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.
Access to 4 trusted lenders in 2 minutes
We support you at every step, offering multiple finance options to help you make an informed decision.
Access to 4 trusted lenders in 2 minutes
Compare up to 3 personalised quotes to find your best fit.
Not keeping the car after 7 days? We’ll cover your cancellation costs.**
Getting personalised quotes won’t affect your credit score.
Get your car sooner by financing through Carma’s lending partners.
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.
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.
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.
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.
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!
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.
Get behind the wheel sooner with a personalised loan. Take the smart route with low rates, no ongoing fees and same-day settlement.
Supporting drivers with their journey to owning a car, Volkswagen Financial Services Australia can help you find a vehicle finance solution that fits your budget and lifestyle. We want to ensure you have all the tools, services and support to make your vehicle finance as easy as possible.
No, it won't. To get a personalised car finance quote, our lending partners performs a 'soft-touch' credit check against your credit file that does not affect your score. The personalised quotes are then provided based on your individual circumstances and proposed loan details (deposit amount, loan term, age of the vehicle, etc).
Yes, 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 recorded on your credit file and taken into account when determining 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):
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.
