Finance Options Melbourne
With the exception of purchasing a home, a motor vehicle is generally the biggest purchase most people will make. It is vital that you choose the right car finance and loan to suit your needs. When dealing with uFinance, you have the advantage of utilising a vast range of products offered by our panel of lenders.
Whether you are looking to upgrade your business equipment, expand your fleet or adopt the latest technology trends, uFinance is here to help. We understand the business structure, cash flow and business growth. Allow us to assist with your personal and commercial finance needs.
Whether you are looking to cruise along the water and need boat finance, or crash through the waves and need jet ski finance or tour around Australia on two wheels and need motorbike finance. We are here to help, with our wide range of lenders offering competitive interest rates and timely approval.
FIND A CAR
Looking for a car or bike but don’t have the time? At uFinance we do all the groundwork! With extensive experience in the motor industry we can provide you with independent advice on all vehicle types. Simply tell us what car or bike you are looking for and we will find it for you.
uFinance provides a range of personal and business insurance solutions for you and your vehicle. We are affiliated with some of the largest insurance companies in Australia to ensure your peace of mind.
What Our Clients Say.
Magnificent service, minimum fuss, responsive, expedient. Committed to customer service, uFinance was fantastic. No hard attempt to cross sell etc. All round delightful experience.
The uFinance Team were amazing and I highly recommend them. Great communication at all times, and they went out of their way to make sure the process was quick and easy. I’m loving my new ride!! Thanks Team!
Stephanie at uFInance has been fantastic to deal with. She made the process so easy and with no stress at all. Highly recommend her services in seeking the best car loan possible that suited our needs.
Stephanie and Greg at uFInance got us the personal loan we needed even though we were a complicated case. We are so grateful with what they achieved for us and how hard they worked!
Thank you so much to uFInance for being so helpful and quick in helping me get finance for my new car. and also for answering all of my stupid questions lol. Thank you again for all of your help. Definitely recommend to all of my friends and family.
It took one phone call on a Tuesday afternoon to get the ball rolling. By Wednesday morning we were pre approved for a car loan. That same day, we bought a new car! Before we knew it, we were driving out of the car lot in our brand new car. Thank you uFinance for your wonderful service, advice and assistance.
Thank you to uFinance for assisting our Company to purchase 3 amazing vehicles. Your professionalism and customer service was outstanding. You made sure that we were looked after every step of the way. I would have no hesitations in referring you business.
Thank you to Tony for the most amazing, supportive and exciting experience. The process was made quick and easy to purchase my new car. I strongly recommend the team at uFinance for anyone seeking financial assistance. Satisfied customer!!!
A big shout out to uFinance who really took care of me with getting me the best set up to meet my needs. Thank you also for helping me to understand all the things that I didn’t (Haha there were many) super awesome experience and will be recommending you to everyone!
uFinance were an excellent help funding our two new company cars, by far the most pain free / speedy process yet and happy to be with you guys for more years to come.
Friendly service. Fast approval and no messing around. A pleasure to deal with and will always opt to finance with uFinance. The team very helpful through the entire process and always available to answer my calls.
Frequently Asked Questions
Can I pay out my loan early?
Yes! Many of our loan options and partners allow for your loan to be paid out early.
How much can I borrow?
Our team has the ability to maximise each customers lending capacity, loan amount often depends on the customer and can be identified once your finance application is assessed.
How long does the finance process take?
The finance process can be completed within 24 hours, we have an experienced team ready to work with you.
What’s the best rate I can get?
With access to over 25 lenders, we have the ability to source the most competitive rate to suit your profile and finance application.
What’s the longest term duration I can get?
As a consumer you may have the option to receive loan terms from 1 – 7 years depending on individual circumstances and the selected lender.
What documentation do I need to get financed?
To start your finance application we will require your licence and two current payslips.
Can I refinance my loan?
Yes! Most loans can be refinanced, however, depending on how long you have already had your loan for, it may not be worth your while. Our team can discuss this with you further.
What are the start-up, keeping and early termination fees?
Depending on the lender that suits your needs best, the fees will vary. Some lenders require monthly keeping fees whilst other lenders have no early termination fees. Our team can provide detailed information over the phone regarding fees.
Can I get a Low Doc loan?
A low doc loan requires minimal financial documents to receive finance. To be eligible for a low doc loan you need to be asset backed or minimum 20%, plus have an ABN.
Consumer vs commercial loans?
A consumer loan is for those customers searching for a personal car loan. A commercial loan is for customers using the vehicle predominantly for business use; commercial loans also have tax benefits.
What’s the highest balloon payment I can get?
The maximum balloon available to consumers is 40%, however this is dependent on the age of the vehicle, the lender and various other factors.
Secured vs unsecured loans?
Secured loans are loans that use a consumers assets as security in the event repayments cannot be made. An unsecured loan does not require any asset security but generally incurs a higher rate.
Can I do my finance application on the phone?
Yes! You have the option to complete the entire finance process over the phone and via email. We do not need to meet with you in person and therefore can finance customers interstate.