Stree-Free Car Upgrades
We Negotiate
Rates & Cars
for You
50+ Lenders
Dealer or Private sale
No Savings Required
Stress-free Car Upgrades
We Negotiate
Rates & Cars for You
We Negotiate Rates & Cars for You
50+ Lenders
300,000+ Cars to choose from
Dealer or Private Sale
Dealer & private sale acceptable
No Savings Required
Approved & Driving
in 24 hours
50+
Lenders
300,000+ Cars to choose from
Dealer & Private Sale
Dealer & private sale acceptable
No Savings Required
Approved & Driving
in 24 hours
What Others Are Saying
What Others Are Saying
STILL NOT SURE?
Frequently Asked Questions
Frequently Asked Questions
Don't see what you need? Request a call back to ask.
How does it work?
Simply share your details for a quick consultation. Once we find the best finance and car options, we’ll handle the negotiations and approvals. All you need to do is pick your favorite car and give us the green light - we’ll take care of the rest.
Do I need a deposit?
Not usually! While a deposit isn’t always required, putting some skin in the game can sometimes unlock an even sharper rate. We’ll present options both with and without a deposit so you can choose the path that suits you best.
How much can I borrow?
Once we’ve locked in your best rate, we’ll let you know your maximum borrowing power. We can also provide quotes for different price points, so you’ll know exactly how your choice of car affects your repayments.
Can you recommend cars to me?
Absolutely. We’re car enthusiasts who know which models hold their value and which to avoid. We’re happy to help you find an undervalued gem that fits your needs.
Can I use your services for finance only?
Yes! Just provide the vehicle details, and we’ll secure the most competitive rates and repayment terms for you.
First-Time Borrowers
We specialise in helping first-time borrowers navigate their options. We’ll explain everything in plain English and find low-rate solutions tailored to your credit profile without impacting your score. Feel free to add anybody more experienced with finance to our calls so they can assist you.
Single Parents
We understand which lenders accept various income types, including Centrelink, low work income and both private and formal child support. We ensure you’re matched with the right lender immediately while negotiating the best deal on your vehicle.
Sole Traders
We explore both personal and business finance to maximize your flexibility and benefits. Whether your ABN is new or established, we’ll help you find the most cost-effective path for your business without compromising on any tax benefits.
Access the Best Rates from
50+ Lenders
Access the Best Rates from
50+ Lenders
Does This Sound Familiar?
Does This Sound Familiar?
Does This Sound Familiar?
No time to compare every bank, dealer & Marketplace listing
Need to upgrade your car but you're on a tight budget
Want the latest model without the price tag
We've got you covered!
We've got you covered
What We Do
What We Do
Rate Comparison
A quick chat with our consultants is all it takes to find the best rate for your situation from over 50 different lenders. We make the entire process smooth and straightforward.
Free Car Finder
We help our approved customers identify cars that hold their value while avoiding those with a history of breakdowns. This service is completely free and designed to protect you.
Free Car Negotiator
Once we've found the perfect car, we negotiate a price lower than the asking amount on your behalf. We handle everything for free, ensuring there are no surprise fees along the way.
Discounted Insurance
As authorised representatives of a major Australian insurer, we can create policies in just minutes. Best of all, we offer discounts on standard prices of up to 31%.
Extended Warranties
Does the car you want have a reputation for surprise maintenance costs? Our national extended warranties are here to cover the unexpected so you can drive with complete peace of mind.
Debt Consolidation
Are existing loan repayments preventing you from getting your dream car? We can consolidate all your debts into one simple, easy-to-manage payment.
What We Do
Rate Comparison
A quick chat with our consultants is all it takes to find the best rate for your situation from over 50 different lenders. We make the entire process smooth and straightforward.
Free Vehicle Finder
We help our pre-approved customers identify cars that hold their value while avoiding those with a history of breakdowns. This service is completely free and designed to protect you.
Free Vehicle Negotiator
Once we've found the perfect car, we negotiate a price lower than the asking amount on your behalf. We handle everything for free, ensuring there are no surprise fees along the way.
Discounted Insurance
As authorised representatives of a major Australian insurer, we can create policies in just minutes. Best of all, we offer discounts on standard prices of up to 31%.
Extended Warranties
Does your car have a reputation for surprise maintenance costs? Our national extended warranties are here to cover the unexpected so you can drive with complete peace of mind.
Debt Consolidation
Are existing loan repayments preventing you from getting your dream car? We can consolidate all your debts into one simple, easy-to-manage payment.
About us
Finance Nerds
Car Enthusiasts
Kart Finance began with a simple mission: to master the local lending landscape better than anyone else. Since then, we’ve successfully navigated thousands of complex credit challenges that left others stumped.
Our knack for quick problem-solving means we can focus on what matters most - helping you save. That’s why we offer our approved clients complimentary vehicle finding and negotiation services, ensuring you get the best deal possible.
10yrs Finance Experience
10 Year Finance Industry Experience
20yrs Automotive Experience
18 Years Automotive Industry Experience
Paired for Your Experience
Synergised for the Customer Experience
About us
Finance Nerds &
Car Enthusiasts
Kart Finance began with a simple mission: to master the local lending landscape better than anyone else. Since then, we’ve successfully navigated thousands of complex credit challenges that left others stumped.
Our knack for quick problem-solving means we can focus on what matters most - helping you save. That’s why we offer our approved clients complimentary vehicle finding and negotiation services, ensuring you get the best deal possible.
10 Years Finance
Industry Experience
20 Years Automotive
Industry Experience
Synergised for the
Customer Experience
E-mail: [email protected]
Phone: 0433 043 121
Kart Finance Australia Pty Ltd
ABN: 31 684 487 278 | CRN: 571431
We are authorised to provide credit assistance by Fintelligence Pty Ltd| Australian Credit Licence # 511803.
Disclosure:
All applications are subject to the credit providers credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
Your interest rate is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application. Rates, repayments and fees are estimates and are subject to change at any time.
© 2026 Kart Finance.
E-mail: [email protected]
Phone: 0433 043 121
Kart Finance Australia Pty Ltd
ABN: 31 684 487 278 | CRN: 571431
We are authorised to provide credit assistance by Fintelligence Pty Ltd| Australian Credit Licence # 511803.
Disclosure:
All applications are subject to the credit providers credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.
Your interest rate is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application. Rates, repayments and fees are estimates and are subject to change at any time.
© 2026 Kart Finance.