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Motor Vehicle Finance

Get a Free Motor Vehicle Finance Consultation With Us!

Discuss your motor vehicle finance needs with us today and take advantage of our 25 years plus industry knowledge, It's an Obligation Free Service.

Why Choose Harley Finance?:

Car Loan Finance in Australia is a very competitive market. However most lenders have criteria they set to approve the standard loan.

The interest rate you will receive in many cases will be directly affected by your personal situation.

Below is a typical list of what Financiers are looking for.

Let us find the most competitive option for you.

Your approval will in many cases will come down to the knowledge and skills of your Finance Broker.

Rating 1 – Diamond
  • An Extensive and good borrowing history
  • Generally Home Owners (property unencumbered)
  • Very Stable in Residence and Employment
  • High income and generally professionally employed
  • Strong Asset Portfolio – total assets significantly greater than liabilities
Rating 2 – Platinum
  • A very good borrowing history
  • A mortgagee, but with significant equity in property
  • Good Stability in residence and employment
  • Higher than average income
  • Assets significantly greater than liabilities

Rating 3 – Gold

  • Sound Overall Credit History
  • A renter or mortgagee
  • Sound Stability in residence and employment
  • Reasonable Income
  • Assets are clearly greater than liabilities

Rating 4 – Silver

Interest rates and comparison rates vary dependent on Lender or Financier

  • Short credit history, may have had a minor credit issue (e.g. Utility Default)
  • Generally a renter or boarder
  • Moderately stable in residence and employment
  • Average income, but still displays ample ability to service loan
  • Generally a cheaper new vehicle or a used vehicle

Rating 5 – Bronze

Interest rates and comparison rates vary dependent on Lender or Financier

  • Minimal or no credit history, typically has a default on their credit file.
  • A renter or a boarder
  • Low stability in residence and employment
  • Low income, but displays an ability to service loan
  • Typically has no assets

Rating 6 – Impaired A

Interest rates and comparison rates vary dependent on Lender or Financier

  • Have a default or defaults on credit file
  • Declined by other lenders
  • Need to be full time or part time employed
  • Typically has little or no assets

At Harley Finance our experienced consultants, know exactly who to deal with, what financiers will need etc.

If our service does not meet your expectations, our work is obligation free.

Still not clear and want to know your chance of financial application success?

Call Us Now 1300 859 890 or fill out the form below for a Free Confidential Consultation

Still not clear and want to know your chance of financial application success? Call us now on 1300 859 890 or fill out the form below for a Free Confidential Consultation.

If this sounds good to you, then contact us for a confidential discussion. We have our clients get their Motor Vehicle finance approved successfully for the last 25 years, and we'd like to see if we can do the same for you

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