Walking onto a dealer lot with finance already sorted puts you in control. We shop 20+ lenders, get you a real approval in hand, and you negotiate hard on price. Cars, utes, bikes, boats, caravans.
No impact on your credit score. Approval valid for 30 days.
Walking in with an approval in hand flips the power dynamic. You are not begging for finance, you are choosing a vehicle. Dealers drop the margin games, skip the finance add-ons, and sharpen the price.
Your approval tells you exactly what you can borrow. No more falling in love with a car that was never in range.
Cash-equivalent buyers save $1,000 to $5,000 on the same vehicle. Pre-approval gives you that position without liquidating savings.
Dealer finance often hides add-ons and higher rates. Your Stream-arranged loan is transparent, shopped across 20+ lenders.
From $10K hatchbacks to $150K European. Dealer or private sale.
Personal, commercial or mixed use. Asset finance options available for business owners.
Road, dirt, cruiser. Learner-legal buyers welcome.
Runabout to offshore. Secured against the vessel.
Purpose-built finance terms up to 10 years.
Defaults, past arrears, recent visa, on a benefit. Tell us the truth and we will tell you what is possible.
60-second form. No credit hit.
We place with the lender most likely to approve your profile. Same day in most cases.
30-day approval letter. Go negotiate.
30 days. Plenty of time to find the right vehicle without feeling rushed.
Yes. Most of our lenders fund both dealer and private sales. We handle the payment direct to the seller.
Yes, in most cases. Our non-prime lender panel specialises in exactly this. Rates are higher than prime, but we will lay out the real numbers before you commit.
Not always. 0-deposit finance is available for strong credit profiles. For non-prime credit, a 10-20% deposit materially improves your approval odds and rate.
Your trade-in counts as deposit. The lender will net it off the loan amount. Dealer or private trade-in, both work.
60-second form. No credit hit. Approval in hand, same day.
Get pre-approved