Our Finance

At Cars On Terms, we know you live differently, with different types of income, different lifestyles,different needs, and having experienced different situations in you life..

It is because we know this we try to understand you and your situation more then normal lenders.


To us you are not a number, we personalise each and every application, assigning you your own case manager who will personally go through the application with you, to make sure we really understand your situation and what we can do to help you get approved.

Beyond this we work towards solving any credit issues which you may have. This along with with us being a Credit Reference Provider, licensed under the National Credit Act, means that a successfully paid off loan with us should improve you chances of credit in the future. *

We've helped people from all walks of life.

Bankrupts (including part 9 judgement),
Paid and even unpaid defaults,
Single moms and dads,
New arrivals,
people with Good Credit Ratings!

Professionally speaking,

Cars On Terms is a member of the Australian Financial Complaints Authority (AFCA) as well as a  holder of an Australian Credit Licence and Motor Dealers Licence.

So you can be assured of:
1.Quality Vehicles,  Warranty's and a Code of Conduct that are governed by the Property Agents and Motor Dealer's Act.

2. Finance that meets/exceeds the standards outlined by the Australian Credit Act.

So you can see we have both the personal and professional experience, with the qualification to help you and your family achieve the car and finance package that most suits your needs.