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. 30-day approval.
Every kind of vehicle, new or used, dealer or private. Credit history is rarely a dealbreaker.
From $10K hatchbacks to $150K European. Dealer, private sale, or trade-in.
Personal, commercial or mixed use. Asset finance available for business owners.
Road, dirt, cruiser, scooter. 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'll tell you what's possible.
"Walked onto the lot with a Stream pre-approval on my phone and the dealer dropped $3,200 off sticker inside 10 minutes. Game changed."
You can see real lender options, rates, and pre-approval limits without putting a single mark on your credit file. If you don't like the numbers, you walk away clean.
Your score stays untouched until you choose to proceed
Defaults, past arrears, recent visa, beneficiary, self-employed with messy books. We have lenders who specialise in every one of these. Rates are higher than prime but real deals close every day.
Of our vehicle approvals started as a bank decline
Most of our lenders fund both dealer and private sales. We handle the payment direct to the seller and the PPSR registration, so you just pick up the vehicle.
Shop any dealer or private seller with real approval in hand
Our AI assistant runs your profile against 20+ vehicle lenders the second you hit submit, surfaces likely rates, and hands it to a human broker to confirm.
Vehicle type, budget, and a quick snapshot of you. No credit check yet.
AI matches your profile against our vehicle lender panel. Your broker confirms and locks the rate.
30-day letter in your phone. Negotiate like a cash buyer. We handle settlement.
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'll 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.
Rates from 9.95% p.a. for prime credit. Non-prime credit ranges higher depending on your situation. We show you real lender offers before you commit.
60-second form. AI-powered match. No credit hit. Approval in hand, same day.
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