loan with Carmada?

Absolutely! Refinancing your existing car loan through our connected lender network can help you secure a better rate and more favourable terms.

One of our selected brokers will work with you to assess your current loan and find a refinancing option that saves you money.

What types of vehicles can I finance through Carmada?

Carmada offers access to financing for a wide range of vehicles, including:

‍New and Used Cars: Flexible loans for both new and pre-owned vehicles.
‍
‍Electric Vehicles: Specialised finance options for eco-friendly electric cars.
‍
‍Motorbikes, Boats, and Caravans: Tailored loans to suit your adventurous lifestyle​.

Can I finance a car for business use through Carmada?

Yes! We have access to comprehensive business finance solutions including commercial vehicle loans, equipment finance, and fleet management options.

Whether you’re a small business owner or managing a large fleet, we’ll connect you with the perfect finance solution to support your growth​.

Is there a minimum credit score required to apply for a loan?

We believe everyone deserves a chance to drive their dream car. That’s why we work with a broad network of lenders who cater to a wide range of credit profiles.

Whether you have excellent credit or are looking to rebuild, our partners will work to find a loan option that works for you​.

How do I apply for finance with Carmada?

It's simple! Just fill out our easy online application, and we'll take it from there.

Our selected broker will perform a soft credit check that doesn’t impact your score and match you with the best loan options.

They will also help to handle the paperwork, so you can focus on choosing your new car​.

What happens after my loan is approved?

Once your loan is approved, one of our connected brokers will handle the settlement process.

This means the lender typically pays the seller directly, ensuring a smooth transaction. You can then pick up your new vehicle and drive away without any hassle​.

What support does Carmada offer after I get my loan?

We’re with you every step of the way. From the initial application to post-purchase support, our team and our broker partners are here to help.

Whether you have questions about your loan, need advice on your next purchase, or want to explore refinancing options, help is just a call or click away.​

Can I trade in my current car with Carmada?

Yes, you can! We’ll get you a great trade-in value through our extensive network.

This can be applied directly to your new car purchase, making the process even smoother and more affordable​.

How does Carmada contribute to sustainability?

We believe in driving forward sustainably. For every car sold, we plant up to 30 trees.

This means you can enjoy your new car knowing you’re making a positive impact on the environment.

Drive green with Carmada – no EV required​.

How do I get started with Carmada Finance?

It’s super easy. Spend 60 seconds filling out a Turbo Application and we will get started for you.

Alternatively you can contact us here and reach out to our team by phone, email, or schedule a meeting. We’ll guide you through every step and get you behind the wheel in no time.
‍
‍You can also connect, follow and send us messages on Facebook, Instagram, Twitter and LinkedIn.

Drive your dream car with confidence. Carmada is your ticket to a hassle-free finance experience.

Hit the button and  save big 🚀  

UNLEASH THE DRAGONS.

Why Settle? Get smarter finance Today!
see what we did there.

Save Big on finance

Join Carmada and Drive Smarter

Low rates, fast approval, and a limited-time $100 fuel card await.

Hit the button and start your journey with Carmada.