We can find the right car loan for you

Oxcel focuses on finding personalised car finance solutions for everyday people

If you’re looking to buy a used or new vehicle for personal use or business, our team of experienced financial professionals can help you decide on the tailored auto finance for you. Obtaining funds to purchase your dream car does not have to be a stressful and confusing process. At Oxcel Finance, we make the financing process convenient, paperless and tailored to your need

You have the options of applying for either a consumer car loan or a personal loan to finance your dream vehicle. Don’t hesitate to talk to us to get a complimentary consultation on the right finance for you

Why Choose Us?

There are many reasons why Oxcel Finance is a good choice. We have professional and experienced staff of finance brokers to assist you in making the suitable financial decision. In addition, we are accredited with a wide range of mainstream and alternative asset finance lenders to find a competitive and personalised offer for our clients

We provide financing for the following:

Personal or Business Cars
Buses
Mini Vans
Semi-trailers
Lorries
Dump trucks
Tow trucks
Box trucks
Truck tractors
Flatbeds
Prime-movers
Articulated vehicles
Concrete transporters etc

Our auto financing comes with the following benefits:

Efficient and convenient application process
Low Interest Rates
Fixed Rates for Low-Doc/No-Doc Loans
Affordable Repayments
Suitable Terms
Private purchases or Dealerships
Dedicated support

Bad Credit Score

Having a bad credit score shouldn’t deter you from securing funds for your dream car. At Oxcel Finance, we understand not everyone will have excellent credit score and that’s why we have the right lenders on panel for people who deserve a second chance. We have helped hundreds of people with bad credit score to secure a loan, and we’ll be glad to help you too

Low-Doc/No-Doc loans for ABN holders

Low Doc or Low Documentation car loans are only available to self-employed applicants or Australian businesses with an ABN (GST registered), who may struggle to demonstrate consistent revenue over the previous two years. It allows businesses to finance a car without the need for full financials. These loans include a number of borrower restrictions and conditions. For example, the car must be utilized ‘primarily’ for commercial activities

Similarly, No Doc car loans are available for GST registered ABN holders. Obtaining a No Docs Car Loan can be difficult, as it may require some down payment. You can sit back and relax as we do all of the hard work for you and get you on the road as soon as possible

Please contact us on 1800 010 001 or Apply Online to get the suitable offers and rates available on the market. We look forward to assisting you in obtaining your dream vehicle!

Car Finance Calculator

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The figures shown in the calculators do not constitute financial advice. Lender policy, term and conditions, fees and charges apply. The results should not be taken as a substitute for professional or finance advice. All reasonable care has been taken in preparing and designing the calculators and tools; however, oxcel finance provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action

Anytime, Anywhere, Anyhow

We’re a real online business. Get an online quote, electronically sign documents and receive / send funds electronically; there’s no need to leave that couch!

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual

Lifetime Support

Don’t get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we’re here for you over the life of your loan

Anytime, Anywhere, Anyhow

We’re a real online business. Get an online quote, electronically sign documents and receive / send funds electronically; there’s no need to leave that couch!

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual.

Lifetime Support

Don’t get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we’re here for you over the life of your loan.

Common Questions About Car Finance

A car loan (which can be referred to as a secured car loan if security is sought by the lender) involves a finance company lending you the money to purchase an asset and retaining security over it for the life of the loan. Car loans can be arranged for both personal use (such as a consumer car loan) or business (such as a chattel mortgage).

By taking out a car loan to finance your next car you can reduce your overall cash outlay which you may want to use for other purposes (such as taking a holiday!). If you’re a business, a car loan may improve your cash flow, as well as potentially allowing you to claim a tax deduction for the car (check with your accountant for eligibility).

There may be tax benefits if you are financing a car for business purposes. Please visit the ATO website, or speak to your accountant to understand potential tax deductions for your specific purposes. If you are considering a novated lease, you can use our novated lease calculator to get an estimate of the potential savings available.

A secured car loan is a relevant option for an individual or business looking to access lower interest rates and has sufficient serviceability. For an employee of a business looking to salary package benefits of their employment, a novated lease may be more appropriate.

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