Car Finance
The first Step Towards Your New Car
Get matched to the best loan deal in minutes
New or Used
If you are looking at a new or second-hand car get pre-approved or have your finance ready within 24 hours to drive away.
From a dealer or private
Yes! We assist with private sales as well as dealer-sold vehicles.
Get matched to the right loan in minutes. Be pre-approved within a few hours. Drive away in less than a day!
This won’t affect your credit score
Easy Steps
Step 1: Match
Our human experts (not a computer) match you to the best lenders based on your circumstances. You choose your preferred lender knowing the rates and fees.
Step 2: Assess
Our humans complete an assessment which checks against the lenders policy without affecting your credit score.
Step 3: Drive
Once approved and your loan documents are complete, you get to drive away.
One lender? No. 20+ to choose from
We do the hard work for you to ensure that the loan you are choosing fits with your circumstances. It is never a one size fits all. We know the 1000’s of lender policies back to front and understand how to match you to the right loan.
Got questions? We have the answers
How do I apply for a loan through Step Finance?
Getting started is easy. Just complete our online assessment and we will provide you options within a few hours! You can also call us and have one of our expert car finance specialists complete the assessment over the phone. Once approved, the funds can be available on the same day!
Can I buy a second-hand car?
Yes. Whether a private or dealer sale you can secure a loan for a second hand car. There are some rules that apply such as age and kilometres.
How much can I borrow?
There are a lot of factors that apply to the borrowing limit for an individual. How much you earn, your assets, credit score, your current expenses are just a few. We will tell you quickly your borrowing limit
Does this affect my credit score?
We do a lot of work in the background prior to submitting to any lenders to ensure we protect your credit score. We don’t apply unless we are confident you will be approved.
What repayment options are available?
Most of our lenders will let you choose your repayment options. You can choose a 3, 5 or even a 7 year term. Lenders also let you pay weekly, fortnightly and monthly.