Lease
Use the car for a fixed term with predictable repayments; choose to upgrade, extend, or purchase at the end (subject to terms).
It’s Free to Speak to an Advisor
At Unconditional Finance, we believe everyone deserves the freedom of driving the car they truly want — without stress, confusion, or endless waiting. Whether you’re upgrading, buying your first car, or expanding your fleet, our experts make finance simple, transparent, and fast.
Our online application takes just minutes, and our finance specialists are ready to help from approval through to settlement. With fast turnaround times and personalised lending solutions, you’ll be driving away sooner than you think.
Every situation is unique — that’s why we offer flexible options like leases, hire purchase, novated leases, and chattel mortgages. We’ll help you compare and choose what fits your lifestyle, goals, and budget.
Use the car for a fixed term with predictable repayments; choose to upgrade, extend, or purchase at the end (subject to terms).
Hire the car while making fixed repayments; ownership transfers to you once the final payment is made.
Salary packaging with repayments made by your employer from pre-tax income — a popular option for employees.
Own the car from day one while the lender takes a mortgage over it; flexible terms and potential tax benefits for business use.
You’re exploring New Car Loans — great choice. If you’re also considering finance for something else (a second vehicle, caravan, boat, business equipment or working capital), Unconditional Finance can help. We compare options from 30+ trusted lenders to find competitive rates, flexible terms, and repayments that fit your plans.
Looking for a reliable used car? We'll find a loan that fits your financial situation and budget—so you can drive away confident that you've made the right choice.
There's nothing quite like the freedom of the open road. With our flexible motorbike finance options, you can own your dream bike sooner and enjoy every ride with peace of mind.
Need a vehicle to power your business operations? Our commercial car and truck loans make it easy to upgrade your fleet or expand your capacity with simple, affordable finance options.
Unconditional Finance offers personal loans for a wide range of purposes—from consolidating debt to renovating your home or taking that long-awaited holiday. Whatever your plans, we'll help you find a loan that fits.
Ready to explore the open road? Our caravan loans provide flexible terms and competitive rates, helping you enjoy your next adventure in comfort and style.
Dreaming of life on the water? Unconditional Finance can make that dream a reality with tailored boat loans designed to suit your budget and lifestyle—so you can set sail with confidence.
Expanding your business or upgrading your equipment? Our equipment and machinery finance options help you secure the tools you need to grow your operations and boost productivity.
If your business is experiencing short-term cash flow challenges, Unconditional Finance can help bridge the gap. Our cash flow and business loans provide the working capital you need to keep your operations running smoothly and seize new opportunities.
We work with 30+ trusted lenders to secure competitive rates that help you save over the life of your loan. Our relationships with banks and specialist financiers mean you’ll always get the best available deal.
Choose between shorter terms for faster payoff or longer terms for smaller, more manageable monthly repayments. We’ll help you design a plan that fits your goals and lifestyle.
Need help finding the right vehicle? Even with long manufacturer wait times, our team can assist you in sourcing your ideal car quickly — helping you save time and get behind the wheel sooner.
Practical benefits that keep your car finance simple, affordable, and transparent.
New & Used Cars
Finance available for new, used, and privately purchased vehicles of any age.
1–7 Year Terms
Choose a loan term that suits your budget and goals.
Early Payout Options
Pay off early with low or no exit fees (subject to lender policy).
30+ Trusted Lenders
Wide lender panel ensures competitive rates and flexible options.
Fixed or Variable Rates
Choose between fixed or variable interest structures based on your needs.
Balloon Options
Lower repayments now with a balloon payment at the end of your term.
Take the first step towards owning your dream car — with confidence, clarity, and expert support every step of the way.
Asset finance helps you purchase or lease vehicles or equipment without paying the full cost upfront — giving you access to the asset while spreading payments over time.
• Chattel Mortgage — You own the asset from day one.
• Finance Lease — The lender owns the asset; you lease it for a term.
• Hire Purchase — You hire while paying off the asset, then own it after the final payment.
• Novated Lease — Your employer makes repayments from pre-tax income.
Preserve cash flow, access the latest vehicles and equipment, enjoy potential tax benefits, and tailor repayment terms to your budget.
Yes — we work with specialist lenders who assist temporary visa holders, ensuring access to competitive car finance options if eligibility criteria are met.
Total costs depend on the loan amount, term, interest rate, and fees. We’re fully transparent — you’ll receive a complete cost breakdown before committing.
1) Apply online — takes just minutes.
2) Consult with your finance specialist.
3) Compare lenders and select your loan.
4) Get approved and drive away!
Ask about suitable finance types, total costs (including fees and balloons), early payout flexibility, and interest rate comparisons. We’ll answer it all — clearly and upfront.
We finance cars, utes, trucks, and equipment — new, used, or privately purchased — for personal or business use.
Absolutely. Many clients on temporary visas have successfully financed vehicles through us. If you meet lender criteria, we’ll match you with the right option.