Compare Car Loans from 40+ Lenders

Treadgold Finance provides access to multiple lenders, rather than limiting you to one bank’s products or the dealer’s preferred finance partner. We compare rates and terms across banks, credit unions, and specialist lenders to find the best fit for your situation. We handle all paperwork and communication, making the process simple.

Yes. Once we have your basic details and the loan amount you’re considering, we can give you a personalised estimate of your weekly, fortnightly, or monthly repayments before you commit to anything. The estimate is free, takes a few minutes, and doesn’t touch your credit file.

Both. We arrange financing for new cars from dealerships, used cars from dealers or private sellers, and refinancing of existing car loans. Most makes and models are eligible, including imports and demo vehicles.

Personal car loan applications may receive conditional approval within 24–48 hours with complete documentation. We expedite the process by ensuring applications are complete first time and maintaining direct lender contact. Pre-approval is available so you’re ready to negotiate when you find the right car.

Borrowing capacity depends on your income, existing debts, expenses, and credit history. Most of our car loan clients borrow between $10,000 and $80,000, though larger and smaller loans are also available. We conduct a preliminary assessment to set a realistic borrowing range and match you with the right lender.

Yes. We work with self-employed clients, sole traders, and ABN holders all the time. Low-doc finance options exist if you don’t have traditional payslips. If you’re financing a vehicle that will be used primarily for business, ask us about chattel mortgages — there are tax-effective structures available.

No. We only conduct a credit check once you give us written consent, typically after we’ve identified suitable loan options for your situation. The initial enquiry doesn’t touch your credit file. When we do proceed, we coordinate applications to minimise enquiries on your file.

Rates and fees vary based on loan amount, term, the car type and age, your credit profile, and current market conditions. We provide transparent information on all costs and compare total borrowing costs across lenders, not just interest rates. There’s no broker fee from you for our service — we’re paid by the lender once your loan settles.