Found a pre-loved car that’s right for you? Ready to start shopping for a used car? We can help you finance it by getting you pre-approved so you can shop with confidence.

At SB Finance we can help you get the right used car loan that will suit you and your needs. We can assist you with every step of the process and will ensure a smooth application and settlement process.

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. With hands on dealership experience, we can also assist and guide you through the buying process.

We can work with all applicants including defaults, bad credit, no financials, work visa, first borrow, self-employed and casual employment

SB finance does not offer personal advice and aims to provide information which is factual and in-line with lenders requirements and a customers best interest. We encourage you to  to seek independent legal and financial advice before proceeding. our credit guide and Privacy disclosure is available on our website. 

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

At SB Finance we have access to a very large panel of lenders that can lend from $5,000 to $250,000. The total amount borrowed will vary depending on an applicant’s financial position, age of vehicle, application and meeting lenders guidelines.  Speak to one of our team for a free assessment!

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 finance your a used vehicle. 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 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 asset can be financed

· Balloon payment options available

· Fixed interest repayments for the term of the loan

· Term options from 1-7 years

· Purchase new, used, dealer or private.

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

· Low-doc products available

· Ability to claim the interest and depreciation if the asset is used to generate an assessable income

· Vehicle is owned registered by the borrower.

· Helps with cash-flow

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

Yes! With access to some of Australia’s largest lenders, we do have lenders on our panel that will consider bad credit or defaults subject to the application. Speak with our team to find out more!

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.