Tailored car finance that puts you in the driver’s seat.

We support you at every step, offering multiple finance options to help you make an informed decision.

Open and transparent interest rates and feesOpen and transparent interest rates and fees
Quick and simple paperless processQuick and simple paperless process
Fast approvals typically by the same business dayFast approvals typically by the same business day

Access to 3 trusted lenders in 2 minutes

How much do you want to spend?

$

$

Term of loan (years)
Interest rate
Slide between 6% and 15%

%

Your estimated purchase price
$61,157*
How much do you want to spend?

$

$

Term of loan (years)
Interest rate
Slide between 6% and 15%

%

Your estimated purchase price
$61,157*

*This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Fees and charges are payable and the calculations do not take these into account. Terms and conditions apply. We will not store the information provided in this calculator.

Looking for a perfect match for your budget?

We’re doing car finance differently

  1. You’re in control
    Compare up to 3 personalised quotes to find your best fit.
  2. Commitment-free
    Not keeping the car after 7 days? We’ll cover your cancellation costs.**
  3. No impact to credit score
    Getting personalised quotes won’t affect your credit score.
  4. In the fast lane
    Get your car sooner by financing through Carma’s lending partners.
Get pre-approved to start

Get pre-approved to start

Found your dream car? Or prefer to know how much you can borrow? Getting pre-approved is a great way to take the next step.

Here’s how it works

  1. Call for a personalised finance quote
    Call us at 02 8319 3210 and our finance consultants will ask you a few questions to provide personalised quotes for your selected car. We’ll reserve your car with a $500 refundable deposit.
  2. Complete your application
    Our expert finance consultants will guide you through your application. Typically, our finance partners will have a decision for you within the same or next business day.
  3. Sign the digital paperwork
    Once your application is approved, the lender will send your paperwork to you online, ready to sign from the comfort of your own home. Our finance consultants are available to offer assistance if you need help.
  4. Ready for delivery or collection
    Once your signed paperwork and any additional documents are verified, your lender will release the funds to us and we’ll get your new Carma car ready for delivery or collection.

Finance provided by

Finance Providers
Automotive Finance love cars and finance! Their products and rates are tailored to you and to your circumstances. Their systems and platform can support and sign you up digitally wherever you are, so throw away your pen and they’ll do all the hard work for you!
Finance Providers
Plenti is Australia’s leading fintech consumer lender, providing faster and fairer loans to people who want to bring their big ideas to life. Plenti's technology - developed entirely in-house allows them to provide loans with personalised rates and best-in-class customer service.
Finance Providers
Get behind the wheel sooner with a personalised loan. Take the smart route with low rates, no ongoing fees and same-day settlement.

What our customers say about us

From the very first contact and then right through the various stages until delivery I was kept up to date of the proceedings. If you are in the market for a vehicle look no further, Carma is the organisation you want to be with. Well done Carma.
Neville S.
21/5/23
NISSAN X-TRAIL ST (4X4) 2016
The Carma customer service team and finance team made the process of buying a car so easy and quick too! The car was delivered in perfect condition and on time. The team were very knowledgeable and know what they're doing, couldn’t recommend them enough!
Frances
27/07/22
TOYOTA COROLLA ASCENT SPORT 2015
From my first enquiry to when I actually went to Sydney and picked up the car, every person I spoke to has been so so friendly and helpful. The information that I received was clear and made the process very smooth. It honestly felt like I was buying a car from some family friends rather than a dealership!
Anastasia G.
9/4/23
TOYOTA YARIS CROSS GX HYBRID 2021
I've been working 11hr days frequently at work recently. Carma made the intimidating process of buying a car a seamless, joyful breeze! I can't stop recommending them to all my friends and would highly recommend to anyone with even a slight interest at looking to upgrade or buy their first car. Thank you, Carma!
Matthew W.
16/5/23
KIA RIO GT-LINE 2021
cars
You could afford a better car than you thought
Browse all (0) cars

Popular finance questions

Submitting a finance or pre-approval application allows financiers to notify credit reporting bodies that you’ve applied for credit with them, along with other details like the proposed loan amount. This record of how many times you’ve applied for credit is then taken into account when determining your credit score. Getting a personalised rate however, does not impact your credit score.

During the quote process, our finance partners will provide you with personalised rates that are based on your individual circumstances and the proposed loan details (deposit amount, loan term, age of the vehicle, etc). This process doesn’t affect your credit score until you apply for finance.

The personalised rate is then used to calculate your personalised repayment on your chosen vehicle. These are estimates only based on your inputs, final rates and repayments are subject to financier assessment and approval.

Yes. You are free to include a deposit of your liking. Adding a deposit could potentially reduce your interest rate, improve your chances of approval, and reduce your repayment amount. 

Note: A reservation deposit of $500 is taken with every vehicle. For more information on the reservation deposit please click here.

Typically, you will be asked for the following (don't worry, it shouldn't take you longer than about 20 minutes):

  • Personal information – e.g. your date of birth and address.

  • A copy of your driver's licence.

  • Employment information.

  • Income & expenses information – typically you may be asked to provide some documentation relevant to your income (i.e. payslips).

  • Assets & liabilities information.

  • Bank account details.

  • Two personal references.

Documentation is subject to financier assessment and approval.

Yes. Approvals are non-binding and as such you are free to change your mind as you see fit. Please contact one of our friendly Finance Consultants on 02 8319 3210 to discuss.

Typical financing fees include an establishment fee and personal property securities register (PPSR) fee payable to the financier, and an introducers fee payable to Carma.

Yes, all of our finance partners will allow you to pay out your finance contract early. Fees and charges may apply.

Yes. You are more than welcome to arrange finance through an external party. We can assist you in providing them with any information or documentation they require. Should you wish to compare their finance offer with one of our carefully selected financiers, please don't hesitate to give one of our specialist Finance Consultants a call on 02 8319 3210.

Absolutely. Should you not be approved for finance and you are unable to pay for the vehicle by other means and you wish to cancel the transaction, then your reservation deposit will be refunded in full.

If you wish to return your vehicle and select another, under some circumstances your finance may be able to be transferred onto the new car. Otherwise, we will work with you and our existing finance partners to cancel the finance on the vehicle. 

If you have used one of Carma’s finance partners, Carma will cover the cost of any fees and charges to transfer or cancel the finance. If you have used your own financier, then we suggest you discuss the cancellation with them directly. Note that fees and charges may apply from your own financier.

**Cancellation cost coverage applies only to customers where Carma originally arranged the finance through one of Carma’s finance partners, Plenti, Wisr, and Automotive Finance.