Car Loans
New or used, from a dealer or a private seller. Get pre-approved before you shop so you negotiate as a cash buyer.
- New & used vehicles
- Dealer or private sale
- Personal or business use
Sydney Β· English & Chinese spoken
The right loan, without the runaround.
We compare banks and specialist lenders for car, home, equipment and commercial loans β then handle the paperwork for you. Free initial consultation.
Established 2007
Major banks & specialist lenders
Personal & business borrowers
Loans we can help with
One conversation, many lenders. Tell us what you need and we'll find options that fit.
Home Loans
Buying your first home, upgrading, investing or refinancing to a better rate β we'll compare the market for you.
- First home buyers
- Refinancing
- Investment property
Equipment Finance
Machinery, vehicles, fit-outs and technology for your business, structured around your cash flow.
- Chattel mortgage & lease
- Trucks, machinery, IT
- Flexible terms & balloons
Commercial Loans
New premises, a factory or business expansion. We work with your accountant to structure the right borrowing.
- Commercial property
- Business expansion
- Working capital
How it works
Simple, transparent and done around your schedule.
Tell us what you need
A quick call or the form below. We'll ask about your goals, income and timing β no obligation.
We compare lenders
We shortlist options that suit you and explain rates, fees and features in plain English (or Chinese).
We handle the rest
From application to settlement, we liaise with the lender and keep you updated every step of the way.
Repayment calculator
Get a quick estimate of your repayments. For an accurate quote based on your situation, talk to us.
Estimated monthly repayment
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- Total interest
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- Balloon payment at end
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- Total of all payments
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This calculator provides an estimate only and is not a quote or offer of credit. It assumes a fixed interest rate for the full term and excludes fees and charges. Actual repayments depend on the lender, your circumstances and credit assessment.
Local, personal and on your side
Ambits Finance is a Sydney-based finance brokerage in Ultimo. Since 2007 we've helped individuals, families and business owners secure car, home, equipment and commercial finance.
You deal with the same person from first call to settlement. We explain your options clearly, in English or Chinese, so you can make a confident decision.
2007established
4loan specialties
2languages spoken
Frequently asked questions
0% car finance β is it really 0%?
Not always. With most 0% offers the dealer and manufacturer share the cost of the finance, so you usually pay full retail price and have little room to negotiate on price or extras. These offers are also often limited to older or soon-to-be-replaced models. Compare the drive-away price with and without the 0% offer β we're happy to give you a quote so you can see the real cost before you decide.
How do I apply for a car loan?
1) Choose the car you want. 2) Call us with the model and how much you'd like to borrow. 3) We find the right loan for you. 4) We submit the application. 5) Once approved, pay your deposit (if any). 6) The lender pays the dealer or private seller, usually within 2 business days. 7) Pick up your car. Your consultant guides you through every step.
What interest rate can I get on a car loan?
There's no one-size-fits-all rate. It depends on your financial situation, the amount you borrow, the vehicle's age, whether you buy from a dealer or privately, and more β so be wary of any rate quoted without these questions. Applying to many lenders yourself can also make your credit file look "busy" and push your rate up. Book a free appointment and we'll find the best deal for your situation.
Can I buy privately or at auction?
Yes. Whether you buy from a dealer, a private seller or at auction, we can find a suitable loan.
Can I get a car loan with no deposit?
Often, yes. A number of lenders offer no-deposit car loans for eligible applicants. Call us to check whether you qualify.
Do I pay for your service?
In most cases our service costs you nothing β we are paid a commission by the lender when your loan settles. If a fee applies (for example a commercial property valuation), we will tell you in writing before you proceed.
Will talking to you affect my credit score?
No. An initial conversation and quote don't involve a credit check. We only submit an application (and the lender only runs a credit check) once you've chosen an option and given consent.
What documents will I need?
Usually ID, recent payslips or business financials, bank statements and details of what you're buying. We'll send you a simple checklist for your specific loan.
How long does approval take?
Most car and equipment loans are approved within 48 hours of the application being submitted. Home and commercial loans typically take longer depending on valuation and the lender.
Can you help if I'm self-employed or have a recent ABN?
Yes. Many of our clients are business owners. Some lenders specialise in self-employed and low-doc borrowers, and we can explain the options.
Can I get accounting advice on structuring my loan?
Yes. We work with certified CPAs who can advise on structuring business and equipment finance to suit your business. Additional fees may apply for accounting services.
Do you speak Chinese?
Yes β we can explain everything in Chinese. View our Chinese page.
Talk to us
Call, email or send an enquiry and we'll get back to you within one business day.
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Phone0425 225 045
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WeChat0425 225 045
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Office (by appointment)Suite 40, 35 Jones Street, Ultimo NSW 2007