Car Finance Brisbane
Morella Finance helps Brisbane buyers arrange car finance from $10,000, for dealer purchases and private sales. Whether you're replacing your daily driver or buying a family car, I help organise the loan and settlement so you can concentrate on choosing the car.
Car loans from 6.20% p.a. Comparison rate 6.63% p.a.*
Set your budget before you start shopping
Get a clear idea of your repayments before spending a Saturday looking at cars. Tell me your likely purchase price, whether you have a deposit or trade-in, and what repayment would feel comfortable. I can compare suitable options across Morella Finance's large panel of lenders, including specialist lenders.
Allow for fuel or charging, comprehensive insurance, registration, servicing and tyres as well as the loan. Include tolls and parking if they're part of your weekly driving. Think about how you'll use the car, from the school run and commute to weekend drives through the Scenic Rim around Boonah or Canungra.
Pre-approval gives you a budget to shop with before you settle on a particular car. Same day pre-approval is possible, depending on your circumstances and the lender. I'll explain any conditions that still need to be met, including approval of the car you choose, before settlement can go ahead.
Car Finance Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$580
per month
Weekly
$134
Total repayment
$34,799
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
What you can finance
Morella Finance can help with new and used cars, whether you're buying through a dealer or directly from an owner. Send me the car's age, kilometres and asking price so I can check which lenders may suit the purchase.
New cars for commuting and everyday driving
Used hatchbacks and sedans
SUVs and family cars
Hybrid and electric cars
Refinancing an existing car loan
Buying from a dealer in Brisbane
Brisbane buyers can compare cars along Ipswich Road in Moorooka's Magic Mile, or around the Gympie Road dealer areas in Kedron and Aspley. Getting your budget sorted first makes it easier to shortlist cars before travelling between the northside and southside.
When you've found a car, send me its details and the dealer invoice. I check the proposed purchase against the lender's requirements and deal with the dealer on the finance paperwork and settlement. You'll have one person to contact for updates while you organise your insurance and collection.
If you're trading in your current car, tell me whether it has finance owing. I can account for the trade-in and any payout when working through the amount you need to borrow.
Buying a car privately in Brisbane
If you've found a car through a private seller in Brisbane, I handle the lender's purchase paperwork and the settlement arrangements.
Get pre-approved, then go and look at the car.
Once you've inspected it and agreed on a price, send me the seller's details.
I contact the seller for ownership documents and run a PPSR search to check whether money is owed on the car.
If the lender requires an inspection, I arrange it. Occasionally a valuation is needed too.
I prepare a private sale invoice for you and the seller to sign.
The lender pays the seller directly. Any existing finance is paid out at settlement.
Once the funds clear, you collect the car.
Money owing on the car isn't automatically a deal breaker. It is paid out at settlement so you receive clear ownership.
Queensland rules and paperwork
If you buy a Queensland registered car, you must finalise the registration transfer within fourteen days. The buyer pays the registration transfer fee and vehicle registration duty where applicable. Some transfers can be completed online, while others need to be handled in person through the Department of Transport and Main Roads.
For a registered car sale that requires a safety certificate, the seller must obtain a current Queensland certificate and give it to you. For private sellers, it remains valid for two months or two thousand kilometres from issue, whichever comes first. For licensed motor dealers, the limit is three months or one thousand kilometres, whichever comes first. A safety certificate checks basic safety standards and does not replace a comprehensive mechanical inspection.
The charge on registering or transferring a car is called vehicle registration duty in Queensland, often referred to as stamp duty. For a used car, it is generally calculated on the higher of the total purchase consideration, including GST where applicable, or the car's market value, unless an exemption applies. Allow for duty when setting your budget, even if you're buying privately.
One broker from enquiry to settlement
You'll speak with me throughout the process. I explain the options, organise the application and keep you updated as the lender reviews it. When it's time to settle, I coordinate with the dealer or private seller so you know what's happening and what you need to do next.
Low-doc options are available for eligible self-employed buyers. If you work for yourself, tell me about your business and the car you're considering, and I'll explain the information the suitable lenders need. No deposit options are also available, subject to your circumstances and lender approval.
Morella Finance is based on the Gold Coast and works with Brisbane clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, to discuss your purchase or ask for a free quote. Asking for a quote doesn't affect your credit file.
FAQs
Rates on our panel start from 6.20% p.a. (comparison rate 6.63% p.a.)*. The rate you're offered depends on your credit history, the car's age and the loan term. Tell us what you're buying and we'll compare lenders to find you the best rate we can. The comparison rate example and warning are at the bottom of this page.
Yes. I can help arrange pre-approval before you shop in Moorooka, Kedron or Aspley, so you have a budget to work with. Final approval still depends on meeting the lender's conditions and the car being acceptable.
Generally, yes, when selling a registered car, unless an exemption applies. The seller must provide a current Queensland safety certificate, rather than leaving you to obtain one after the purchase.
Usually, yes, unless an exemption applies. For a used car, duty generally uses the higher of the total purchase consideration or market value, so a lower agreed price does not necessarily reduce the duty.
No deposit options are available, subject to lender approval and your circumstances. Send me the car details and purchase price so I can check the options and explain any upfront costs you may need to cover.
Yes. I can compare refinancing options and explain whether changing loans makes sense after considering the payout, any applicable costs and the total repayments. A lower repayment over a longer term can mean paying more overall.