Your deal, re-quoted
Existing rate, balance and term taken to lenders for a competing offer.
Refinance
Rate versus term
We show what changes when you shorten, extend or restructure the term.
Balloon relief
Options for a looming balloon payment before it becomes a crisis.
Total cost, in writing
Every quote states the total cost of credit, not just the instalment.
Refinance, handled properly.
If your credit profile has improved since you signed, or your instalment no longer fits your budget, refinancing can reduce what you pay. We take your existing agreement to lenders and compare what they will offer.
Find a dealA clearer way to refinance
Refinancing should be judged on total cost, not only on a lower monthly instalment. We make room to compare the interest rate, remaining term, fees, settlement amount and any balloon payment alongside the monthly figure.
A lender makes the final decision after reviewing your application and affordability. We help you understand the information needed for that assessment so you can compare a new offer with the agreement you already have.
What's included
Lender comparison
Your profile presented to multiple registered credit providers.
Instalment modelling
See the effect of rate, term and deposit changes side by side.
Balloon and residual options
Refinance, settle or restructure a balloon payment coming due.
Affordability review
An honest look at whether refinancing actually helps your position.
How it works
Share the agreement
Current lender, balance, rate, term and instalment.
We approach lenders
Registered credit providers quote on your profile.
Compare total cost
Not just the monthly figure — the full cost of credit.
Switch or stay
If nothing beats your current deal, we tell you plainly.
Questions about refinance
Will refinancing always save me money?
No. Extending a term can lower the instalment while increasing total interest. Every quote shows both figures.
Does applying affect my credit score?
Lenders perform credit enquiries when they assess you. We only submit your details to lenders you consent to.
Can I refinance a car older than ten years?
It depends on the lender's age and mileage rules. We will tell you quickly if the vehicle does not qualify.
See our terms, privacy policy and disclaimer.
Other ways we help
New vehicles
Brand-new stock and demo units sourced from franchise dealers at the spec you ask for.
Used vehicles
Pre-owned options matched to your budget, mileage limits and must-have features.
Trade-ins
We take your current car's details to partners and bring back competing trade-in offers.
Insurance
Comprehensive cover quotes arranged alongside your deal so you drive away covered.
Credit assistance
Guidance on affordability and credit profile, plus partners who work with thin files.