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Eligibility


  1. Be 18 years or over

  2. Be a permanent resident or an Australian citizen

  3. Be currently employed

  4. Must not have any unpaid default over $4000

  5. Not currently bankrupt, part 9 or 10

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Apply


  1. If you are eligible, click on the 'Apply' button.

  2. Complete the application in under 3 minutes.

  3. You will receive a call from one of our experienced brokers.

  4. Follow our prompts for documentation collection.

Getting the right insurance is just as important as getting the right finance. That’s why we offer a range of insurance products which we can tailor to your specific needs. Speak to one of our insurance experts today about getting the best deal when it comes to insuring your vehicle against storms, vandalism and accidents. 
 
Thanks to 1800Approved, you can take advantage of the discounted prices without the hassle of comparing insurance policies or filling out piles of paperwork yourself. All you need to do is contact us and we’ll handle the rest; making sure you get the best insurance policy for your car and circumstances. Our experts can also explain any issues of relevance to your situation. For example, did you know that it’s compulsory to provide financial protection against physical damage if your vehicle is to be financed by any major lender? 
 
We understand what matters to most insurance customers: Cost. Ease. Speed. Peace of mind that everything is covered. Security and privacy of personal data. 1800Approved places equal importance on all those issues, which is we’ve been rated number 1 in all these categories. 
 
Call us today on 1800 277 768 or use the Quick Quote! 

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comprehensive car insurance

Get peace of mind is a luxury you can afford! With comprehensive insurance cover, your vehicle is covered or almost anything, whether that be theft, fire, storm damage, accidental damage or third-party damage (even if you’re at fault). Comprehensive car insurance is a personal choice and may cost a little extra, however, in the event of an accident it could save you money. 

CCI Insurance

Consumer Credit Insurance (CCI) can help you if you ever get into difficult times or choose to end your loan term early. 

Often without warning our financial situation can change dramatically. An illness which goes on longer than expected or perhaps an accident which puts the breadwinner out of action for many months. At some point, it may prove difficult to make payments on your car loan and the only option is to hand it back to the dealer to reduce the debt. Often, the value of the vehicle declines quicker than the loan balance and as a result, there may still be an amount to pay to the financier. 

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GAP Insurance

Guaranteed Asset Protection (GAP) Insurance is one of the most important insurance policies you can take out, especially if you are buying a late model vehicle. 

Not everyone may be aware that there is the potential for a financial loss if their car is written off whilst it is under finance and a shortfall occurs between the insurance payout and amount still owing on the finance - despite the fact that the car is covered by comprehensive motor vehicle insurance. 

Guaranteed Asset Protection (GAP) Insurance is protection against this potential loss: it helps protect you from a shortfall between your finance payout and insured value of your vehicle if it is written off. By paying a once-off premium, Gap Insurance can provide you with peace of mind for the life of your car loan. 

Extended vehicle warranty

Extended Auto Warranties have evolved over the last 10 years and they now offer more protection and coverage than ever before. Not only do they pay for any work done on your vehicle, but they offer other services like towing, roadside assistance, car rental and more. With cars becoming increasingly sophisticated, car repairs are more expensive than ever. Having a protection plan just makes sense. 

Most private sellers do not offer warranties so you will have an edge when selling and can even incorporate that into the price. It makes a big difference when you are selling a car in the newspaper or online and it comes with an extended warranty from a reputable company. The good companies will allow you to transfer the warranty to another owner at any time. 

1800Approved currently services clients across all of Australia including Sydney, Melbourne, Brisbane, Sunshine Coast, Gold Coast, Adelaide, Mackay, Cairns, Perth, and all other locations across all states including NSW, QLD, SA, WA, Tasmania and Victoria. 

Lease-Vehicle

FREQUENTLY ASKED QUESTIONS

ABOUT MY LOAN

Making an application is quick and easy – you just need to have the following documents ready to give your broker:

  • Current Australian Residency Identification 
  • 2 recent payslips
  • Or one current bank statement 

In short the answer is No, you can source your own car. We offer a holistic solution to our customers, from financing to sourcing a vehicle at the most competitive rates and specs that suits you through our vehicle solutions partner – Drive.

We are a multi award winning independent finance group who believe in helping people achieve their dream or goal with our holistic solution we compare 40+ Lenders. Arranging everything from finding the right finance at the best low interest rate and a no deposit that suits you to sourcing the right vehicle – finding the right vehicle, that suits you, through our vehicle solutions partner – Drive

Interest rates can vary depending on the age of the vehicle you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 4.69%* for new vehicles for business use customers. 
* based on a commercial contract for a new vehicle with specific criteria.

A balloon payment allows you to reduce your repayments during the term of the car loan by making a once-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. 
Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include re-financing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds. 

APPLICATION AND APPROVAL

Once we receive your online application, you will be contacted by one of our experienced brokers, within 2 business hours. The timeframe from our high approval rate to completion can be anything from 1 hour under ideal circumstances. Give us a call on an obligation free discussion with one of our experienced brokers. to walk you through our fast and easy approval process

If you apply for finance with 1800 Approved as an ABN customer you can:

  • Apply with less documentation,  
  • Receive discounted interest rates between 0.4 - 3% less than a consumer loan.
  • Benefit from a tax write off with your finance– we recommend speaking to your financial advisor before you apply. 

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged we can be able to assist you. Click here for assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. Alternatively

QUESTIONs ABOUT MY CREDIT

The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score. At 1800 Approved we believe that everyone deserves an opportunity, so give us a call on 1800 2777 6899 an obligation free discussion with one of our experienced brokers. Alternatively, To learn more download our E-book

At 1800Approved we believe in assessing your circumstances today and finding a solution that best suits you. We do this with the help of our 40+ lender portfolio, so give us a call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. Alternatively click here for assessment that will not damage your credit score.

At 1800 Approved, unlike a bank, we will not show on your credit file as a “declined” if your application is unsuccessful. We do not leave an impressions on your file as part of our assessment. More than 6 enquiries in a 12-month period may affect your application for finance.

How It Works

Apply

It takes minutes to make an online application – no lengthy question 

Settle

Work with your dedicated financial broker who will find you the best deal 

Choose

Our vehicle procurement service DRIVE will find you the best vehicle 

Enjoy

Once you are approved you can pick up your keys! And, if you get your vehicle with us we will deliver it* 

What our customers are saying

Excellent Jed Sloane 100 percent focused a credit to your company
— Darren Wells
Thank you for all your hard work.
— Kelly Caskie
Great service and down to earth staff.
— Jamie
Shamiez was bloody fantastic. There was no bullshit... whatever I wanted she did for me. Very happy!
— Aaron
The service I received was very prompt. I would recommend 1800Approved to anyone wanting to use a positive lender. Thank you for making this a positive experience for me.
— David Dring
Really stressful time for me and Adam Robertson took all the stress away by giving the best service ever.
— Andrew Findlay
Thanks for great service! You guys were really helpful! I will definitely use you for any financial solutions.
— Dillie, Townsville
I was very happy with the service. Mathew Muir was very easy and understanding with all my questions and had everything set out really well he saved me time and was very proffesional in the way he conducted the business side of things. I would have no hesitation in recommending your company and Mathew to friends and associates I deal with in the future. A job well done.
— Ashley Austic
If I was ever needing finance again I would be calling 1800approved and only asking for Lisa Smyth. I would recommend her to anybody and everybody. We were extremely lucky to have had her as our broker.She pushed through our finance incredibly fast. She even chased up the bank when they were holding things up. She was extremely efficient very knowledgeable in her job and nothing was too much trouble.
— Lori
Great service, went the extra mile to get a deal done.
— Heinz Schwarzer
Thank you so much for your help. I'm so happy I decided to go with you guys. Fantastic service from Cathy.
— Tami
Thank you so much you changed my life.
— Aneta Dadok
Well done Cathy done a great job and I look forward to working with her again.
— Jason Sullivan

1800Approved is rated 4.9 in overall satisfaction by Google Google

Disclaimer

Representative example: Based on $30,000 loan with an 84-month term for a borrower with an excellent credit history at a comparison rate of 4.99% p.a. the estimated total amount payable per month is $444. Interest rates range from 4.99% p.a. (comparison rate 6.97% p.a.) to 12.37% p.a. (comparison rate 20.30% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. 1800Approved credit criteria and terms and conditions apply.