re-financing car loan or balloon payment

Is your current balloon due and you need to re-finance it? Has your financial situation changed? Or are you looking for a better deal on your current loan?

At SB Finance, we can assist you with re-finance options on your existing car loan.

We have access to a large panel of car and asset finance lenders, allowing us to secure a competitive loan package to meet your requirements.

We may be able to review your existing loan and possibly save you some money or lower your repayment.


Repayment options

Fixed interest repayment for the term of the loan. Ability to make extra payments throughout the loan.

quick application

Our Application process is straight-forward and hassle free. We pride ourselves in being responsive and prompt with processing your application!


Term options from 1-7 years, Low-doc loan options, No deposit loans and Balloon Options.

personalised service

Here at SB Finance we treat everybody like one of the family. We pay attention to the detail and make sure we offer nothing but first class service tailored to your needs!

Frequently asked questions

Yes! you can look at several different loan options including a consumer loan, lease or a commercial asset loan such as a chattel mortgage to re-finance your payout or balloon. Speak to one of our team today to discuss how we can help you get a loan to suit you. We can have an obligation free chat to discuss your requirements and will guide you through the process of what is required to apply.

You sure can! Used vehicles qualify for re-finance commercial loans and sometimes may even work out more budget friendly. Some benefits of a commercial loan such as a chattel mortgage are:

· Full amount of the payout or balloon can be financed

· Fixed interest repayments for the term of the loan

· Sole-trader structure, partnerships, companies, car-allowance employees and trusts can be eligible for this product

· Low-doc products available

When making a decision you should speak with your accountant and seek your own independent advice on what loan product would suit you best.

The financier lends the customer the money to buy a new or used vehicle. It can be secured (the asset as security) or unsecured (higher interest rate). If the vehicle is the security on the loan then it will be required to have full comprehensive insurance. Finance can include on road costs and payments can be fixed with loan terms up to 7 years.  

Depending on the nature of the loan, it could be processed within 24 hours, however turn-around times will depend on the lender and the application. We endeavour to get you processed and approved in the shortest time possible.

There are several ways you can apply, all of which are simple. you can contact us on 1300 172 346 or email to speak with our team. alternatively, you can speak to us via any of our social media platforms or fill in the quick quote form on our page and we can reach out to you.