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Car Loans for ADF Members

Defence Home Loans helps Australian Defence Force (ADF) Members buy their first car, a new car or their dream car with a Car Loan

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Car Loans for ADF Members

Obtaining a Car Loan or financing for other vehicles can often seem like a daunting process, laden with complex terms and conditions. However, at Defence Loans, we pride ourselves on simplifying this experience for Australian Defence Force (ADF) members, ensuring you can secure a Car Loan or loans for other vehicles with ease and confidence. Our tailored services are specifically designed to meet the financial needs and circumstances of those who serve, or have served, offering competitive rates and flexible terms that stand out in the finance industry.

At Defence Loans, we understand the unique lifestyle of ADF members, including the potential need for mobility and reliability that comes with service. Whether you're looking to purchase a new family car, upgrade your current vehicle, or invest in a motorcycle or caravan for your leisure time, Car Loans & Other Vehicle Loans through Defence Loans provide the robust support you need. Our goal is to facilitate your purchase in the most seamless and supportive manner possible, allowing you to focus on your service commitments and personal life without undue financial stress.

Why should clients choose Defence Loans for their Car Loans & Other Vehicle Loans needs? Firstly, our unparalleled expertise in serving ADF members ensures that we genuinely comprehend your financial landscape. We offer bespoke lending solutions that are not only competitive but are also adaptable to the unpredictable nature of military life. This means that whether you're stationed at home or abroad, our Car Loans and loans for other vehicles remain accessible and manageable. Furthermore, our dedicated team provides exceptional support throughout the entire loan process, from initial enquiry through to final repayment, ensuring transparency and trust are maintained at every step.

In conclusion, for ADF members seeking Car Loans & Other Vehicle Loans, Defence Loans stands as an ideal partner. Our commitment to providing tailored, supportive, and competitive financing options ensures that your journey to vehicle ownership is as rewarding and stress-free as possible.

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We have access to thousands of products from banks right across Australia. Chat to an expert and see if you qualify.

Home Loan Interest rates as low as:

5.79%

Headline Rate

5.82%

Comparison Rate

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Common Car Body Types we help ADF Members purchase with Car Finance

Choosing a new vehicle involves navigating through a diverse array of options, each designed to cater to different needs and preferences. Below, we endeavour to demystify the selection process by outlining the key aspects of various vehicle types, assisting you in finding the perfect match for your requirements.

Sedans

Globally recognised for their iconic 3-box layout, sedans seamlessly combine engine, cabin, and rear luggage boot space. Offering a balance of comfort and practicality, sedans are typically equipped with four doors and can comfortably seat up to three passengers, ideal for everyday commuting. Their lower stance on the road enhances handling and boosts fuel efficiency, although larger parties may find a more spacious vehicle more fitting.

Hatchbacks

Distinguished by their sloping roofline and upward-swinging rear door, hatchbacks ingeniously merge cargo and passenger zones. This configuration results in a compact yet highly versatile car, with most models featuring fold-down rear seats to expand cargo space. Available in both three- and five-door models, hatchbacks seat up to five individuals, making them an excellent choice for those seeking practicality within a modest footprint.

SUVs (Sport Utility Vehicles)

Boasting a sizable structure, commanding road presence, and elevated driving position, SUVs are synonymous with luxury interiors and capaciousness, appealing to families and adventurers. Current models are designed to deliver commendable performance both on and off the road, despite their larger size.

Coupes

Coupes, with their two doors and sporty sloping rear roofline, prioritize performance and aesthetics, often compromising on rear seat space. They cater mainly to singles or couples, offering an exhilarating driving experience without the need for substantial passenger accommodations.

Convertibles

Convertibles provide the quintessence of driving freedom, featuring roofs that retract in either soft or hard forms. Though they offer a distinctive open-top driving experience, luggage space is usually limited. Convertibles are ideally suited for those seeking the joy of the road under the open sky.

Estate Cars (Wagons)

Estate cars or wagons are characterised by their elongated rear, offering enhanced space for passengers and luggage alike. Traditionally favoured as family vehicles, wagons deliver ample room without compromising on performance or efficiency, perfect for those needing additional space coupled with conventional car dynamics.

Crossovers

Crossovers represent a fusion of SUV attributes with the driveability of sedans. Constructed on a car platform but boasting increased ground clearance and seating position reminiscent of an SUV, crossovers provide a practical, economical, and comfortable drive, even on light off-road adventures.

UTEs (Utility Vehicles)

Known affectionately as "utes," these vehicles come with an open cargo area at the rear and are available in two-door and four-door variations. They present a pragmatic option for regular transport of goods, blending the functionality of a pickup truck with passenger comfort levels that can vary.

Vans

Vans are the preferred choice for transporting large groups, offering roomy interiors with high ceilings across three rows of seats. Despite their boxy appearance, vans' functionality renders them indispensable for sizable families or those with significant cargo needs. The market presents a variety of vans, from compact minivans to full-sized passenger vans.

With such a wide selection of vehicles available, there's indeed a perfect vehicle for everyone, from solitary commuters to families that thrive on adventure. Whether your priorities lie in efficiency, space, performance, or style, understanding each vehicle type's unique features can steer your decision towards the most suitable option for your lifestyle and necessities. If a car loan is what you need to get behind the wheel sooner, reach out to us. We're here to assist you on your journey to finding the ideal vehicle.

The Car Loan Process

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  1. Initial Consult

Have a chat with one of our qualified Brokers who will understand your situation and talk you through the next steps.

  1. Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.

  1. Pre-Approval

Once you're approved, find the car that you want.

  1. Settlement

Your loan draws-down, you get the keys and you're good to go!

See why others are choosing Defence Loans to help with their loan:

AA

Alexandra Alder

Carl Elsass has worked tirelessly to rapidly get us a mortgage that suits our needs perfectly, with an amazing interest rate, from a fantastic neo bank that we would never have heard of without his help. He has been an absolute pleasure to …

JC

Jonathan Clifton-Bligh

We’ve been working with Carl Elsass for a couple months now. He has consistently gone above and beyond for us throughout the entire process. He secured pre-approval in less than 24h at the lowest rate we could find in the market. His rapid …

bk

bhavesh kumar

I had a great experience dealing with Azura Financial recently. I had the pleasure of being serviced by Carl from the team, he was very professional and accommodating to my needs - I left all my stress with Carls capable hands. Thanks again

Common Questions:

What are the Benefits of Refinancing a Home Loan or Investment Loan?

Refinancing your Home Loan or Investment Loan can offer numerous advantages for Australian Defence Force (ADF) Members. One of the primary benefits is the potential to secure a lower interest rate, which can significantly reduce monthly loan repayments. By obtaining a lower rate, ADF Members can effectively manage their finances more efficiently, freeing up funds for other essential expenses. Moreover, refinancing allows for the adjustment of loan terms to better suit individual financial circumstances. This could involve extending or shortening the loan term, or changing the repayment frequency to align with income cycles or budgetary preferences. Such flexibility empowers ADF Members to tailor their loans to their specific needs and goals. Additionally, refinancing can provide access to equity, enabling ADF Members to release funds for various purposes such as home renovations, purchasing a vehicle, planning a holiday, or investing in additional properties. Consolidating multiple loans into a single facility simplifies financial management and can potentially reduce overall interest costs. Lastly, transitioning from a variable to a fixed-rate home loan through refinancing offers the advantage of locking in a stable interest rate and repayment term, providing peace of mind amidst fluctuating market conditions. Overall, refinancing presents ADF Members with valuable opportunities to optimise their loan arrangements and enhance their financial well-being.

What is Refinancing?

Refinancing, also known as loan refinancing, is the process of acquiring a new mortgage to replace an existing one, whether it's for a home loan or an investment loan. This can involve switching to a different lender or renegotiating with the current one. There are various reasons for refinancing, including securing a lower interest rate, reducing monthly repayments, adjusting the loan terms, or consolidating debts. Additionally, individuals may opt for refinancing to access funds for home renovations or to fix a portion of their loan. At Defence Loans, assisting Australian Defence Force (ADF) Members with refinancing their Home Loan or Investment Loan is a key focus of ours, ensuring they receive tailored support and guidance throughout the process.

Why should I use a Mortgage Broker?

Using a mortgage broker can simplify the mortgage journey, provide access to a broader range of options, offer expert guidance, and streamline the application process, ultimately saving time and potentially securing better loan terms. Mortgage brokers serve as intermediaries between borrowers and lenders, offering valuable expertise and assistance throughout the mortgage process. One primary advantage of using a mortgage broker is access to a wide range of loan products from various lenders. This diversity allows brokers to tailor solutions to individual needs and financial situations. Additionally, brokers often have established relationships with banks and lenders, which can lead to better terms and rates for borrowers thank sticking with their main bank. Another key benefit is the guidance provided by mortgage brokers. They help navigate the complex mortgage landscape, explaining the intricacies of different loan options and ensuring borrowers understand their obligations. This personalised support streamlines the application process, saving borrowers time and stress.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia (MFAA). They are extremely professional and provide exceptional service across a range of lending options. In addition they have the essential qualifications and more to provide expert advice for any scenario you are in, whether it be refinancing your Home or Investment Loan, getting a Car Loan or a new Loan to purchase.

When Should You Refinance a Home Loan or Investment Loan?

There are a few things to consider when deciding if you should refinance your Home Loan or Investment Loan. First, you need to make sure that you can afford the new monthly payments. You also need to understand the costs associated with refinancing. We can help you with this, including to help you understand any cost of breaking your fixed term. There is no perfect time to refinance and depends on your needs. Often you will decide to refinance to move to a cheaper interest rate.

What are the Benefits of Refinancing a Home Loan or Investment Loan?

Refinancing your Home Loan or Investment Loan can offer numerous advantages for Australian Defence Force (ADF) Members. One of the primary benefits is the potential to secure a lower interest rate, which can significantly reduce monthly loan repayments. By obtaining a lower rate, ADF Members can effectively manage their finances more efficiently, freeing up funds for other essential expenses. Moreover, refinancing allows for the adjustment of loan terms to better suit individual financial circumstances. This could involve extending or shortening the loan term, or changing the repayment frequency to align with income cycles or budgetary preferences. Such flexibility empowers ADF Members to tailor their loans to their specific needs and goals. Additionally, refinancing can provide access to equity, enabling ADF Members to release funds for various purposes such as home renovations, purchasing a vehicle, planning a holiday, or investing in additional properties. Consolidating multiple loans into a single facility simplifies financial management and can potentially reduce overall interest costs. Lastly, transitioning from a variable to a fixed-rate home loan through refinancing offers the advantage of locking in a stable interest rate and repayment term, providing peace of mind amidst fluctuating market conditions. Overall, refinancing presents ADF Members with valuable opportunities to optimise their loan arrangements and enhance their financial well-being.

Can you help First Home Buyers?

We love helping First Home Buyers! Defence Home Loans helps Australian Defence Force (ADF) Members who are First Home Buyers access a Home Loan plus understand any Grants and Discounts that they are eligible for. For most, buying your first home with a Home Loan signifies one of the most significant financial decisions of their lives. It's an investment in the future, a foundation for family life, and a step towards financial security. Defence Loans is acutely aware of the importance of this milestone. We pride ourselves on our personalised approach, ensuring our clients are equipped with the knowledge, options, and support to make informed decisions. Our range of Home Loan solutions caters explicitly to the diverse needs of ADF members and first home buyers, offering competitive rates, flexible terms, and benefits uniquely tailored to the service life and career trajectory of defence personnel.

Can you help with Home Loans?

When it comes to securing a Home Loan, Australian Defence Force (ADF) members, face unique circumstances and challenges. Understanding these nuances, Defence Loans emerges as a beacon of support and guidance in the journey towards homeownership. Choosing Defence Loans to facilitate your Home Loan process is not merely a transaction; it's embracing a partnership that recognises and honours your service. We understand the significance of trust, especially when making such a substantial life investment. Our clients are at the heart of everything we do, and we go the extra mile to ensure your Home Loan journey is straightforward, transparent, and tailored to your unique situation.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

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Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.