1300 361 360

Get answers to the questions you have.

Our aim as asset finance specialists is to guide and reassure you through the entire process of getting a loan and you dedicated finance specialist will answering any questions that your have along the way.

We have complied a list of some of our most frequently asked questions and answers to help you get the answers you need to common questions. We also have our Online Chat function available (see bottom right of this screen) for you to speak to a Customer Service consultant during the hours of 7am – 9pm Monday to Friday and 8am – 12noon on Saturdays.

  • Will your process leave a “hit” on my credit profile?

    One of the advantages of using a finance broker is that you will have access to a range of lenders and loans and won’t be restricted to a single option as is the case with most of the banks. 360 Finance will carry out a thorough review of your application before we submit it to a lender for pre-approval which lets you know how much you are able to borrow.

    Our review does not have an impact on your credit file.

    Once your application has been submitted, the lender will undertake a review of your credit profile as part of their standard processes which will then leave a “hit” on your file. This check assists the lender to determine the interest rate that they can offer you once they have completed all the other checks – such as verifying your income and expenses – related to your application.

    If you were to access the same range of lenders available to 360 Finance directly to try and achieve the lowest rate, each of them would undertake their own review of your credit history. This would in turn leave multiple “hits” on your file that may dramatically reduce your ability to obtain finance in the future.

  • I’ve been bankrupt in part 9 or part 10, will I be able to get approval on finance?

    We may need to ask for more information from you but being bankrupt does not preclude you from being considered for finance. We have access to a wide range of lenders and specialised products for people who have had previous financial blemishes.

  • I’ve just arrived in Australia, Can I get Finance through 360?

    We have access to loans for new & temporary arrivals. As long as you meet the lenders other guidelines, being new to Australia won’t stop you from getting approved.

  • I’ve been declined elsewhere, should I apply again?

    We won’t ever put an unnecessary credit check on your file unless we are confident that an approval will be given. With many lenders and even more products to choose from, by dealing with us you have access to loans covering nearly every situation. Why not speak with us today and find out.

  • I’m on a learners permit, can I still get finance?

    As long as you’re 18 years old & you meet the lenders other guidelines you will be able to be considered for finance on a Learners Permit.

  • I’ve got a finance quote elsewhere, should I still get a quote from you?

    As Australia’s largest online broker, we have access to lenders, products & rates which are not available to other brokers & most dealers. It only takes a quick phone call and we’ll be able to work out whether it is worthwhile for you to apply with us. We’ll only take your details if we’re sure that you will save by doing so.

  • Can I buy from a private seller?

    Of course you can. We will even carry out all the checks to make sure you’re protected and any finance owing on the asset is paid out at settlement.

  • I’m self employed with no financials. Can I get finance?

    Most certainly. Several of our finance partners have products designed just for this situation. And the great thing with these products is there is no loading to the interest rate because you don’t have financials or tax returns. Our Finance Consultants will be able to advise you over the phone whether you qualify for these products.

  • Do You Finance Anything Other Than Motor Vehicles?

    360 Finance are asset finance specialists, that means we can provide you with the same low rates that we do for cars on boats, caravans, trucks, machinery & equipment. If it has wheels or it can float we can finance it for you.

  • How Long Does The Finance Process Take?

    In nearly all situations everything can be completed over the phone & email and settlement can take place the very same day an enquiry is made. We have customers all over Australia and we are able to make things very easy for our customers and ensure a smooth, hassle free transaction.

  • What does 360 Finance Guarantee?

    We work tirelessly to provide the most competitive car loans with very affordable repayments, inclusive of all fees & charges, than all of our competitors. If we don’t deliver on this promise we will gladly pay you $50 to reimburse you for your time & effort.

  • Why Use 360 Finance?

    We are Australia’s number 1 online car finance broker for reasons that our competitors can’t match – 360 Finance has more lenders, more products, lower interest rates & better customer service. This is not just more of the lip service you read about all over the internet. Put us to the test today with an obligation free quote now and see for yourself.