Pre-Approval Car Loan

Get pre-approved for a new or used car loan with Financfy’s fast, 100% online car loan pre-approval process.

“Financfy made everything so easy and achievable. Best outcome with very efficient time. Thanks again and keep up the good work!”

Philip Sheanoda
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Google Reviews 5.0 Rating
Get qualified in 5-10 minutes

Secure Car Loan Pre-Approval with Financfy

Pre-approval or conditional car finance approval is a great way to understand your borrowing power and improve your negotiating clout with the dealer when buying a new car. With pre-approved car finance, you’ll have 30 to 90 days (depending on the lender) to find your ideal vehicle before finalising finance approval. Whether you’re looking for a personal vehicle or a new work car for work, car finance pre approval is a great way to keep your finances in check when shopping for your next car.

Lender Comparison Rates

LenderLoan AmountLoan TermInterest Rate (APR)Comparison Rate (APR) 
Azora
$30,00060 months8.8%10.09% Get Rates
Branded
$30,00060 months7.89%9.51% Get Rates
Firstmac
$30,00060 months6.89%8.51% Get Rates
Resimac
$30,00060 months6.89%8.51% Get Rates
Metro
$30,00060 months7.85%9.42% Get Rates

How it Works

1. Fill out an enquiry form

Get started by filling out an online enquiry with some personal details and some information about the vehicle that you are looking to purchase.

2. Upload your documents

Once you have submitted your application, our team of brokers will be in touch to request some important personal information that you can upload through our secure online portal.

3. Get pre-approved

Once we have reviewed your documents, we will advise on your borrowing power and look to secure pre-approval for car finance within 24-hours.

4. Choose your new car

Once you have been pre-approved, you can then head to the dealerships to negotiate the best possible deal. You can request a sales invoice and other documents from the dealer so that we can lock in your finance with your chosen lender.

Car loans that are pre approved

“Thank you Financy! Your prompt, reliable and efficient service was above and beyond. You made the whole experience so easy from application to approval. Highly recommended!”

Rafik Elmasri
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Find your best car loan, faster.

  • Borrow from $5,000 to $500,000 for approved lenders
  • Loan terms from 6 months to 7 years!
  • Tailored repayment options that work for you
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Mina was incredibly helpful with getting me approved for my car loan, Communication was always there and was super quick to get everything ready from when i bought the car right through to me picking it up. Couldn’t recommend him enough!

Rodrigo Enriquez

Thank you Financy! Your prompt, reliable and efficient service was above and beyond. You made the whole experience so easy from application to approval. Highly recommended!

Rafik Elmasri

Thank you for all your help and perseverance along with the personal touch you have brought to the process. Your professionalism, patience, efficiency, friendliness and fast, regular communication are all very much appreciated.
I know we are not your only customers but you have made us feel that we are and that is a rare thing to find.

Milad Ibrahim

Mina helped me with my first car purchase and got a better price than what I shopped for. He was able to get me the best finance package that suited my requirements. Process was smooth, quick, and easy. Approval was obtained in a timely manner.

Sara Kolta

Best broker I’ve ever met, sorted the entire process out and pulled off the impossible. Couldn’t recommend more highly and will always use his services wherever possible. 1000/10

Kevin Fernandopulle

Mina was Amazing.. he helped us buy our family car at a really good rate.. highly recommended.

Manuel Abdo

“I had an exceptional experience working with my broker for my car loan. They went above and beyond to ensure that I not only got a great loan deal but also understood the entire process. Their professionalism, knowledge, and attention to detail were truly impressive. Thanks to their expertise, I was able to secure the financing I needed with ease. I highly recommend Mina to anyone in need of financial assistance or guidance. They are a true expert in their field and made the entire process a breeze. Thank you!”

George Michail

Best service ever, thank you so much Mina for your professional service and support. You make everything so easy and achievable. Best outcome with very efficient time. Thanks again and keep up the good work!

Philip Sheanoda

Excellent service and great experience

Ehab Ibrahim

I’m so happy He’s very honest and hes very professional

Ahmad Soboh

Great service that delivers desired outcomes in the most efficient and professional manner.
Thank you so much for your service!

Mina Girgis

Highly recommended! Professional service and excellent communication. Perfect outcome for us

Rimon Ayoub

Very helpful, and totally understand the fine details to achieve my target financial goals

Mag Mostafa

Mina is an amazing broker. I was originally declined by Toyota’s financing and Mina had the loan approved within a few hours. I couldn’t recommend him more.

Emma Campbell
Google Reviews 5.0 Rating
Get qualified in 5-10 minutes

Frequently Asked Questions

What is car loan pre-approval?

Car loan pre-approval is a conditional agreement from a lender whereby they agree to lend you a certain amount of money subject to a final credit approval and a dealer invoice. For buyers, pre-approval shows the dealer that you are a ‘buy-ready’ customer which improves your position when negotiating.

Getting pre-approved for a car loan means that you know exactly how much you can borrow before you start shopping for a new car. By understanding your budget, you can narrow your focus on vehicles that fall within your budget and ensure that you don’t get your heart set on something outside your budget. For buyers shopping through dealers, pre-approval also deters dealers from upselling products by knowing that you have a firm budget that you need to stick with.

From your initial enquiry, our team of brokers will begin to compare loan products from different lenders with the intention to get you pre-approval within 24-hours. The exact time frame will depend on your unique circumstances as well as how quickly you can provide pertinent financial information.

No, it’s important to remember that whilst pre-approval can strengthen your position as a buyer, it does not guarantee you the loan. Pre-approval for car finance is a conditional agreement from the lender and is still subject to further checks on your credit score, employment status, debt-to-income ratio, as well as all of the normal checks that go into getting a car loan. A pre-approval provides valuable financial information that can guide purchasing decisions, however, it’s important to remember that the loan is still subject to final approval from the lender.

Car finance pre approval is generally valid for a period of 30 to 90 days depending on the lender. We recommend applying for vehicle finance pre-approval once you are in a buy-ready position so that the approval period does not expire before you are ready to make a purchase.

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