Car Refinance With Same-Day Approval

Verified Lending is an Australian finance broker. Rather than being tied to one bank, we compare a panel of 60+ lenders to find you a competitive rate and the right loan structure — at no cost to you. We handle the legwork, paperwork and negotiation so you can get on with life.

No. A bank can only offer you its own products. As a broker, we compare 60+ lenders in one application, so you see a range of options rather than a single rate — and we match you to the lender most likely to approve you on the best available terms.

You get access to 60+ lenders through a single application, expert guidance from a dedicated specialist, competitive rates negotiated on your behalf, fast turnaround with same-day approvals in many cases, and no cost to you for our service. Enquiring won't affect your credit score.

Simply complete our quick online application — it takes around 60 seconds. From there, one of our specialists reviews your details, compares 60+ lenders, and comes back to you with your best options. You can also call us on 1300 000 185 to get started.

The instant asset write-off lets eligible businesses claim an immediate deduction for the cost of qualifying assets. We can structure your finance so the asset is purchased and ready for use within the relevant period, and we'll work alongside your accountant to make sure it's set up correctly. Speak to our team to see if you qualify.

Every application is different, but because we compare 60+ lenders — including specialists who consider a wide range of circumstances — we can match you to the lender most likely to approve you. Enquiring takes 60 seconds and won't affect your credit score, so it's worth finding out where you stand.

Often, yes. Our panel includes specialist lenders who look beyond your credit score to your income, employment and overall situation. We'll match you to the lender most likely to approve you and work to secure the best available rate for your circumstances.

A balloon payment is a larger, one-time payment made at the end of your loan term. It means you only pay interest on a fraction of the principal during the loan, which can lower your regular repayments. At the end you can pay it out, refinance the balloon, or sell the asset to cover it — our specialists can help either way.

Asset finance is a way to fund a physical asset — such as a vehicle, equipment or machinery — where the asset itself typically serves as security for the loan. This usually means sharper rates and structures tailored to how the asset is used, whether for personal or business purposes.

The initial enquiry takes around 60 seconds, and many customers receive same-day approval. Overall timeframes depend on the lender and how quickly documents are provided, but our streamlined digital process and 60+ lender panel mean we move fast.

A broker works for you, not the bank. We compare 60+ lenders in one application, handle the paperwork and negotiation, and match you to the lender most likely to approve you at a competitive rate — saving you time, hassle and often money, at no cost to you.

You choose the asset you need, and we arrange finance to cover it — typically secured against the asset itself. You then make regular repayments over an agreed term, with options like no deposit, balloon payments and flexible terms. At the end of the term the asset is yours, or you can refinance or upgrade.