Fast approval and settlement

Car Loans

We have a large panel of lenders who specialise in vehicle finance. This enables us to tailor a solution to suit your needs. Whether it is a Chattel Mortgage, Hire Purchase, Lease or Novated Lease we will be able to find you competitive repayments.

  • Chattel Mortgage
  • Hire Purchase
  • Lease
  • Novated Lease
  • Personal Loan

Are you buying a vehicle for your business? Ask us about our low document options for self-employed clients, getting a new vehicle has never been easier – no financials required just need the ABN to be registered for 2 years.

Personal Loans 

We’ll do the shopping around for you plus the turnaround is quick so you can get the funds as soon as you need them.

Home Improvements

Car/Personal Loans Process:

  1. Contact ZEP Finance
  2. We will have a brief discussion on your objective and what you are looking for
  3. We will provide you with quotes
  4. You decide to proceed and we request supporting documents from you and signatures on the application form
  5. Lender approves the loan (usually within 24 hours)
  6. You must sign the loan contracts
  7. Lenders settles the loan and funds are provided

What information is needed for us to give you a car quote

  1. Car price
  2. Model and age of the vehicle (New/Used/ Demo)
  3. Dealer or private sale (private sale can increase the interest rate)
  4. Are you buying for personal use or business use?
  5. Are you a home owner?
  6. What loan term are you looking for? If you are unsure have you got a monthly/weekly repayment in mind

Consolidate debt (credit cards, store cards etc)
Large equipment purchases (lawn mowers, trailers etc)



When comparing car loans DO NOT focus on the rate as this can be misleading. Compare the exact terms and monthly repayment.


Car Loans With ZEP Finance

Mortgage Brokers Lennox Head | Home, Land, Investment Loans Byron Bay, Ballina, Northern Rivers & Lismore