📞 1300 323 462
CLARITY BEFORE YOU COMMIT
You researched the car for weeks. You'll decide the finance in twenty minutes.
That twenty-minute decision could shape your repayments for years. Before you sign, see what else is possible across 50+ lenders — with the structure explained in plain English, not dealership fine print.
Takes around 60 seconds. No obligation.
What are you looking to buy or refinance?
Select the option that best applies
One of our brokers will call you to go through your options. Happy to proceed?
This is a real conversation with a licensed broker, not an automated quote. We will compare 50+ lenders and walk you through what suits you
Just so we're clear, we're a broker service. No call means we can't help. Still a no?
A broker speaking with you is how we compare 50+ lenders and get you the right deal. There's no instant number at the end of this, it's a real conversation or nothing
Last step — let's get your details
Enter your details to see your finance options across 50+ lenders.
Are you over 18 years of age?
You must be 18 or older to apply for finance in Australia
Do you hold a valid Australian driver's licence?
A current licence is required by all lenders
Are you currently employed or self-employed?
This helps us match you to the right lenders
Which best describes your current income situation?
This helps us identify the right lenders for your circumstances
How are you employed?
Select the option that best describes your situation
What is your employment type?
Select the option that best applies
How long have you been in your current casual role?
Lenders require a minimum employment period for casual workers
Is your ABN more than 6 months old?
Most lenders require a minimum trading history for self-employed applicants
Do you know your credit score?
You can check for free at creditsavvy.com.au. Selecting an approximate range is fine
Do you have any defaults or overdue debts listed on your credit file?
Be as accurate as possible. This helps us find the right lender
Have you had more than 2 dishonoured payments or reversed direct debits in the last 90 days?
This includes any bank payments that failed or bounced
Do you spend more than 10% of your monthly income on gambling?
Lenders review bank statements and flag significant gambling transactions
Do you have more than 2 active payday loan or cash advance accounts?
e.g. Nimble, Cash Converters, BeforePay, Wallet Wizard or similar
In the last 90 days, how many times have you used a pay-advance or short-term lender?
e.g. BeforePay, MyPayNow, Wallet Wizard, Cash Converters or Nimble. Count every advance, even ones already paid back and closed
Do you have a specific car in mind?
No need to have one yet. This helps your broker prepare for your call
What is your residency status in Australia?
This affects which lenders are available to you
What type of visa are you currently on?
Different visa types have different lender requirements
How much time is remaining on your current visa?
Lenders require sufficient visa validity to cover the loan term
Are you looking to purchase within the next 30 days?
Lender approvals only last 30 days and each submission involves a credit check. Rates and repayments can change with each new submission, so we only apply when you are ready to buy
Great news — you're a match! 🎉
Book your free call with one of our finance specialists below.
This may not be the right fit right now
Based on your answers, we may not be the right finance solution for your situation at this stage. Rather than waste your time on a process unlikely to suit our current lender panel, we've stopped the check here.
What you can do next:
📅 Circumstances change — feel free to come back in 3-6 months if your situation improves.
📞 Want a second opinion? Call us anyway on 1300 323 462 — we can often point you in the right direction.
✉️ Have a quick question? Email [email protected]
WHO THIS HELPS
Who This Is Designed For
Serious buyers who want to understand their finance before they sign — not chase a headline rate. See which situation fits.
🚗
Buying From A Dealer
The dealer is showing you one pathway — the one attached to selling the car. See your real options first so you walk in knowing whether their offer actually stacks up, instead of deciding in the twenty minutes after you've fallen for the car.
🔑
Buying Privately
Found a car on Marketplace or Carsales? A private sale has no finance manager handling the backend, and banks aren't always set up for it. We structure it properly so you don't lose the car while the paperwork drags.
💼
Self-Employed or ABN
Your income makes sense in real life, even if it looks messy on a standard bank form. Your situation isn't the problem — applying blindly is. We know which lenders suit self-employed and ABN profiles, and how to position the application properly.
Takes around 60 seconds. No obligation.
CLIENT REVIEWS
Trusted by Australians Nationwide
Join Australians who understood their options before they committed.
HOW IT WORKS
The Clarity-First Finance Method
Most finance is built around getting a fast "yes." This is built around the opposite order: understand your options first, apply second.
Where You Stand
A free review of your goals, budget, the asset you want, and what you can comfortably repay — before anything is lodged.
Compared Across 50+ Lenders
Real options across a panel of more than 50 lenders, not one dealer pathway or one bank's own products.
Plain-English Breakdown
Structure, repayments, term, fees, and any balloon explained clearly — so there's no fine print you didn't understand.
Credit-Safe Decision Point
No formal credit enquiry is lodged until you give the go-ahead. You see your options with your credit file protected.
Prepared & Supported
Once you consent, your application is positioned and prepared properly, then supported through to approval and settlement.
Takes around 60 seconds. No obligation.
WHY US
Why Australians Choose Freedom Capital Finance
Options compared across 50+ lenders — not one dealer pathway or one bank's own products
Structure, repayments, term, fees and any balloon explained in plain English
Built for PAYG employees, self-employed and ABN holders, families, tradies and business owners — whether you're buying or refinancing
No formal credit enquiry until you choose to proceed
An honest "no" if there isn't a suitable pathway — never a push into an application
KNOW THE DIFFERENCE
Dealer Finance vs Independent Finance Broker
Dealer Finance
- ✗ Typically limited to one or two lender options
- ✗ The option shown can reflect what's easy to sell, not your best fit
- ✗ Built to support the vehicle sale, not to compare the market
Freedom Capital Finance
- ✓ Options compared across 50+ lenders
- ✓ Structure and repayments explained in plain English
- ✓ No formal credit enquiry until you choose to proceed
Takes around 60 seconds. No obligation.
FREQUENTLY ASKED QUESTIONS
Questions We're Commonly Asked
Meet the Founder
Andrew Neofytou
Founder & Director, Freedom Capital Finance
Andrew founded Freedom Capital Finance on a simple idea: the car isn't where most people make the mistake — the finance is. His mission is to help everyday Australians understand their options with real clarity before they commit to anything.
Rather than chasing a fast approval, we start by understanding your situation, then compare options across 50+ lenders and explain the structure in plain English — so you make an informed decision, not a rushed one.
Our philosophy: Clarity before commitment.
Get clarity before you're locked in
Sixty seconds to see what's possible across 50+ lenders, explained in plain English. No upfront cost, no obligation, and no formal credit enquiry until you choose to proceed.
Either you find a better-fitting pathway, or you leave with clarity and zero cost.