Pay less for the same
car loan.
AI does the work.We don't pay human brokers.Neither do you.
Protect your credit score
- AI-led, human-verified
- Available 24/7
- Wide panel of lenders
Same lenders. Same loans. Less cost.
Why your car loan costs less
Meet Fin
Hi. I'm Fin, your AI car finance broker.
I shop a wide panel of lenders for your loan, do the paperwork and protect your credit score.
What does a broker do?
A broker compares loans from many lenders and applies for you. Go direct to a lender and you only see their offer.
I handle the entire process, from lender matching to application prep. Qualified brokers check every deal before it's submitted.
I match your profile against my lenders' policies before any application is submitted, so I only apply where you're likely to be approved. No shotgun applications. No unnecessary marks on your credit file.
AI car finance →No office. No call centre. Just AI. That keeps my costs low, and I pass those savings on to you. My fee is $699. Flat, published, whatever you borrow. No fee if your loan doesn't proceed.
Zero commission is my default. Lenders let me cut your interest rate by 2% p.a. I do it every time. Lenders pay brokers a commission that's built into your interest rate. Brokers can give it up to lower your rate, but they need it to cover their costs. I don't. A small minority of lenders set a minimum broker commission we can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what we earn, in dollars, before you decide anything.
How it works
Speak to an AI koala. Anytime.
No phone calls. Ever.
30 seconds
Get an indicative quote
Answer a couple of questions and I'll check live lender rates for you.
What you'll see
Tell me how much you want to borrow and I'll show your likely repayments, based on real lender rates. See if it works for you before we get into the details.
5 minutes
See real quotes and pick your lender
I'll ask about your job, income and spending, then show you the loans that fit you, side by side.
How I rank your options
The cheapest loan for you wins. Even when it pays us less. It's hard-coded into how I rank. Every loan we show you displays exactly what we earn — in dollars, before you decide.
Do brokers have to put you first? →
5 minutes
Finish your application
Send me a few documents. A qualified broker reviews every deal before I send it to your chosen lender.
How I protect your credit score
I start with a soft check. Zero impact on your score. Each lender puts a hard check on your credit file, so I only apply to lenders likely to approve you.
Settlement
The lender pays. You drive away.
I stay with you right through to settlement, until the money's paid and the car's yours.
Dealer or private seller?
Both work. The lender pays the dealer or the private seller directly. For a private sale, the lender checks the car first, and I walk you through each step. No fee if your loan doesn't proceed.
Watch Fin
Car finance, but watchable.
Made with AI. Starring me.
- 0:30No phone calls. Ever.
Worried about your credit score? Me too.
- You: Will you hurt my credit score?
- Fin: Me? Soft check only. Zero impact on your score.
- Fin: Each lender puts a hard check on your credit file.
- Fin: So I only apply where you're likely to be approved.
- Fin: One application. One check.
Who's behind Fin
Fin does the work. Real people stand behind it.
- Qualified brokers review every deal.
- Rob Carlile, founder, former executive at Australia's largest car finance brokerage.
- Part of Finsure's broker network, which settles more than $5 billion in loans every month.
- Credit Representative Number 568962 of Australian Credit Licence Number 384704.
Questions
Ask me anything.
Usually, no.
Zero commission is our default. A small minority of lenders set a minimum broker commission we can't reduce to zero. If one of those lenders has the cheapest loan for you, you'll see exactly what we earn, in dollars, before you decide anything. We always take the lowest the lender allows.
One fee. That's it.
My fee is $699. Flat, published, whatever you borrow. It's included in your loan, so there's nothing to pay upfront. No fee if your loan doesn't proceed.
I'm careful with it.
Me? Soft check only. Zero impact on your score. Each lender puts a hard check on your credit file, so I only apply to lenders likely to approve you.
Legally, no car finance broker has to. I do anyway.
You come first. Car finance brokers are not required to act in your best interests. I am. It's hard-coded in my DNA. The cheapest loan for you wins. Even when it pays us less.
Real AI. Real licence. Real people checking my work.
AI-led, human-verified. Qualified brokers review every deal. Part of Finsure's broker network, which settles more than $5 billion in loans every month. Credit Representative Number 568962 of Australian Credit Licence Number 384704.
Talk to me. Anytime.
Speak to an AI koala. Anytime. No phone calls. Ever. Chat with me day or night, on your phone or computer.
I'll tell you straight.
Every customer gets the same service. I'll show you where you stand and what's realistic.
Pay less for the same car loan.
AI does the work. We don't pay human brokers. Neither do you.
Protect your credit score