1800 855 516
Australian Vehicle finance brokers · afsl 517192
You're Going To Get Beaten Twice
On The Price Of The Car, Then Again On The Loan
We go after both. We source the vehicle through our national dealer network, then price the finance across 70+ lenders separately. One call, two numbers, and you see both before you commit to anything.
Conditional approval is subject to lender criteria and further verification including identity, income, and vehicle details. Timeframes vary by lender and application complexity. Novara Finance is a broker, not a lender. AFSL 517192.
24hr
Pre-Approval Turnaround
70+
Lenders on Our Panel
50+
Combined Experience
Dear Customer,
Here is the part nobody tells you.
You're not in one negotiation when you buy a car. You're in two
The first one is the price. You'll do that on a Saturday, tired, against a bloke who does it forty times a week and knows exactly how long you've been in the building.
The second one happens in the little office at the back, and by then you've stopped negotiating altogether. You've been there three hours.You just want the keys.
That's where it costs you. So we take both fights OFF you.
Tell us the car or ute you want. We source it Australia-wide through our dealer network, at buying terms a walk-in customer is never offered. Up to 10% under what you'd pay standing on the showroom floor yourself.
Then, separately, we put your finance in front of 70+ lenders and let them compete for it. Not one desk with one financier. Seventy-plus. And on the vehicles we source, you're looking at up to 7 years warranty, 5 years scheduled servicing and roadside assist. Included on eligible vehicles only.
One call. Two savings. And you never set a foot on a dealership arguing about floor mats
REAL STORY - "REAL NUMBERS"
$5000. Same Car, same term, different lender
Besmillah had a 2016 Hilux locked in at a Sydney dealership. $38,000 drive away. The finance desk gave him a rate over five years and told him it was the sharpest they could do. He had the pen in his hand.
He rang us instead. We placed the same car, same term, with a lender on our panel that dealership doesn't write for. His repayment came down about $84 a month. Across the five years, roughly $5,000 that stays in his account.
Besmillah K
Manager | NSW
Saved $5000
Keys in 48 hours, around a FIFO roster.
Brock does long swings. He had a handful of days on the ground and no intention of spending them ringing lenders between naps. Every day the process dragged was a day of his break gone.
NO application. One set of documents. One broker. 48 hrs later he was driving it, on a better number than any of the quotes he'd chased himself.
Brock Murray
FIFO Worker | WA
Saved $4300
Two knock-backs, then $40,000 approved.
Viniana had been turned away twice. Not because she couldn't afford it. Because her employment structure didn't fit the boxes on a bank's form, and nobody had bothered to look past that. We put her file in front of a lender on our panel who assesses that kind of income properly. Approved at $40,000. She picked up her BT-50 that week.
Viniana
Disability Worker| Cairns
Got Approved $40K
Individual example. Rates reflect this client's circumstances and are not guaranteed. Your rate depends on your credit profile, vehicle, and lender.
All lending subject to lender criteria and approval.
Please read this before you apply !
This is a good fit if you
You are ready to move now...
You've got income coming in...
You're an AU citizen, permanent resident, or on an eligible work or partner visa...
You'd rather somebody else lost the Saturday at the dealership..
You want the real numbers, even when they're not the ones you were hoping for...
This is NOT a good fit if you:
On a bridging or temporary visa...
Are not planning to purchase anytime soon...
Are looking to compare multiple lenders(may affect your credit score)...
You want a guarantee without understanding your financial health...
Have unpaid defaults or arrears you have not dealt with...
Tell Us what car you want!
trusted by 1,000+ Australians
For the Loan When they needed the most
I loved working with Novara Finance they helped us secure our very first car loan, guided us through every step with a dedicated account manager, answered all our questions, and genuinely cared about finding the right funding option for our needs.
Fantastic experience with Novara Finance they helped us refinance our car loan with zero hassle, competitive rates close to bank offerings, a much faster turnaround, and outstanding support throughout; special thanks to Ryan for his patience, availability, and delivering exactly what was promised.
I’m thrilled with the results of my vehicle loan with Novara Finance.Steven took the time to understand my needs, structured a loan that worked for me, offered competitive rates with clear and transparent terms, made the application simple, and even helped us access the loan earlier than expected.
We're not trying to be the biggest broker in Australia. We're trying to be the one you actually trust. You call us, a real person picks up. You ask a question, you get a straight answer. That's it. No script, no runaround.
Stephen Harvey, CEO & Head Broker
Novara Finance
WHat you get in 3 Simple Steps...
Step 1
UP TO 10% OFF
We source new vehicles at prices most buyers can't access on their own.
Step 2
UP TO 7 YRs WARRANTY + ROAD ASSIST
Every vehicle we source comes with extended cover. Not an upsell.
Step 3
5 YEARS FREE SERVICING
Scheduled servicing covered. One less bill to budget for.
We work for you. not the banks!
Ready to Get
Novara Finance Loan Support?
Soft Credit enquiry to start.
No application, 70+ lenders.
A conditional decision inside 24 hours.
We source the vehicle too.
Easy Appliation Process.
Frequently Asked Questions
How is Novara different from the dealer's finance desk?
The dealer's finance manager gets paid a commission by the lender often based on the interest rate they lock you into. The higher the rate, the more they earn. We work the other way: we compare 40+ lenders to find you the lowest rate available for your situation. Our job is to save you money, not make money off your rate.
Will checking my rate affect my credit score?
No. Filling out the form on this page does not trigger a credit check. We do a soft assessment first. A formal credit inquiry only happens after you've spoken with us, seen your options, and chosen to proceed forward.
Can you finance a private sale?
Yes. Whether you're buying from a dealership, a private seller, or even at auction. We can arrange finance. Many of the lenders on our panel are comfortable with private sale purchases, which the banks often make difficult.
What if I have bad credit or a default?
We work with all credit profiles. Our panel includes specialist lenders who assess your current situation employment, income, and living expenses rather than just punishing you for a mark on your file from years ago. A default from one lender doesn't mean a no from all of them. (Note: this is a case by case situation)
How fast can I get Conditional approval?
Most car finance conditional-approvals in as little as 1hour. Settlement typically takes 2 business days after you've signed. If you've found a car and need to move fast, we can match that pace. (Note: taking into account we get the needed paperwork from you on time)
What rates can I expect?
Rates depend on your credit profile, the vehicle, and the lender. No hidden costs, no surprises. Many of our clients beat the rate the dealer offered by 1–3%.
Is it worth getting conditional-approved before going to the dealer?
Always. Conditional-approval puts you in control. You know your budget, your rate, and your repayments before you walk in. The dealer can't pressure you into their finance product because you've already got a better one in your pocket. It's the single biggest advantage a car buyer can have.