Car finance that respects your time and your ABN.
Consumer car loans, chattel mortgages, novated leases and commercial vehicle finance. One application. Multiple lenders. Fast approvals.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
Dealer finance is convenient. It is rarely the sharpest rate. eCapital Funding compares Australian bank and non bank auto lenders side by side, structures the product correctly for how you use the vehicle, and clears finance approval before you sign a contract of sale. Consumer or commercial, new or used, dealer or private sale.
Why borrowers choose eCapital Funding
Right product, not just any product
Consumer loan, chattel mortgage or novated lease chosen for the actual usage and tax position.
Rate transparency
We show the real comparison rate including fees, not just the advertised rate.
Fast approvals
Most files approved same day or within 48 hours so you can negotiate on price with cash in hand.
Who this suits
- PAYG employees financing a personal vehicle
- Self employed and sole traders using a car for business
- Companies buying fleet or single commercial vehicles
- Employees eligible for novated leasing through their employer
- Buyers of caravans, boats, motorbikes and equipment (also supported)
Our strategy process
- STEP 1
Vehicle & usage
What is being purchased and how it will be used.
- STEP 2
Lender match
Product and lender selected on rate, term and policy fit.
- STEP 3
Approval
Application lodged and approval usually returned within 24–48 hours.
- STEP 4
Settlement
Funds paid directly to dealer or vendor and vehicle handed over.
Frequently asked questions
What is the difference between a chattel mortgage and a consumer car loan?
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A consumer car loan is for personal use vehicles under the National Consumer Credit Protection Act. A chattel mortgage is a commercial product for business use vehicles, where the business owns the car and may claim GST and depreciation. The right product depends on how the vehicle is used.
Can I get a car loan if I am self employed?
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Yes. Chattel mortgages typically use ABN, GST registration and bank statements rather than payslips. Low doc options exist for established businesses. Consumer car loans for self employed borrowers require standard income evidence such as tax returns or accountant declarations.
What car finance rates are available in Australia?
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Consumer car loan rates typically range from around 6.5% to 12% p.a. depending on credit profile, vehicle age and loan term. Commercial chattel mortgage rates for strong ABNs are commonly 7–10% p.a. Rates change with the RBA and lender appetite; we quote live.
Do you finance used cars?
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Yes. We finance new and used vehicles up to a maximum age at end of term (usually 10–15 years) depending on the lender. Dealer and private sale purchases are both supported.
How long does approval take?
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Straightforward consumer or chattel mortgage applications are commonly approved same day or within 24–48 hours. Complex or non conforming files take longer.
Explore related lending
Test drive tomorrow? Approval today. Send us the vehicle details.
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