Purchasing a car on finance
Sometimes, finding the right car loan can feel like you’re trying to avoid never-ending potholes at full speed. It’s messy, difficult and almost impossible to avoid all of the speedbumps. To say that it’s a journey would be an understatement. It’s usually the case that picking the right car is actually easier than picking the right car finance. And yet, here you are trying to navigate the world of finance with the intention of buying a car on finance. Well, worry not, because Nifty is here to help and make sure you are matched with the right finance for you.
If you’re familiar with Nifty, you’ll already know that we are a neo-lender that specialises in small to medium loans of up to $5,000. The good news is that Nifty is branching out and now helping even more Australians like yourself get the car financing that they need. Have we caught your interest yet? Good! Read on to discover Nifty’s newest service and how we can potentially help you.
Nifty’s new broker-finding service
We mentioned that we’ve branched out to the car finance sector, but what does that actually mean and how does that affect you? Well, in a nutshell, it means that Nifty can now help you get your hands on the larger car finance. If you’ve been thinking of buying a new car recently and have made the decision to buy the car on finance, then Nifty can help you out!
We’ve designed a special broker-finding service and have teamed up with the Diversifi Broker Team. Diversifi have extensive experience in the financial sector and are committed to ongoing training so they can consistently offer you the best services in the industry. They’ll take all your financial needs into consideration and source the best lenders out there, just for you. If that doesn’t sound like a great service, we don’t know what does!
Diversifi are a highly-awarded finance broker and Nifty is proud to be teaming up with them. You can trust that not only will Nifty have your back, but that Diversifi will too. We’re on your side.
What kind of car on finance loans are available?
If you’re looking to buy a car on finance, you’re probably wondering what kind of loans Nifty has to offer. Well, the great news is, is that your loan is fully customisable! You can apply for any amount between $10,000 and $50,000 with a term of 1-7 years to pay it off! You will discuss your loan terms with your broker and lender to ensure they fit your financial circumstances. The brokers that we work with have a lot of experience tailoring loans to applicants so you can trust that they’ll do best by you.
Who can apply for a car on finance loan?
To apply with Nifty’s broker-finding service we just need a couple of things from you first. We’ve kept our eligibility criteria nice and simple so that we can get straight on to the important business – Finding you a lender! So, if you meet the following criteria, then you are eligible to apply today!
- You must be at least 18-years of age;
- You must be an Australian citizen or permanent resident;
- You must have a driver’s licence;
- You must have been receiving a regular working income into a personal bank account for at least the last 3-months;
- And you must have a credit score of 300+.
Did you meet these criteria? That’s great news! Submit an application with Nifty today and we’ll get straight on to finding you a broker for your car finance.
How do you apply for a car on finance?
We’ve made applying for Nifty’s broker-finding service quick and painless so you don’t have to fret over all the little details. We’ll just ask you a couple of questions and get a few pieces of information from you before putting you in touch with a broker. In this type of lending situation, Nifty is simply the middle man, with your broker doing most of the work. We’re just here to put you in touch with your broker and provide them with a few pieces of crucial information. We’re here to make the whole process as seamless as possible for you. It really is that simple.
Step one – submit a car on finance application online with Nifty
To get started, simply scroll up to the top of this page and let us know how much you’re looking to borrow. Answer a few quick questions for us and hit that submit button. This should only take you a couple of minutes. Your application is already off to a speedy start!
Step two – we find you a broker and they get in touch with you
Once we have received your application, we’ll take a look and see if there is a broker we can match you up with. This step will take us a few minutes, so while you’re waiting feel free to go and grab a coffee, chuck Netflix on and get comfy while we do the hard work for you. Don’t forget to keep an eye out for a notification for any follow-ups and or important information from us or your broker!
Step Three – Pre-approval!
Once your broker has received your application, they begin working with you directly to get you pre-approval for a car on finance.
By this point, your broker will have started finding you the perfect lender to help you out. So, have you heard the good news that your application has been pre-approved? Woohoo! With pre-approval, you’ll have your lender and car finance ready for when you’re ready to go and confirm that new car. With your pre-approval in your back pocket, you can stroll into any car sales with confidence knowing that your finance is sorted and you could be driving away!
There you have it. Just 3 easy steps and you could on your way to being the proud new owner of a shiny new ride. Now that you know how pain-free getting a car on finance can be with Nifty you can focus on the more important things, like deciding what colour car you’re going to get (it’s a known fact that red goes faster, right?). Whether you’re looking to buy a new or used car on finance, Nifty can find you the broker to speed up your finance journey.
What information will I need to supply for a car on finance application?
We don’t need a huge amount of super detailed information from you at the beginning of your application. So, don’t feel obliged to go hunt down as much financial paperwork as you can find or start pulling out papers from behind the filing cabinet. We simply ask that you have the following information handy when you start filling out your application and you’ll be off to a flying start.
- We’ll need your personal details i.e. name, date of birth, address, etc.
- We’ll also need to grab a mobile number from you so we can give you a call
- Finally, we’ll also need to grab your personal email address from you as well.
See, nothing too strenuous! Just some simple information that will be a big help when we start finding you the perfect broker
I have bad credit – can I still apply for a car on finance?
Having bad credit history can feel like the end of the world. Many traditional lenders won’t give you the time of day, let alone a fair and reasonable assessment of your application. It’s easy to simply have the ‘why bother’ attitude when it feels like no one is ever going to give you a chance.
Did you know that Nifty may actually be able to help you out? Lending is a lot more flexible these days with many lenders taking into consideration your overall relationship with money, and not simply judging you purely on your credit score. Nifty and our brokers work with lenders that understand that life happens and not everyone is going to have a perfect credit score. Indeed, your broker will take this into consideration when finding you a lender.
Any responsible lender that your broker finds will instead have a look at your overall finances and your relationship with money. What do we mean by this? Well, they’ll take a look at your income and expenditure, your employment status, your credit score, your banking habits and they’ll also take into consideration any positives on your credit file as well. This gives them a much more accurate snapshot of your financial situation, as opposed to just looking at your credit history.
Will Nifty conduct a credit check on my car on finance application?
No, Nifty will not conduct a credit check on your car on finance application. In this instance, Nifty will be the broker-finding service and not be the actual lender. Any credit checks will be up to the lender that your broker finds for you. Sometimes, your broker may perform a “soft” credit check first but this will not show up on your credit report. If your broker is able to find a suitable lender for you, then a credit check will be a part of the lenders’ process.
As we mentioned above we may be able to help out, even if you have some bad credit history in your past. So, don’t panic too much and get put off by the idea of having to undergo a check. Your broker will be able to find the right lender for your circumstances and generally these days, they are much more understanding about not so perfect credit scores.
So, rather than sitting there fretting about credit checks and thinking that no one is ever going to give you the second chance you deserve, why don’t you submit an application for a car on finance loan through Nifty. You never know what could happen!
Like the sound of Nifty?
Are you loving what you’re hearing, but you’re not too sure that applying for a car on finance is the right thing for you at the moment? Not to worry! Nifty also specialises in small personal loans from $300 up to $5,000, for all your small everyday needs. We can help you out with white goods, holidays, a house bond, emergency loans, dental or medical loans, and so many more! You name the reason and we can probably help you out with a loan! Now that’s pretty Nifty.
If you are looking to apply for Nifty’s personal loan service, then scroll up and select fast personal loan from the drop-down and submit your application now!
Apply now for a specialised and professional service
Our broker-finding service is the new standard of excellence in the industry. If it sounds too good to be true, we assure you it’s not! Nifty has upped their game and is now taking it to the next level. We’ve taken our core values of flexibility, reliability and ease of application and combined them with bigger and better car loans through our partnership with some of the best brokers in the business.
Have we got your attention yet? Great! Why not submit an application now and see just how easy it really is? If you’ve been shopping around for that perfect car on finance loan, why not give Nifty’s new broker-finding service a go? You could be driving away in your new car in no time at all.If you have any questions about our car on finance loans, our broker-finding service or you want to check up on the status of an application you submitted please don’t hesitate to give us a quick call on 1300 471 328. We’re always here to help!