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Car Loan & Finance Brokers

Fast Pre-Approvals 

Extended Terms

Free Consults 

All New & Used

Loan application procedures that last for weeks may be exhausting. Our car loan brokers make the whole process of getting auto loans simpler. We work with a large panel of lenders and negotiate for you on market leading interest rates and terms.

While having a good credit score is highly beneficial, poor credit is not a barrier to securing a loan where we can align you with the best lender for your situation. Our brokers can assist you in finding the best choice with flexible repayment plans that make getting a loan stress-free. We are here to assist you make sound choices when applying for a loan, taking into consideration your existing financial situation and costs.

An unsecured auto loan in Sydney might be an excellent choice for anybody seeking more freedom and flexibility when financing their vehicle. With an unsecured loan, you are not limited to a certain brand or model; you may buy the automobile of your dreams, regardless of age or condition. If you’re searching for a new automobile but don’t want to be limited to a certain brand or model, an unsecured loan might be the best choice for you.

Secured loans can be more flexible and typically give bigger borrowing limits to people from all financial backgrounds; even those with low credit ratings. Choosing a secured car loan reduces risk for the lender, helping to lead to cheaper interest rates.

Orchard Lending can help you in determining the best loan for your car and financial position with our free no-obligation consults, fast pre-approvals, and full life-of-loan support.

Onto The Road Of Success….

“I couldn’t find the sports car of my dreams, so I built it myself.”
― Ferdinand Porsche

Fast Pre-Approvals

Available Today

Free Consults

New & Used Car Loans

A car is typically one of our larger financial commitments. Whether new or used, or your exotic dream car, purchasing a vehicle is more than just a numbers based decision, with a car forming likely a part of many years of memories and events. With this in mind, we can to ensure every client feels just as happy with their provided car finance as they do the vehicle itself.

We can assist with all types of car loan financing, with flexible security and unsecured options if you prefer maximum flexibility. Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you. This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with the main banks as well as specialty lenders, with typically no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our car loan brokers and ensure you make the right choice on your car financing today.

Frequently Asked Questions

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.

Car Loan Details

We can assist with most types of car loan finance from secured to unsecured for maximum flexibility. For secured finance, this can be against something to be bought, or if you have a fully owned car, we can sometimes use this as security on a new debt facility to purchase an additional vehicle. Funds are normally deposited within 24 hours of approval during normal business hours and can be paid direct to you, the dealer, or the private seller, depending on what works best.

What’s even better? We can save you a lot of time and enable you to focus on getting into your ideal automobile with peace of mind. Our loan brokers assist you in finding the best lending choice with flexible repayment plans.

Start today by arranging a free 30 minute credit consult with one of our car loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your car finance needs.

Things To Consider

Our mission is to ensure that all car loans will provide true benefits, and meet your needs and objectives for today and tomorrow. We aim for vehicle lenders who have no on-going fees, no early repayment or exit fees, and who provide competitive rates and finance terms. We understand it’s more than just an interest rate, and want to ensure that all facilities opened are from reputable lenders with a great track record of customer service, and delivering on excellence,

Our process starts with a completely no-obligation pre-assessment from one of our senior car loan brokers where you will have the chance to discuss any questions you may have. Book an appointment now or apply for a non-committal quick quote to view our tailored car loan solutions.

With access to a network of 30 lenders, we can find the most competitive prices on the market. 

What does it take for a typical car loan?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history

Secured Car Loans

From 8.95%

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  • 9.25% Comparison rate
  • Dealer or private purchase
  • Up to 120% security value
  • Minimum $10K facility
  • Free pre-assessment
  • Longer loan terms available

Unsecured Car Loans

From 9.75%

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  • 10.45% Comparison rate
  • Funds paid to you
  • No early repayment fees
  • Up to $120K per household
  • Free pre-assessment
  • Maximum flexibility

Other Secured Loans

From 8.95%

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  • 9.75% Comparison rate
  • Use an already owned asset
  • No early repayment fees
  • Up to 100% security value
  • Free pre-assessment
  • Free valuations