Affordable Used Car Finance

Used Car Finance From 5.54%

Used Car Finance at Competitive Rates

Smarter Finance Starts Here – Low Rates, Expert Support, Tailored to you.

Used Car, New Possibilities; With Fast, Flexible Finance.

Find Out What You Can Borrow, Without Impacting Your Credit Score!

Smartway Finance

Low Rate Finance for Used Cars

At Smartway Finance, we know buying a used car can seem daunting and getting the right finance should make things easier, not harder. Whether you’re purchasing from a dealership, a private seller, or looking to refinance an existing asset, we offer smart, flexible loan options tailored for pre-owned vehicles.

We work with a broad panel of over 40 trusted lenders to secure competitive rates and fast approvals, all while protecting your credit score. From the moment you enquire, we guide you step-by-step through the process.

Our team takes care of all the behind-the-scenes work, including document checks, vendor verification, and settlement coordination. No stress, no guesswork—just expert support from application to handover. Let us help you finance your next car the smart way—whether it’s across the road or across the country.

Competitive Rates
Made Easy

 We do the shopping for you. With access to a range of trusted lenders, we find great rates and flexible options which save you time, money and hassle.

Fast Approvals
Less Hassle

We know what lenders look for and we help you get it right from day one. With expert guidance and access to a range of lenders, we’ll improve your chances of fast approval with a simple process.

Turn Goals into Reality with Smartway

Flexible finance options tailored to your needs — helping you move forward with confidence, on your terms, and without the usual stress or delays.

Protect Your
Credit Score

With Smartway Finance’s expert guidance, you’ll apply the right way — avoiding unnecessary checks and protect your credit profile.

Vehicle Finance Available

Personal Unsecured Loans

Perfect for those who don’t want to tie their loan to an asset, unsecured personal loans offer flexibility and freedom. Since there’s no collateral, these loans may carry slightly higher interest rates, reflecting the additional risk for lenders.

Secured Car Loans with Extended Terms

With repayment terms of up to 84 months, secured car loans use the vehicle you’re purchasing as security. This added assurance for lenders typically means more competitive interest rates for you.

Chattel Mortgage

A smart option for businesses, a chattel mortgage allows you to finance a vehicle while the lender retains a mortgage over it during the loan term. This structure can offer tax advantages depending on your circumstances.

Novated Leases

Common among salaried employees, a novated lease is a three-party arrangement between you, your employer, and the finance provider. It can include vehicle running costs and may deliver tax savings through salary packaging.

Low Doc/No Doc Loans

Designed with business owners and self-employed clients in mind, low doc loans make commercial vehicle financing possible with minimal paperwork. These solutions are ideal when traditional documentation isn’t readily available.