New keys.
New possibilities.
Explore finance for your next new or used car. Clear explanations, a range of lender options and a real broker to help you through the process.
Based in Melbourne. Helping customers across Australia.
Broker support from start to finish.50+lenders on our panel
A clearer road to your next car.
From your first car to your next upgrade, we help you understand what information is needed and how the finance process works. Your broker will explain the proposed rate, fees, repayments and terms before you decide.
Finance is subject to lender assessment and approval. Rates, fees and terms vary.
Useful information to get started
- Approximate vehicle price and purchase timing
- Your income and employment details
- Existing financial commitments
- Vehicle and seller information when available
You do not need to have every document ready to make an enquiry. Your broker will explain what is required and how to provide documents securely.
Your plans.
Clearer options.
Your next car
Explore finance for a new or used car and discuss your purchase budget.
Your purchase plans
Tell us about the vehicle, seller and timing so we can explain the next steps.
Repayments that make sense
Understand the rate, fees, loan term and repayments before deciding.
Find the vehicle.
Get the right support.
You do not have to navigate the buying process alone. HFG can assist through our network of dealerships and industry contacts, helping you explore vehicles that suit your needs, budget and timing.
Talk before you shop
Tell us what you need, your budget and how the vehicle will be used. We can discuss finance pathways and what the lender may need before you commit.
Tap into our network
Still looking? Ask us about introductions through our dealer network. Already found a vehicle? Share the listing so we can discuss the asset and seller requirements.
Buy with a clearer plan
We help coordinate the finance steps and explain what is still required before settlement, so you can plan your purchase and handover with the seller.
Before you pay a deposit, give us a call.
A deposit or signed purchase contract can commit you before finance is approved. Speak with your broker first, confirm any finance condition and understand the seller’s deposit and refund terms in writing. An initial discussion or conditional approval is not final approval.
Vehicle availability, pricing and finance approval are not guaranteed. Any buying assistance costs or referral arrangements will be explained where applicable.
From first conversation
to your next move.
Tell us your plans
Share what you need finance for, your approximate budget and timing.
Understand the options
Your broker discusses your circumstances and explains the next steps for lender assessment.
Progress your application
We guide you through the information needed and keep you updated as your application progresses.
Car Loans:
your questions, answered.
Can I start before finding a car?
Yes. You can discuss your approximate budget and circumstances with a broker before choosing the vehicle.
How is my interest rate determined?
The lender, loan type, vehicle and your financial circumstances can affect the rate. Your broker will explain the terms of any options presented.
Does an enquiry mean I am approved?
No. An enquiry starts a conversation. Any loan approval is subject to lender assessment and criteria.
Does HFG charge a broker fee?
A broker or origination fee may apply. Your broker will explain any fee, when it is payable and whether it will be paid separately or included in the loan, before you decide to proceed. If a fee is financed, it increases the amount borrowed and may increase the interest you pay. Ask us for the applicable Credit Guide and written fee quote.
What other loan costs should I check?
Look beyond the advertised interest rate. Depending on the lender and product, costs may include establishment, account, security registration and early repayment fees. Compare the total amount repayable, loan term and any balloon payment. For consumer loans, the comparison rate can help compare interest and certain fees, but it does not cover every cost or circumstance.
Does making an enquiry affect my credit score?
Sending our website enquiry form starts a conversation; it is not a formal loan application. A lender credit check during an application may be recorded on your credit report and can affect your score. Before proceeding, ask your broker what check is proposed, whether it leaves an enquiry and what consent is required.
Should I apply to several lenders at once?
Multiple credit applications in a short period can affect your credit profile and how a lender assesses you. Talk through your circumstances with a broker first, rather than submitting applications just to find out the rate. Comparing possible options and making formal applications are different steps.
How is HFG paid by lenders?
HFG may receive a commission from the lender when a loan settles. The amount can vary by lender and loan. Your broker can explain the commission, any referral payments and any fee payable by you in the relevant disclosure documents. You are welcome to ask how these amounts are worked out.
Can HFG help me find a vehicle?
Yes. Ask about our dealership and industry network. We can assist with the buying process as well as finance, whether you are still exploring vehicles or have already found one. Explore vehicle buying assistance.
Should I pay a deposit before arranging finance?
Speak with your broker before paying a deposit or signing a purchase contract. Understand whether the purchase is subject to finance and get the deposit and refund conditions in writing from the seller. Finance approval depends on the lender, your circumstances and the vehicle.
Your next step
starts with a conversation.
Tell HFG what you have in mind.