Car Finance

Broader Finance have a range of Car Finance Options:

Secured & Unsecured Car Loans

Refinance or Restructure of an Existing Loan


Second Chance Finance

Low Doc Loans

Secured and Unsecured Car loans

Broader Finance & Insurance Broking offers a range of finance options including both Secured and Unsecured car loans.

A Secured Loan is most common and is one in which the loan will be secured against the vehicle. Secured Loans generally have a lower fixed interest rate and usually have terms from 1 to 7 years. Benefits of the Secured Loan option include predictable monthly repayments, the ability to leave a deposit or add a balloon (residual value) to reduce repayments.

In the event you decide to sell your vehicle prior to the end of your term, the outstanding loan amount will have to be paid in full releasing the asset from the PPSR registry.

An Unsecured Loan is one where the asset being financed is not secured against the loan. This option is best when financing an older or specialty vehicle and offers both fixed and variable interest rates. The benefit of an Unsecured Loan is the ability to sell the asset without having to pay out the loan prior as the lender does not hold security over the asset.

If you are purchasing the vehicle from a dealership, you may also choose to include the costs of aftermarket products in your loan such as window tinting, personalised plates, or paint and interior protection products. In addition to aftermarket items, we can also provide insurance to protect both yourself and one of your most valuable assets.

If you would like further information on structuring a loan to best fit your requirements our lending experts are only a phone call away to assist and provide you with options tailored to suit your individual requirements.

Refinance or Restructure of an Existing Loan

Are you looking to cut down on your monthly expenses or consolidate existing loans? We can help you to not only restructure existing loans but also refinance residual values or balloons once your loan comes to an end no matter who the current lender is.

Call us to today to discuss all your options available and let’s explore what we have to offer.


Whether you’re looking at insuring your new car or re-evaluating your current policies, we can provide a tailored insurance product to fit your needs. In addition to comprehensive motor vehicle insurance we also offer a wide range of products designed to protect yourself and your investment. Give our experienced brokers a call today for a no obligation quote and have piece of mind knowing you’re in good hands with Broader Finance & Insurance Broking.

Second Chance Finance

We understand that sometimes things don’t go to plan. We can offer solutions to credit related roadblocks which may stand in the way of finance. Even if you’ve been turned down elsewhere, we’re more than happy to discuss your situation and assist in helping you reach your goals.

Low Documentation Loans

If you’re self-employed, a contractor, an investor, a sole trader, or can’t provide the standard proof of income, a Low Documentation Loan may be a good fit for you. With a Low Documentation Loan we can assist in securing a loan with minimal information in the event you are unable to provide the standard proof of income such as payslips, tax returns, or financials.

Whilst the lending criteria has become more regulated since the GFC there are still lenders who are willing to provide finance with minimal documentation along with a self-declaration of earnings. In most cases an ABN will be required as well as an upfront deposit. If more documentation is required, proof of income can be supplied in the form of bank statements, a letter from your accountant or business activity statements.