How it works

Our online application process explained

How we help

Handy Car Loans can offer specialist financial advice, and our experienced in-house team is sure to find you the right car loan package to suit your budget. We are committed to providing amazing customer service. Applying with us is much easier than you might imagine, all you need to do is complete our online application form below and you’ve taken your first step towards your new car.

Apply Now

Our online application form is fast and simple. Just fill out the required fields and one of our brokers will be back in contact with you soon after.

How the online application process works

Step 1: Complete online application

The first step is to fill out your online application form - it's quick and it's easy and will only take about 5-6 minutes to complete. Start your loan application now > 

Step 2: Documents

The next step is to get the required documents to us:

Identification

100 Points which includes:

  • Government Issued ID (Drivers License, 18+ or passport) please note applicant must provide licence for loan to settle.
  • Medicare or Pension Card, and Debit Card
Proof of Income

Last 2 consecutive payslips with the following information:

  • Current Year to Date gross and net income
  • Employer's name
  • Employer's contact information (Address & Contact Phone)

Two of the following may also be submitted as alternatives:

  • Employment letter, confirming length of employment, gross basic wage along with any other components such as regular overtime, bonuses etc.
  • Current employment contract with the above information
  • If long term employed, current group certificate or tax assessment.
Centrelink Payments
  • A current or recent Centrelink Income Statement detailing applicant’s entitlements and deductions.
Maintenance
  • A copy of court order, or a statement for CSA alternatively 6 months of Transaction Statements showing regular payments
Self Employed Applicants
  • Minimum 6 months of transaction statements for both business, and personal accounts is preferred. 
  • Financial statements from within the last two years.
Proof of Address
  • Rates notice (if applicant is a Home Owner) or
  • Utility Bill, Rent Receipt, Lease Agreement.
Commitments

If practical, provide 3mths of statements for all personal loan, credit cards etc
Please also provide details of any other extra ordinary payments such as school fees, Insurances, maintenance etc.

Privacy Statement

Please provide a signed privacy statement (we do comprehensive checks on current and previous employers/landlords, some will not accept verbal acceptance notifications)

Getting the documents to us

There are several ways to get the documents to us either by fax, email, post or upload them online. If you’re not 100% comfortable with scanning and uploading documents you can read our simple guide on scanning and uploading documents.

Step 3: Let us do the leg work

One of our finance speciaists will try to find you the best deal possible whilst always keeping you informed of the status of your application while we strive to find you the best deal possible.

Step 4: Verification

If you recieve an approval, some of the supplied information may need to be verified. 

Step 5: Find the car you want

Once your application has been settled, the only thing left to do is find yourself a car, if you haven’t already done so. For some tips on finding a car read our: Buying a Car in Australia Guide >

Step 6: Drive away your new car!

We pay for the car and you drive away in your new car. It's really as simple as that.