Car & Vehicle Finance

Whether you're buying your next family car, a weekend convertible, or a new ute for your business, don't just accept the dealership's finance offer. At Max Rich, we provide access to a huge panel of specialist vehicle lenders, ensuring you get a highly competitive car loan with a fast, hassle-free approval process.

Competitive Car Loans on the Gold Coast

Getting around the Gold Coast, from Hope Island down to Coolangatta, requires a reliable vehicle. But financing it shouldn't be an afterthought. Dealerships often have limited options and higher rates. As your finance broker, we work for you, not the car yard. We cut through the sales talk to find you a genuinely better deal, whether it's for a personal vehicle or a commercial van for your Gold Coast business. Let us handle the finance so you can focus on choosing the right car.

Our Fast-Track Car Finance Process

We’ve designed our car loan process for speed and simplicity, aiming to get you from application to driving away as quickly as possible.

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1

5-Minute Application

‍It all starts with a quick application over the phone or online. We'll ask a few simple questions about you and the car you want to buy.

2

Gather Your Docs

‍We only need the basics. We’ll let you know exactly what’s required, typically just proof of income and your driver's license.

3

We Compare the Lenders

We instantly compare rates and policies from our panel of specialist car loan lenders to find you the most competitive deal available.

4

Same-Day Approval

‍Our goal is to secure your approval as fast as possible, often within a few business hours of receiving your documents.

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5

We Handle the Paperwork

‍Once approved, we prepare all the loan documents for you to sign electronically. We then liaise with the dealership or private seller to arrange the payment.

6

Pick Up Your Keys

‍With the funds transferred, the only thing left to do is pick up the keys to your new car and enjoy the drive!

Explore your loan options & their features.

We offer a full range of vehicle finance options to suit your needs. This includes Secured Personal Car Loans for individuals, as well as business solutions like a Chattel Mortgage, which can offer tax advantages for ABN holders (please consult your accountant). We can arrange finance for new and used cars, and can even help if you're buying from a private seller instead of a dealership.

Secured Loans

A Secured Loan is a loan where you use an asset—such as a vehicle, equipment, or property—as security for the lender. Because this lowers the lender's risk, a secured loan can typically offer you a more competitive interest rate, the potential to borrow a larger amount, and more flexible loan terms compared to an unsecured loan.

Unsecured Loans

An Unsecured Loan provides fast, flexible access to funds without requiring you to provide an asset (like a car or property) as security. Because no security is needed, the application process is often quicker and simpler.

Fixed rate loan

A Fixed Rate Loan locks in your interest rate for a set term, typically from 1 to 5 years. This means your repayment amount will not change for the entire fixed period, regardless of what happens in the market.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Balloon Payment Calculator

Use the balloon payment calculator to understand the impact that a balloon payment will have on your monthly loan repayments and the total amount of interest you’ll be required to pay.

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Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Car Loan Calculator

Find out how much your car loan repayments will be, and the total interest charged for the car loan.

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Credit Card Calculator

Understand how long it’ll take to complete your repayments and how much interest you will pay.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Personal Loan Repayment Calculator

Use this calculator to find out how much your personal loan repayments will be.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Frequently asked questions.

View our full FAQs
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Can I get a mortgage with bad credit?

While having bad credit can make it more challenging to secure a mortgage, it is not impossible. Some lenders specialize in offering loans to individuals with lower credit scores.

Options for Borrowers

Borrowers with bad credit may consider options such as FHA loans, which are designed for those with less-than-perfect credit. Additionally, improving credit scores before applying can increase the chances of approval.

Can you help me figure out my borrowing capacity?

Absolutely. Your borrowing capacity is a calculation of how much a lender will loan you based on your income, debts, and living expenses. While online calculators offer a rough estimate, we provide a far more accurate and reliable assessment. We will analyse your financial situation to give you a clear budget and help you secure a formal pre-approval, which is the green light you need to search for property with real confidence.

How long does it take to close?

The time it takes to close on a mortgage can vary, but it typically ranges from 30 to 45 days. Factors that can influence this timeline include the lender's processing speed, the complexity of the loan, and the responsiveness of all parties involved.

Tips for a Smooth Closing

To ensure a smooth closing process, maintain open communication with your lender and promptly provide any requested documentation.

How much can I borrow?

Your borrowing capacity depends on several factors, including your income, financial commitments, living expenses, and the size of your deposit. While online calculators provide a rough estimate, our detailed assessment provides a much more accurate figure. We do this as part of a formal pre-approval process, so you know exactly what your budget is before you start looking.

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How to apply for a mortgage?

Applying for a mortgage involves several steps. First, gather necessary documents such as proof of income, tax returns, and credit history. Next, research different lenders and mortgage products to find the best fit for your needs.

Steps to Follow

  1. Gather financial documents.
  2. Check your credit score.
  3. Shop around for lenders.
  4. Submit your application.

Following these steps can streamline the mortgage application process.

Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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