Private Vehicle Purchases
Buy Direct With Confidence
Broker support for the finance, ownership checks and settlement steps involved when buying a vehicle directly from its owner.
01
Transaction Checks
Understand the seller and vehicle information a lender needs.
02
Structured Settlement
Coordinate approved funds and purchase documentation.
03
One Contact
Your broker helps keep the application and purchase clear.
What You Can Finance
Finance Built Around the Purpose
Your broker considers the asset or funding purpose alongside your circumstances and relevant lender criteria.
- Cars sold by private owners
- Used utes and light vehicles
- Eligible enthusiast vehicles
- Interstate private purchases
- Replacing a financed car
- Direct seller settlements
Simple Process
From Enquiry to Settlement
01
Tell Us What You Need
02
Review Relevant Options
03
Prepare the Application
04
Move Through Settlement
Submitting the initial pre-check does not itself affect your credit score. Consent is obtained before any formal credit enquiry.
Prepare With Confidence
What You May Need
Requirements vary by lender and scenario. Your broker will confirm what applies.
- Buyer identity and income information
- Registration and VIN details
- Seller identification and bank details
- Signed purchase agreement
- Inspection or valuation if required
Access to a broad lender panel
Westpac
Pepper Money
Liberty
RACV
Finance One
ANZ
MoneyMe
Macquarie
CommBank
Latitude
APF
Angle Auto Finance
CLIENT REVIEWS
What Our Clients Say
Common questions
Private Sale Car Finance FAQs
Is private sale finance different?
Yes. Lenders may require additional checks to verify the seller, ownership, value and settlement account.
Should I pay a deposit first?
Consider making any deposit subject to finance and satisfactory checks.
What if finance is owing on the car?
An existing security interest may need to be paid out as part of settlement.
Can I buy interstate?
Potentially, although transport, inspection and registration requirements may apply.
Ready to Discuss Private Sale Car Finance?
Start with a short, no-obligation pre-check or speak with a broker.