Car Finance Options | Freedom Capital Finance

CAR FINANCE SUITABILITY CHECK

Check Your Car Finance Options Before You Apply

Compare options across 50+ lenders and understand what may fit your situation before lodging a formal application. No formal credit enquiry unless you choose to proceed.

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Compare across a broad lender panel

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Understand your options before a formal application

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No formal credit enquiry unless you choose to proceed

Takes around 60 seconds. No obligation.

Best suited for employed or self-employed applicants with a valid Australian driver's licence who are looking to buy or refinance a vehicle.

Prefer to watch first? Here's how the process works.

In under two minutes, Andrew explains how to approach car finance with more clarity before lodging a formal application.

WHO THIS HELPS

Who This Is Designed For

Before you apply, understand what may fit your situation. Whether you are buying, refinancing, or your income structure is not straightforward.

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Buying From A Dealer

Compare your options before accepting the first finance structure placed in front of you.

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Buying Privately

Understand how the finance, timing, and vehicle details may line up before you commit.

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Self-Employed or ABN

Lender fit and documentation can matter. Get the structure checked before lodging a formal application.

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.

Question 1

What type of vehicle are you looking to finance?

Select the option that best applies

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New Car

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Used Car

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Ute / Commercial Vehicle

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Motorcycle / Other

Are you over 18 years of age?

You must be 18 or older to apply for finance in Australia

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Yes

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Do you hold a valid Australian driver's licence?

A current licence is required by all lenders

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Yes

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Are you currently employed or self-employed?

This helps us match you to the right lenders

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Yes

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How are you employed?

Select the option that best describes your situation

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PAYG / Wages (employee)

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Self-Employed / Business Owner

What is your employment type?

Select the option that best applies

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Full-time or Part-time

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Casual

How long have you been in your current casual role?

Lenders require a minimum employment period for casual workers

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Less than 2 months

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2 months or more

Is your ABN more than 6 months old?

Most lenders require a minimum trading history for self-employed applicants

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Yes, more than 6 months

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No, less than 6 months

Do you know your credit score?

You can check for free at creditsavvy.com.au. Selecting an approximate range is fine

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Yes, Over 800 (Excellent)

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Yes, 600 to 800 (Good)

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Yes, 500 to 600 (Average)

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Yes, Under 500 (Below Average)

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I'm not sure

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

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Yes, over $5,000

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Yes, under $5,000

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No defaults or overdue debts

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

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Yes

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Do you spend more than 10% of your monthly income on gambling?

Lenders review bank statements and flag significant gambling transactions

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Yes

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Do you have more than 2 active payday loan or cash advance accounts?

e.g. Nimble, Cash Converters, BeforePay, Wallet Wizard or similar

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Yes, more than 2 active

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Do you have a specific car in mind?

No need to have one yet. This helps your broker prepare for your call

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Yes, I know what I want

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Not yet, still looking

What is your residency status in Australia?

This affects which lenders are available to you

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Australian Citizen

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Permanent Resident (PR)

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I'm on a Visa

How much time is remaining on your current visa?

Lenders require sufficient visa validity to cover the loan term

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3 years or more remaining

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Less than 3 years remaining

What is your current living situation?

This is used by lenders to assess your overall financial position

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I own my home (with or without mortgage)

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I rent

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Living with family / other

If approved, could you find a vehicle and settle within 30 days?

Lender approvals are generally only valid for a maximum of 30 days

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Yes, I'm ready to move

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No, I need more time

One last step — book your free call

Enter your details below to book a quick call with one of our finance specialists.

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This falls outside the lending profile we currently assist with

Based on your answer, this falls outside the lending options Freedom Capital Finance currently assists with through our lender panel. We have stopped the check here so you do not waste time completing a process that is unlikely to suit our current lender panel.

What you can do next:

You are welcome to return in future if your circumstances change.

Questions? Call us on 1300 323 462

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 Eligibility 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.

We compare 50+ lenders to help you find suitable finance options.

Takes around 60 seconds. No obligation.

WHY US

Why Australians Choose Freedom Capital Finance

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Compare 50+ lenders, not just one dealership option

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Guidance for PAYG employees, self-employed borrowers and business owners

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Clear, honest advice from a licensed finance broker

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Support throughout the entire process

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No obligation to proceed

KNOW THE DIFFERENCE

Dealer Finance vs Independent Finance Broker

Dealer Finance

✗ Often limited to one or two lender options
✗ May not provide the broadest comparison
✗ 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

Simply complete the eligibility check above. It takes around 60 seconds and one of our finance specialists will be in touch during business hours to walk you through what options may be available.

Completing the eligibility check does not automatically create a formal credit enquiry. A formal credit enquiry is only completed with your consent if you choose to proceed.

Most people complete the eligibility check in around 60 seconds. Once submitted, a specialist will review your responses and be in touch during business hours.

None at all. Completing the eligibility check is completely free and carries no obligation to proceed. We are here to provide clarity, not to pressure you into a decision.

We compare over 50 lenders including major banks, non-bank lenders, and specialist finance providers. This gives us the ability to identify options that are genuinely suited to your circumstances rather than offering a single product.

Dealership finance is typically limited to one or two products and may not represent the most competitive option available to you. As brokers, we compare over 50 lenders and work on your behalf. You receive genuine choice, transparent information, and expert guidance rather than a product selected for its commission margin.

Yes. We regularly help self-employed applicants, ABN holders and business owners review their finance options. The right lender and structure can depend on your income type, time in business, documents available and overall circumstances.

No. Many clients use this process to understand their budget and finance options before they start shopping. Knowing where you stand can help you negotiate with greater confidence.

Not necessarily. Some lenders offer finance without a deposit depending on your profile. Others may require a contribution. Your specialist will clarify what applies to your situation when they review your eligibility.

Some lenders may provide conditional outcomes the same day where all required information is supplied and the application meets lender criteria. Settlement timing depends on the lender, asset, documents and approval conditions.

We can assist with new cars, used cars, utes, commercial vehicles, and motorcycles. Whether you are purchasing privately or through a dealership, our team can assess your situation and identify suitable options.

One of our finance specialists will review your responses and be in touch during business hours to discuss what options may be available for your situation. There is no pressure to proceed and no obligation at any point.

No. We assist with both dealership and private sale purchases. If you have found a vehicle privately, we can still help you explore suitable finance options before you commit.

Yes. Dealership finance can be convenient, but it may not be the only option available. Comparing first can help you understand what may suit your goals, budget and circumstances before committing.

No. The initial eligibility check helps us understand your situation. A formal application or credit enquiry only happens with your consent.

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.

Australian Credit Licence 541194

50+ lender panel across banks and non-banks

Thousands of Australians helped

Headquartered in Sydney, servicing Australia-wide

Andrew Neofytou, Founder of Freedom Capital Finance

Ready To Check Your Suitability Before You Apply?

Start with a quick suitability check and understand what finance options may fit your situation before lodging a formal application.

No obligation. Formal credit enquiry only with your consent.