Car Loan Refinance

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It’s your choice!

  • Before deciding to refinance your existing car loan you need to take into consideration the advantages and disadvantages of car loan refinancing so as to make an informed decision on what’s suitable to your needs and objectives. Contact our experienced finance consultants on 1300 350 118 to discuss your car loan refinance options.   

    Having the right person on your side is essential in gaining a suitable car refinance loan.


  • If you decided on the first loan approval provided and didn’t compare, chances are you may be paying more in interest over the loan term than you should and refinancing into a lower interest rate loan can help save you in the long term, however before refinancing you need to consider the type of loan product you have, any early termination fees and charges your lender may have as this may reduce any savings in interest.

Repayments / Changes in financial situation

  • The main reason people refinance their existing car loan is to reduce repayments. This can be the result of changes in their job and their income has reduced, changes to their employment status and they are now contracted or self employed, have an addition to the family, their partner has ceased working or have overcommitted themselves when purchasing the vehicle. A car loan refinance can assist in reducing the monthly commitment.

Residual / Balloon Repayment

If you’ve repaid your existing car loan and now have a lump sum / balloon repayment due, a residual refinance car loan may be suitable if you wish to keep the vehicle. Residuals or balloon payments can be refinanced over an extended period at payments suitable to you, however you need to take into consideration factors that might have changed since you started the original loan contract. The lender may offer a different interest rate as the vehicle is now aged, they may want a shorter loan term or if your employment situation has changed, ask for further information to assess your loan application. You need to consider the pro’s and con’s of refinancing a residual / balloon so you can make a decision that’s suitable to your needs.

To obtain a car loan refinance, you will need to complete a loan application which will record a credit enquiry on your personal credit file. APPLY NOW.


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To help with your car refinance application, see below items that are generally required to help gain a suitable answer.


For an obligation free quote or to discuss your car loan needs

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 Personal Use Car Refinance

  • Payslips
  • Loan Statements 
  • Driver’s Licence or
  • Photo ID

ABN Van Loans, rent to own

Business Use Car Refinance

  • Tax Return or
  • BAS or
  • Accountants Letter
  • Current Car Loan Statement
  • Driver’s Licence or
  • Photo ID

Apply for your Car Refinance 

iCREDIT car loan refinance and vehicle finance is provided Australia wide including QLD, Gold Coast, Brisbane, Sunshine Coast, Cairns, NSW, Sydney, Coffs Harbour, VIC, Melbourne, Bendigo, SA, Adelaide, WA, Perth, Kalgoorlie, NT, Darwin, Alice Springs, TAS, Hobart, Launceston, ACT, Canberra