FINANCE YOUR NEXT WORK VEHICLE FROM A PRIVATE SELLER -
FAST, EASY &
DEALER FREE
Get approved in 24–48 hours. Compare 40+ commercial lenders.
No dealership markups. No wasted time. No pushy salespeople.
FREE pre-purchase vehicle inspection
FREE tank of fuel upon settlement
1.3 or 5 year warranty options available
Best rate guarantee - we compare 40+ lenders
Private seller safety checks included - PPSR + ID Verification
🔒 Secure & confidential application
⭐ 1,200+ approved business owners
⚡ Lightning-fast turnaround
Why Business Owners Choose Lyft Money
Trusted by 1,200+ approved clients Australia-wide.
No pushy dealerships. No markups. Just fast, fair finance.
Rated 5.0 by Business Owners across Australia
You Deal with Real People
Every loan is handled by a real specialist - no offshore call centre, no bots, no dealership pressure.
Compare 40+ lenders. Fast turnaround. No dealership markups.
WHAT YOU GET WITH LYFT MONEY
Everything You Need to Buy From a Private Seller — Without the Risk, Stress or Delays
We’ve helped over 1,200+ business owners finance work vehicles nationwide.
Here’s exactly what you get when you choose Lyft Money:
Free Pre-Purchase Vehicle Inspection
We organise a free safety check, PPSR search and mechanical inspection — all included.
No surprises. No hidden problems. Total peace of mind before you buy.
Free Tank of Fuel on Settlement
A small thank-you from us — and a great way to kick off your new work vehicle.
Fast Approvals in 24–48 Hours
We compare 40+ commercial lenders to get your business the best rate, with zero dealership markups or pushy salespeople.
1, 3 or 5 Year Warranty Options Available
Protect your investment with flexible warranty choices for private-sale vehicles.
Private Seller Safety Checks Included
PPSR
ID verification
Finance payout validation
Seller legitimacy checks
No Dealership Markups — Ever
Because you’re buying from a private seller, you save thousands.
Because we compare 40+ lenders, you save even more.
Frequently Asked Questions
Here's what we usually get asked
Does filling in your form hurt my credit score?
No filling in our online form, getting pre-approval or a quote only uses a soft check.
What documents do I need?
Typically: ID (driver’s licence, medicare), proof of income (payslips or bank statements)
Do I need a deposit?
Not always. No-deposit car finance is common, though a deposit reduces your repayments and interest.
Can I get finance with bad credit?
Yes. Bad credit car loans are available, though rates may be higher or require a deposit. Lenders focus on your current ability to repay.
Who can apply for car finance in Australia?
You must be 18+, an Australian citizen or resident, with a regular income.
How long does approval take?
Most of car loans are approved Same Day if documents are ready.
What interest rate will I pay?
Car loan rates in Australia vary from ~5% for strong applicants to 10%+ for higher risk. Used vehicles may attract slightly higher rates.
Can I pay my car loan off early?
Often yes. Some lenders charge an early payout fee, but others allow extra repayments with no penalty.
Are repayments fixed or variable?
Most car loans are fixed, meaning your repayment doesn’t change. Variable loans exist but are less common.
Do I own the car under finance?
Yes, your name is on the rego. The lender only holds a security interest until the loan is repaid.
Can I get finance without full financials?
Yes. Low-doc loans are available for self-employed or startups using BAS, bank statements or accountant letters.
What happens at the end of my loan?
With no balloon – you own the car outright. With a balloon – you can pay, refinance, or trade in your car to cover it.
Can I sell or trade-in during the loan?
Yes. The loan must be paid out first.
What’s the benefit of pre-approval?
Car loan pre-approval gives you a clear budget and bargaining power when shopping. It makes buying faster and reduces reliance on dealer finance.
Dealer finance vs broker or bank – what’s best?
Dealers are convenient but may add hidden costs. Banks are straightforward but rigid. Brokers like Lyft Money compare multiple lenders to find you the most competitive car loan in Australia.
How does car finance work?
A lender pays for your vehicle upfront and you repay in set instalments (weekly, fortnightly or monthly). With a secured car loan, you own the vehicle while the lender holds it as security.
Can I finance a used car, ute or truck?
Yes. Most lenders in Australia offer used car and truck loans, often up to 12–15 years old. Rates may be slightly higher than new vehicles, but finance is available.
Why finance instead of paying cash?
Finance spreads the cost, preserves savings, and lets you get on the road sooner. You’ll pay interest, but repayments are fixed and predictable.
What’s the difference between secured and unsecured loans?
A secured car loan uses the vehicle as security, giving you a lower rate. Unsecured loans don’t use the car as collateral, but come with higher interest.