Car & Motor Bikes Loans

Finance That Gets You Moving

Thinking about buying a new set of wheels or maybe upgrading your ride? Whether it’s your first car or a weekend cruiser or even a reliable motorbike for work or play, we’ll help you find finance that fits your goals and your lifestyle.

At Investors Mortgage, we take the stress out of the process. We compare options from trusted lenders and guide you through the paperwork and just make sure the loan you choose actually works for you. There’s no runaround really, just straightforward advice and support from start to finish.

Frequently Asked Questions

We assist with a wide range of vehicle purchases and loan types including:
- New and used vehicles
- Motorbikes and scooters
- SUVs and utes
- Dealer or private seller purchases
- Loan refinancing
- Low-doc options for self-employed applicants
Secured Car Loan
The most common option where the vehicle secures the loan. These offer lower interest rates than unsecured loans and are available for both new and used vehicles. You own the vehicle from purchase but the lender has security over it until the loan is repaid.
Unsecured Personal Loan
A loan not secured against the vehicle, giving you more flexibility but usually with higher interest rates. Good if you're buying from a private seller of an older vehicle that might not qualify for secured finance, or if you want to own the vehicle outright without lender restrictions.
Dealer Finance
Arranged through the car dealership at the time of purchase. Convenient and often with promotional rates, but not always the most competitive option. Always compare dealer finance against external lenders before committing.
Novated Lease
Available if you're employed, where your employer pays the lease from your pre-tax salary. Can reduce your taxable income and include running costs, but only suitable for employees (not for self-employed or business owners buying personal vehicles).
Vehicle loans typically range from 1 to 7 years:
1-3 years: Higher repayments but less interest paid overall
3-5 years: Most popular, balancing affordability with reasonable interest costs
5-7 years: Lower repayments but significantly more interest over the life of the loan
Your ideal term balances affordable repayments with minimizing total interest. Remember that vehicles depreciate, so avoiding excessively long terms prevents owing more than the vehicle's worth.
Can I get a loan for a second-hand car or motorbike? Yes, that's something we help with all the time. Whether you’re buying through a dealer or directly from someone selling privately we’ll guide you through the steps and make sure the loan matches the vehicle type.
Do I have to put down a deposit? 100% finance is possible, but providing a 10-20% deposit offers advantages.
Can I switch from my current loan to a better one? Yes you can. If there’s a lower rate or a setup that works better for your budget we’ll go over the numbers and help you refinance smoothly without the hassle.

Words From Our Clients

Choosing the Right Loan: Factors to Consider

Interest Rates

Compare interest rates from different lenders to secure the most competitive option, whether it's a fixed rate for consistency or a variable rate for flexibility.

Loan Terms

Assess the loan terms, considering the duration and whether it suits your financial goals. Longer terms may result in lower monthly payments but potentially higher overall interest costs.

Deposit Requirements

Some lenders may require a deposit, so it's essential to factor this into your budget when considering car or motorbike loans.

Credit History

A good credit history enhances your chances of securing favorable loan terms, so ensure your credit report is in good standing before applying and we can provide you guidance.