Refinance Your Loan
Refinance your car, truck, caravan, motorcycle or boat loan with Treadgold Finance — review your options across 40+ lenders.
Rated 5 from 47 Reviews
Refinance your car, truck, caravan, motorcycle or boat loan with Treadgold Finance — review your options across 40+ lenders.
Rated 5 from 47 Reviews
Refinancing your existing finance can be one of the smartest financial moves you make. Whether you're paying off a car, truck, caravan, motorcycle, boat or jet ski — or commercial vehicles and equipment — Treadgold Finance helps borrowers Australia-wide compare refinance options across more than 40 lenders. The goal is straightforward: review whether the terms on your existing loan are still the right fit, and explore what's available across the broader market.
When considering refinancing your vehicle loan, the rate you're currently paying is one of several factors worth reviewing. Other considerations include the loan term remaining, any fees attached to your current arrangement, and whether early payout costs apply. Treadgold Finance offers a streamlined application process with minimal paperwork, making it easier to compare lenders side by side. Whether you're refinancing consumer recreational vehicles like boats and jet skis or commercial transport solutions, our brokers work to identify the option that genuinely aligns with your situation — not just the headline number on the rate card.
Refinancing isn't only about the headline rate. It's also about restructuring your existing finance to suit your current circumstances, whether for personal use or commercial operations. If you've experienced changes in your income, your business expenses, or your goals for the asset, refinancing can offer different terms that better accommodate your situation. Working with Treadgold Finance, you'll benefit from personalised guidance on refinancing across all vehicle types — trucks, caravans, motorcycles, and watercraft included — and clear comparisons of the options available to you.
The benefits of refinancing can extend beyond a change to monthly payments. Depending on your circumstances, refinancing may free up cash flow for other expenses, investments, or business operations, and in some cases it allows you to consolidate debt across multiple vehicle purchases into a single facility. Treadgold Finance is committed to providing the tools and knowledge needed to make informed decisions about your asset finance, whether you're a consumer or a business owner managing a commercial fleet.
Exploring refinancing options with Treadgold Finance puts you in control of your asset finance arrangements across all vehicle categories. Our experience in asset finance means you'll receive guidance tailored to your specific situation — from recreational purchases like caravans and jet skis to commercial vehicle acquisitions. Whether you're looking to review the loan terms on your current vehicle or restructure an existing arrangement for trucks, boats, or other assets, our team is equipped to help you work through the options.
Refinancing can be a worthwhile decision for consumer and commercial clients reviewing the terms of their existing finance. Treadgold Finance works with clients nationwide, offering a streamlined application process for all vehicle types including cars, trucks, caravans, motorcycles, boats, and jet skis. Wherever you are in Australia, our brokers are available to walk you through the refinance options across our 40+ lender panel. Contact Treadgold Finance today to discuss how refinancing might fit your situation, whether consumer or commercial, and explore the next step from there.
1. Reviewing your current loan
We start with what you've got, including the asset, the current rate and term, how long is left to run, and what's prompting the review. That tells us whether refinancing is likely to leave you better off before we go any further.
2. Getting your payout figure
We help you get the exact payout figure and any exit costs on your current loan in writing. There's no point refinancing for a saving that exit costs eat up, so we establish this early.
3. Comparing the options honestly
We compare refinancing options across our panel of 40+ lenders and weigh them against what you're currently paying, factoring in the exit costs. If the numbers don't stack up, we'll tell you rather than push a refinance that doesn't help.
4. Getting approval
If it makes sense, we submit to the lender most likely to approve you on better terms. For a straightforward refinance, approval often comes through within a couple of bsiness days.
5. Settlement
On approval, the new lender pays out the old lender directly, usually coordinated so there's no gap where you owe both. We walk you through the new agreement, your repayment date, and any conditions before you sign.
6. Ongoing support
We stay your point of contact for reviewing the arrangement again down the track, or any future finance needs.
Treadgold Finance is led by Damien and Danielle Treadgold, a husband-and-wife partnership with extensive expertise in asset finance and customer relations. With a shared commitment to helping clients secure the right financing solutions, we've established a business built on trust, knowledge, and personalized service.
Together, Damien and Danielle bring nearly two decades of combined experience across finance and customer service sectors. Their diverse background spanning customer relations, sales excellence, team leadership, and financial services ensures every client receives expert guidance and comprehensive support tailored to their unique asset finance needs.
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Allen Spence
MA
Matthew Alport
Damien at Treadgold Finance sorted out the finance for my car purchase and made the whole thing easy. What stood out was that it didn't feel like a big corporate experience - it was a genuine human-to-human connection, friendly and helpful the whole way through. He took the time to explain the options properly and answered every question I had. Highly recommend Damien and Treadgold Finance.
SD
Susan Dalton
The 2 D’s Danielle and Damian done a fantastic job. I don’t look great on paper and thought it was a long shot but they found a way for me as well as they had someone look for the best car for me. I basically didn't have to much at all. Very grateful for the help getting back on my feet. Would highly recommend Treadgold finance.
A few common triggers are when rates have moved since you took the loan, your circumstances have changed, the loan term is uncomfortable, or you want to consolidate multiple asset loans into one. The simplest test is to compare the new arrangement against what you have, weighed against any payout costs. We can run that with you in a short chat.
Any new application generates a credit enquiry, with a small short-term impact. The bigger problem is applying to multiple lenders directly, since those enquiries stack up. Working through a broker means one application to the lender most likely to approve you, which protects your file.
Sometimes, depending on the lender and loan type. Fixed-rate loans often carry break costs. Variable loans usually don't. We get your payout figure in writing before any refinance proceeds, so you know exactly what it costs to exit and whether it still makes sense.
For a straightforward refinance with good credit and a mainstream asset, approval usually comes within a couple of business days, with settlement following shortly after. Complex cases can take longer, and we'll give you a realistic timeline upfront.
Yes. ABN holders and company directors refinance regularly. The documentation differs slightly, typically recent BAS, business bank statements, and possibly a tax return, but the process is similar. Self-employed refinancing is one of our most common case types.
No. Settlements are coordinated so the new lender pays out the old lender directly, usually on the same day. You won't owe both lenders at once. Your repayment cycle simply rolls over.
Treadgold Australia Pty Ltd ABN 71 668 054 966 trading as Treadgold Finance, is an Authorised Credit Representative #550047 of AFAS Group PTY LTD, Australian Credit Licence #414426.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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