Car Loans and Asset Finance – Fast Solutions

Unlike going directly to a bank or the dealer, we compare multiple lenders and tailor a solution to suit you.

With over 30 years’ experience, we specialise in both straightforward and more complex scenarios — often finding solutions where others can’t.

As mortgage and Car & Asset brokers we can review your options (including your credit file) without leaving multiple enquiry marks that may impact your score, so you can explore what’s possible with confidence.

With strong reviews, real client results, and conveyancing support in Victoria, we’re here to guide you from start to finish whether it is for a home loan, car loan, asset finance or conveyancing..

Read our Reviews and Case Studies to know more

Poor credit generally refers to your overall credit history, including missed repayments, defaults or high levels of debt.

Your credit score is a number that reflects this history at a point in time. While your credit score is important, lenders also look at the bigger picture — including your income, expenses and ability to repay.

This means some borrowers may still be eligible for a loan if their credit score is lower. Lenders have different criteria, it about knowing who will help with a bad credit score and also who will help with bad credit like defaults and arrears. For personal and car loans defaults and arrears are pretty difficult and options are very limited.  However our team are experienced and happy to do our best.

WhiteStar Reviews

If you’re self-employed and having trouble proving your income, it’s still worth exploring your options  with a broker before applying. Many lenders assess income differently, and some offer alternative income options with more flexible documentation requirements.

Rather than applying directly and risking a decline, it’s best to speak with a broker first. At WhiteStar, we’ll guide you on what paperwork may be accepted by different lenders and help you understand your options before you apply.  If you are about to lodge your tax returns, it can be a good idea to wait and speak to a broker before they are lodged. 

What’s the difference between dealership finance and using a broker?

Dealership finance is convenient, but often limited to one lender or a small panel.

A broker compares multiple lenders to find a loan that suits your situation.

Be mindful — low or 0% interest offers can sound appealing, but the cost is often built into the car price.

That’s why it’s important to focus on:

• Total repayments
• Fees
• Loan term

—not just the interest rate.

A broker can provide more options, greater flexibility, and tailored solutions based on your needs.

Chat with our team to see what’s possible — you decide what’s right for you.

A low credit score can affect your options, however we work with a wide range of lenders — and some can assist applicants with low or poor credit.

There are a few key factors that will influence what options may be available, including:

• Your actual credit score
• Whether there are any defaults
• How many defaults there are and their value
• Whether those defaults have been paid
• Reasons and other financial information

All of these details help shape the options our brokers can explore for you.

The good news is — there are often more solutions than people expect. It just comes down to understanding your situation and matching it with the right lender.

Chat with our team to find out what’s possible — we’ll guide you through your options so you can decide what’s right for you.

If a car is older — typically 6 years or more — it can be harder to secure a car loan using the vehicle as security.

The older the asset, the more it may impact both lender choice and the interest rate on a secured car loan.

That said, our team is very experienced in finding solutions. We regularly help clients with both secured and unsecured options for older vehicles.

Chat with our team to explore what’s possible — we’ll show you the options, and you can decide what’s right for you.

Yes — refinancing or consolidating can reduce repayments by securing a lower rate, restructuring your loan by extending the term, or just consolidating debts.

We help clients with this every day and have many case studies where repayments have reduced significantly.

Read a Case Study Here

Asset finance helps you purchase business equipment, vehicles, or machinery without paying the full cost upfront.

You spread the cost over time while using the asset to generate income.

Of course, we’re brokers — and while dealership finance can vary, it’s usually quick and convenient with limited lender options.

Some deals offer low or 0% interest, but this is often built into the car price — meaning you’re likely paying more overall.

What really matters:

• Total repayments
• Fees
• Loan term

A broker compares multiple lenders to help ensure you’re not overpaying.

Chat with our team to see what’s possible — you decide what’s right for you.

Read our Blog – Lets Make Finance the Easy Part

It can be much harder to get a car loan with bad credit, and options are usually limited to a smaller group of lenders — but it is still possible.

Your options will depend on your credit score, any defaults (and whether they’ve been paid), as well as your income, expenses, and timing.

Lenders also look closely at your spending habits, so it’s important to avoid things like payday loans and review your bank statements for issues such as overdrawn fees, bounced payments, or dishonours, as these can impact approval.

Chat with our team to see what’s possible — we’ll guide you through your options so you can decide what’s right for you.