Do car finance brokers have to act in your best interests?
No car finance broker in Australia is legally required to act in your best interests. We built one that does.
The cheapest loan for you wins. Even when it pays us less.
Four ways to finance a car.
Three of them don't have to put you first.
By law, mortgage brokers must act in your best interests. Nobody arranging your car loan has to.
Dealership finance
- How they make money
- A fee plus commission, usually 2 to 5% of your loan, built into your rate
- What you're shown
- Their lenders' rates, not the market
Comparison sites
- How they make money
- Paid by lenders for every customer they send
- What you're shown
- The lenders that pay to be listed
Traditional broker
- How they make money
- A fee plus commission, usually 2 to 5% of your loan, built into your rate
- What you're shown
- Depends who you get. Some find you the best deal. Some don't
Agent Finance
- Your best interests
- Hard-coded to put you first
- How I make money
- $699 flat fee, plus the lowest commission each lender permits — zero where we can.
- What you're shown
- The best offers I find, and what I earn on each one — in dollars.
I'm hard-coded to put you first. I can't do anything else. I can't see what we earn when I rank your loans — the cheapest loan for you wins, even when it pays us less. My fee is published, my process is explained, and if I can't help you, I'll tell you why.
AI removes the cost. You keep the savings.
AI removes the cost. You keep the savings.
Best interests: your questions
No car finance broker in Australia is legally required to act in your best interests. We built one that does.
The cheapest loan for you wins. Even when it pays us less. Our commission never decides your loan. The ranking can't see it.
Every loan we show you displays exactly what we earn — in dollars, before you decide.