📞 1300 323 462
CAR FINANCE SUITABILITY CHECK
See your real car finance options across 50+ lenders.
Before you sign with the dealer. Before the bank wastes 3 weeks. Before you commit to the car.
Takes around 60 seconds. No obligation.
WHO THIS HELPS
Who This Is Designed For
Not sure if this is right for you? See which situation fits.
🚗
Buying From A Dealer
About to walk into a dealership? See your real rate first so you can negotiate from a position of strength — not accept whatever they put in front of you. Dealer finance desks are typically limited to 1-2 lenders.
🔑
Buying Privately
Found a car on Marketplace or Carsales? Private sales need a different finance structure than the banks are built for. We sort it in days, not weeks — so you don't lose the car.
💼
Self-Employed or ABN
ABN income confuses big banks. We work with lenders who actually understand sole traders, contractors, and complex structures — first application, structured properly, no back-and-forth.
Takes around 60 seconds. No obligation.
SUITABILITY CHECK
Start With A Quick Suitability Check
Answer a few quick questions so we can understand your situation and identify what options may be worth reviewing. This is not a formal credit application.
No obligation. A formal credit enquiry is only completed with your consent.
What type of vehicle are you looking to finance?
Select the option that best applies
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
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
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
How much time is remaining on your current visa?
Lenders require sufficient visa validity to cover the loan term
What is your current living situation?
This is used by lenders to assess your overall financial position
If approved, could you find a vehicle and settle within 30 days?
Lender approvals are generally only valid for a maximum of 30 days
One last step — book your free call
Enter your details below to book a quick call with one of our finance specialists.
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]
CLIENT REVIEWS
Trusted by Australians Nationwide
Join Australians who compared their finance options before committing.
HOW IT WORKS
How The Suitability Check Works
A structured way to understand your options before lodging a formal application.
Quick Suitability Check
Answer a few questions so we can understand your situation.
We Review Your Position
We consider your goals, income type, and current circumstances before discussing suitable options.
Options Compared
We compare options from a panel of 50+ lenders where appropriate.
You Decide Next Steps
No obligation to proceed. A formal credit enquiry is only completed with your consent.
Takes around 60 seconds. No obligation.
WHY US
Why Australians Choose Freedom Capital Finance
Compare 50+ lenders, not just one dealership option
Guidance for PAYG employees, self-employed borrowers and business owners
Clear, honest advice from a licensed finance broker
Support throughout the entire process
No obligation to proceed
KNOW THE DIFFERENCE
Dealer Finance vs Independent Finance Broker
Dealer Finance
- ✗ Often limited to one or two lender options
- ✗ Limited lender panel — typically just 1-2 options
- ✗ Designed to support the vehicle sale
Freedom Capital Finance
- ✓ Compare 50+ lenders
- ✓ Understand your options before committing
- ✓ Recommendations tailored to your circumstances
Takes around 60 seconds. No obligation.
FREQUENTLY ASKED QUESTIONS
Questions We're Commonly Asked
Meet the Founder
Andrew Neofytou
Founder, Freedom Capital Finance
Andrew is the founder of Freedom Capital Finance. His mission is to help Australians understand their finance options with greater clarity before making important decisions.
Rather than pushing applications blindly, we take the time to understand your situation and compare over 50 lenders to identify suitable options for your circumstances.
Our philosophy: Clarity before commitment.
Ready to see your real options?
60 seconds to find out what you'd qualify for across 50+ lenders. No formal credit enquiry unless you choose to proceed.
No obligation. Formal credit enquiry only with your consent.