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.

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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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GST Calculator

Use this calculator to Add or Remove GST from an amount. Perfect for: Business owners calculating GST for invoices Accountants and bookkeepers Anyone needing to work out GST on transactions Understanding what portion of a price is GST

Calculate now

Personal Loan Repayment Calculator

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

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Frequently asked questions.

View our full FAQs
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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.

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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