The right car deserves the right finance.
Don't sign whatever rate the dealership slides across the table. We've partnered with Entrust Finance, Brisbane-based brokers who are car people first, to help readers get competitive finance on new cars, used cars, utes and weekend toys.
Finance is provided by Entrust Finance. Torquecafe is not the credit provider and does not provide credit or financial advice. All applications are subject to Entrust Finance's lending criteria, terms and fees. Rates are tailored to the applicant and vehicle.
The finance desk works for the dealership. A broker works for you.
Dealer finance is a profit centre - the rate on the printout has margin built in, and the person across the desk is paid on it. A broker flips that:
How it works
The form below takes about two minutes. No credit check at this stage.
No call centre, no lead-farm reselling your number. One introduction, done.
They compare their lender panel, talk you through the options and negotiate on your behalf. Initial response usually within one business day.
Approved and financed - dealer or private sale, brand new or well loved.
Common questions
Is this better than the finance the dealer offers?
Often, yes. Dealer finance rates typically carry built-in margin. Entrust compares options across a panel of lenders and negotiates on your behalf, and you're free to compare their offer against the dealer's before committing to anything.
Can I finance a used car or a private sale?
Yes. Finance may be available for both dealer and private vehicle purchases, subject to lender approval.
What about performance or modified cars?
Every application is assessed individually, on the vehicle and your circumstances rather than a checkbox.
How much deposit do I need?
It varies with the vehicle and your circumstances. In some cases no deposit may be required; in others, contributing one can sharpen the rate or repayment.
How long does approval take?
Many applications receive an initial response within one business day, with approvals often completed shortly after all required information is provided.
What credit score do I need?
Every application is assessed on its own merits. Even if you're unsure of your score or have had credit issues, it's still worth enquiring.
Does applying affect my credit score?
No. Submitting this enquiry is obligation-free and involves no credit check. Entrust will discuss your options with you before any formal application or credit assessment.
Finance application
About two minutes. No credit check at this stage - just what Entrust needs to start chasing a rate.
Finance is provided by Entrust Finance. Torquecafe is not the credit provider and does not provide credit or financial advice. Submitting this form is not a loan application with a lender and does not involve a credit check. All finance is subject to Entrust Finance's lending criteria, terms and fees.
Torquecafe works directly with Entrust Finance, who arrange and provide all vehicle finance referred through this page. Torquecafe is not the credit provider, does not handle or hold any funds, and does not provide credit or financial advice. Torquecafe may receive a commission or referral fee from Entrust Finance in connection with finance introduced through us; this does not affect the rate or terms you are offered. Any personal information you share is handled in line with our Privacy Policy.