Car Loans

Dreaming of a new car, a reliable family SUV, or an adventure-ready 4x4? At Ferns Finance, we offer personalised car loan solutions designed to get you behind the wheel faster. We avoid the speed bumps of car finance, connecting you with the right loan and competitive rates for your new ride.

Drive away sooner, personalised car loans for your new ride

Buying a new car should be an exciting experience, not a stressful one. However, navigating the many car loan options, interest rates, and lender requirements can feel overwhelming. That's where Ferns Finance steps in – to provide you with a personalised car loan solution that perfectly fits your budget and lifestyle.

We understand that every individual and every vehicle is unique. Whether you're purchasing a new car, a reliable used vehicle, a family SUV, a robust Ute, or even a caravan or boat, we're here to help you secure the finance you need across Beenleigh, Logan, Scenic Rim, and the Gold Coast.

How Ferns Finance Simplifies Your Car Loan Journey:

  • Extensive Lender Network: We work with over 60 banks and specialist lenders to compare a wide range of car loan products, including secured and unsecured options, fixed rates, and flexible terms. This means more choice and better rates for you.
  • Personalised Solutions: Gwen takes the time to understand your financial situation and driving needs. We don't offer one-size-fits-all solutions; instead, we match you with the loan features that make the most sense, whether that's low repayments, the ability to make extra payments, or a specific loan term.
  • Avoid the Speed Bumps: Forget the hassle of endless paperwork and confusing jargon. We handle the heavy lifting, from application to approval, making the process smooth and stress-free. We'll also help you understand all associated costs transparently.
  • Fast Approvals: When you find your dream vehicle, you want to drive it sooner. We streamline the application process to aim for quick approvals, getting you behind the wheel without unnecessary delays.

Don't let finance stand between you and your new ride. Talk to us today for expert, obligation-free advice and let us find the car loan that's right for you.

The road to your new ride

From saying hello to new seat covers, six easy steps are all it takes for you to get on the road in your perfect car!

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1

Let's Get Started

‍First up, let's have a quick chat! Get in touch to discuss your current financial situation and what kind of car dreams you have. We can connect in person or online – whatever suits you best.

2

Your Personal Shortlist of Options

‍We'll dive into a long list of loan providers and compare everything for you. Our goal is to create a tailored shortlist of car finance options that are truly the best fit for you and your budget.

3

The Green Light for Your Car Hunt

‍Once you've picked a lender from your shortlist, we'll quickly get you pre-approved. This means you'll know exactly your borrowing capacity and can start shopping with confidence!

4

Tinted Window Shopping (The Fun Part)

‍With pre-approval safely under your belt, you can finally start looking for your new ride! To make the hunt even easier, we can also set you up with simple to use car buying services that help you find great deals.

5

Securing Your Ride's Finance

‍Once you've given your new car a test drive and decided it's "the one," we'll get straight to work! We'll handle all the details to secure the finance from your chosen lender, making it smooth sailing.

6

Drive Away! (Into the Sunset)

‍Now, all you need to do is make that offer on your dream car! If all goes well (and we'll make sure it does!), simply pick up the key, and drive away into the sunset, of course! Enjoy your new wheels!

Explore your loan options & their features.

Here are a few different loan types and features to be aware of. Once we’ve had a chat we can discuss which option might be best suited to your circumstances. We are here to help answer your questions when you’re ready.

Secured Loans

You provide collateral (such as the car or property) as security against the loan in case you can’t afford your repayments.

Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.

Unsecured Loans

No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan.

Interest rates can be higher than a secured loan and you might not be able to borrow as much.

Fixed rate loan

Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.

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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.

Calculate now

Borrowing Calculator

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

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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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Personal Loan Repayment Calculator

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

Calculate now

Frequently asked questions.

View our full FAQs
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Are finance brokers regulated?

Yes, finance brokers are regulated to ensure they operate fairly and transparently. In many countries, brokers must be licensed and adhere to specific industry standards. This regulation helps protect consumers by ensuring that brokers act in their clients' best interests and provide accurate information.

Before working with a broker, it's advisable to verify their credentials and ensure they are compliant with local regulations.

Are there differences in borrowing power between Brisbane and Gold Coast properties?

Yes — location affects property values and lender risk profiles. We’ll assess your borrowing capacity based on the exact suburb you’re targeting.

Are there loans for building or renovating in Tamborine?

Yes, we can help with construction loans or renovation-specific personal loans. Even if you’re just upgrading a shed or adding a studio — we can find options.

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Can I still get a home loan in Logan with a low deposit?

Yes! There are low-deposit options available, including First Home Guarantee schemes and lender-specific products. Ferns Finance Brokers can help you find the best fit based on your situation.

Can a finance broker help with bad credit?

Yes, finance brokers can assist clients with bad credit. They have access to lenders who specialize in offering loans to individuals with less-than-perfect credit histories. Brokers can help you understand your options and find a lender willing to work with your situation.

While securing a loan with bad credit may come with higher interest rates, a broker can help you navigate these challenges and find the best possible terms.

Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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Do you offer asset finance for tradies or service businesses in Logan or Gold Coast?

Yes — we can assist with vehicle loans, tools, office fit-outs, and more. If it helps your business grow, we’ll help you finance it.

Do you work with local real estate agents and conveyancers?

Yes — we have a strong local network and can connect you with trusted professionals to make the process smooth.

How do finance brokers get paid?

Finance brokers typically earn their income through commissions paid by lenders when a loan is successfully arranged. This means that their services are often free for clients, as the lender covers the broker's fees. However, some brokers may charge a fee directly to clients for their services, especially if they provide additional consulting or financial planning.

It's important for clients to clarify the payment structure with their broker upfront to avoid any surprises later in the process.

How long does approval usually take in Logan or Gold Coast?

Depending on the lender, approvals can take 2–10 business days. We’ll prep your application to reduce delays.

How to choose a finance broker?

Choosing a finance broker involves several key considerations:

  • Experience: Look for brokers with a proven track record in the industry.
  • Reputation: Research reviews and testimonials from previous clients to gauge their reliability.
  • Services Offered: Ensure the broker provides the specific services you need, whether it's mortgages, personal loans, or business financing.

Taking the time to choose the right broker can lead to a more successful borrowing experience.

What are the benefits of using a finance broker?

Using a finance broker offers several benefits, including:

  • Access to Multiple Lenders: Brokers have relationships with various lenders, giving clients access to a wider range of financial products.
  • Expertise: Brokers are knowledgeable about the finance industry and can provide valuable advice tailored to individual circumstances.
  • Time-Saving: Brokers handle the paperwork and negotiations, saving clients time and effort.

Overall, finance brokers can simplify the borrowing process and help clients make informed decisions.

What documents do I need for a finance broker?

When working with a finance broker, you'll typically need to provide several documents, including:

  • Proof of Identity: A government-issued ID, such as a passport or driver's license.
  • Income Verification: Recent pay stubs or tax returns to demonstrate your financial stability.
  • Credit History: Brokers may request your credit report to assess your borrowing eligibility.

Having these documents ready can streamline the process and help your broker find suitable options for you.

What government grants are available for first-home buyers in Queensland?

As of now, eligible first-home buyers in QLD can access the First Home Owner Grant and possibly stamp duty concessions. We’ll check your eligibility and help with the paperwork.

What is a finance broker?

A finance broker is a professional who acts as an intermediary between clients and lenders. They help individuals and businesses secure loans, mortgages, and other financial products. By leveraging their knowledge of the market, finance brokers can find the best deals tailored to their clients' needs.

Finance brokers are particularly useful for those who may not have the time or expertise to navigate the complex world of finance on their own. They provide valuable insights and guidance throughout the borrowing process.

What is the process of working with a finance broker?

The process of working with a finance broker typically involves the following steps:

  1. Initial Consultation: Discuss your financial needs and goals with the broker.
  2. Document Submission: Provide necessary documents for assessment.
  3. Loan Options: The broker will present suitable loan options based on your profile.
  4. Application Process: The broker will assist you in completing the application and submitting it to the lender.

This structured approach ensures that you receive personalised service throughout the borrowing process.

What should I ask my finance broker?

When meeting with a finance broker, consider asking the following questions:

  • What lenders do you work with? Understanding their network can help you gauge your options.
  • What fees do you charge? Clarifying costs upfront can prevent misunderstandings.
  • How will you communicate with me? Establishing communication preferences can enhance your experience.

Asking the right questions can lead to a more productive relationship with your broker.

Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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