1800 855 516
🇦🇺 Australian-Owned & Operated · Sydney & Nationwide
Get Your Car or Ute
( Finance Sorted ) in as Little as 1 Hour - No Banks, No Delays, Just FAST Private Approval...
We find you a better car finance deal that is faster than the bank and cheaper than the dealer...One application, 40+ lenders, and a human who picks up the phone...
The dealer wants the biggest margin...The bank wants the safest bet. Neither one is shopping for the best deal for you... That's why we exist... We work for the buyer...
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
40+
Lenders on Our Panel
50+
Combined Experience
Dear Customer,
If you’re looking to finance a car or truck (and have a minimum 500 credit score) but keep getting delayed or declined… it’s not your fault.
We understand that you’re not always in control of what life throws at you. From rising living costs to unexpected expenses… sometimes you just need the right support to move forward.
That’s why we created Novara Finance. To give everyday Australians access to reliable, hassle-free car and truck finance with fast conditional approvals in as little as 1 hous. No matter what vehicle you need it for… we’ve got you covered.
REAL STORY - "REAL NUMBERS"
He Almost Signed at 12.9%.
We Got Him 8.49%
Bez found a 2016 Toyota Hilux at a Sydney dealership. $38,000 drive-away. The dealer's finance manager offered 12.9% over 5 years. "Best rate we can do," he said.He almost signed.He called Novara. Conditionally approved at 8.49% within hours through a lender the dealer never mentioned. Same car. Same term. $70 less p/m.
Besmillah K
Manager | NSW
Saved $5800
Brock In His New Ride 48 Hours After Initial Contact
Brock works FIFO. Long swings. Limited time on the ground. He didn't have weeks to chase finance quotes between rosters. He called Novara, spoke to one of our specialists, and 48 hours later he was driving his new ride at a rate that beat every other lender he'd spoken to. No runaround. No wasted days off.
Brock Murray
FIFO Worker | WA
Saved $4300
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
Are ready to purchase a car or ute within the next 7–14 days...
Have a stable source of income...
Want a faster, more direct alternative to traditional banks...
Have no current defaults and all past dues cleared..
Prefer a simple, no-hassle approval process...
This is NOT a good fit if you:
Are just browsing or exploring options...
Are not planning to purchase anytime soon...
Are looking to compare multiple lenders for the lowest rate...
Are not ready to move forward right now...
Have some defaults...
Apply For Your Loan Now !
trusted by 10,000+ Australians
For the Loan When they needed the most
I loved working with Novara Finance they helped us secure our very first business 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 business.
Fantastic experience with Novara Finance they helped us refinance our commercial property with zero hassle, competitive rates close to bank offerings, a much faster turnaround, and outstanding support throughout; special thanks to Kevin for his patience, availability, and delivering exactly what was promised.
I’m thrilled with the results of my term loan with Novara Finance.Steven took the time to understand my business 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 funds 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
Get Cash in 3 Simple Steps
Step 1
Apply In Just Minutes
Simply Click the Button on this page and Submit your application .
Step 2
Speak with A Friendly Team Member
We'll answer your questions and make sure you choose the right option.
Step 3
Get Upto $350K In As Little As 5 days
We have 98% approval rate. Once you are approved, we can send you the funds.
Ready to Get
Novara Finance Loan Support?
Upto $350k Truck Loan can be Sanctioned.
Approval done in minutes
Flexible repayment options
98% approval rate
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.