Australia's #1 best car and vehicle finance.

Compare and save on rates for personal car and vehicle finance, loans and leasing solutions. Get the best deal available in the market.

95%

success rate - simple approvals and fast funding.

65+

lenders to compare with zero impact on credit score.

FREE

service with no in-house fees, upfront or hidden costs - ever!

30%

increase in savings when choosing us as your broker.

We will beat competitor quotes!

COMPARE YOUR OPTIONS HERE!

Excellent 4.9 out of 5

"Wonderful service from Simon and the entire crew at Overdrive! Could not be happier with the outcome."

Anthony Whittingham

Compare and save on vehicle finance.

Are you employed and searching for your next vehicle? At Overdrive Funding, we provide customized personal car loans to get you behind the wheel of your dream car quickly and effortlessly. Our car financing solutions offer competitive rates, flexible terms, and fast approvals, helping you secure a loan that suits your budget.
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We work with a large network of over 65 trusted lenders, giving you access to a wide range of options regardless of your credit profile. With no hidden fees or upfront costs, our transparent approach ensures you have all the details you need before making a decision. Let us help you secure the best possible financing for your next car with a hassle-free process that prioritises your needs.

Whether you're looking for a new or used vehicle purchased from a dealership or private seller, we've got you covered. We provide affordable loans for all types of vehicles, including cars, suvs, utes, vans, eletric &luxury vehicles, motorhomes, caravans, motorbikes, light commercial vehicles and many more.
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Ready to get started? Complete our simple online form or call us at 1300 883 859, and we'll take care of the rest. We value both your time and ours—if we can't help, we'll be honest and direct, informing you right away.

Get A Free Quote

We are dedicated to understanding your personal financial goals, offering strategic guidance tailored to your needs. Our commitment goes beyond a single loan—we strive to earn your trust and hope to receive referrals to support your family and friends as well.

Over 30 years of experience in vehicle & car financing.

Why choose us?

Free service with no upfront costs or hidden fees

Gain a dedicated licensed finance broker

30+ years experience

Australian family-owned brokerage firm

We build trust by being honest and transparent

Our experts help you save time and money

Access to major banks & non-bank lenders

Competitive rates, repayments & loan terms

Same-day approvals & fast settlements

90 day fixed pre-approvals: Shop with confidence

Credit score protection

Zero paperwork: We do all the hard work

New or used - no asset age restrictions

Purchase from a dealership or private seller

Personalised service tailored to your specific needs

Expert and strategic negotiation approach

No wait times: Direct access to our team

Non-property owners accepted

Solutions for various credit profiles

Established, new and 1 day ABN holders

Balloon payment and early payout options

No deposit options

Insurance solutions through our trusted network

Built a loyal client base due to our rates & service

Finance brokers who handle it all.

Overdrive Funding handles it all, offering comprehensive solutions for every aspect of personal financing, from start to finish. We manage everything—from finding the most competitive rates and terms to handling all necessary paperwork—while maintaining clear communication and setting realistic expectations. At Overdrive, we ensure every client fully understands the financing process and knows what to anticipate at each stage. Our transparent and proactive approach builds trust and creates strong relationships, allowing you to confidently move forward while we take care of the details.

Specialist support and fast approval

Our team of dedicated car loan specialists is here to guide you through every step of the car loan application process. We take the time to understand your unique needs, ensuring we help you find the best car loan options for which you qualify. This commitment has resulted in an impressive car financing approval rate. With our expertise, you can have your car loan approved in as little as 24 hours.

Assisting people Australia wide

New South Wales (NSW) Queensland (QLD), Western Australia (WA), South Australia (SA), Tasmania (TAS) and Northern Territory (NT) major cities and surrounding areas!

Rate negotiations & communication

We handle all negotiations with lenders to secure the most competitive rates and favorable terms, leveraging our deep industry knowledge and extensive network. Our team works with accountants and vendors to streamline asset acquisition and ensure all documentation is accurate and complete. By overseeing these critical interactions and details, we simplify the financing process, allowing our clients to focus on their daily life while we manage the complexities and ensure everything runs smoothly.

Our range of services

Overdrive offers a wide range of solutions for business and personal purposes.

Chattelle mortgage

Operating lease

Finance lease

Novated lease

Rent-to-own

Consumer financing

Asset refinancing

Sale and leaseback

Business loans

Business overdrafts

Business line of credit

Invoice / debtor finance

LETS GET STARTED!

Our simple vehicle loan process.

Get A Free Quote

Receive a complimentary comparison quote by completing our short online form or giving us a call to discover the wide range of affordable vehicle and car financing options at your disposal.

Conditional Approval

We will conduct a credit profile evaluation that will not leave any imprints in order to find the most suitable lender for your vehicle loan and obtain a quick pre-approval. You can shop and enquire with confidence, or if you've already found your vehicle, we'll initiate the settlement process.

Sign Documents

After we receive confirmation of the settlement, we will thoroughly review your loan terms and repayment options to make sure they meet your needs and preferences. Once the contract is ready, it will be sent to you for your review and signature.

Get Funded

Once the funds are ready to go, we will make sure to contact you and extend our best wishes on your successful purchase. Afterward, you will be able to proceed with collecting your vehicle at your convenience.

GET A FREE QUOTE

Car finance made easy.

Our experienced consultants offer an extensive range of services and affordable solutions.

Fast approvals & turnarounds.

Apply online or give us a call to find out if you're eligible for a pre-approval in just minutes. Obtain a formal car approval within 24 hours. For low doc applications you can receive funds within 48 hours.

No paperwork or wait times.

We'll handle every step required, ensuring a smooth and hassle-free process for you. No need to stress about long waiting times or excessive paperwork from the banks or other organizations.

Credit score protection.

Before your online application is matched with a suitable lender, it undergoes a thorough, soft touch evaluation of over 1,000 lender policies. This evaluation is done without leaving any imprint, ensuring that your credit score remains protected. *Evaluations are covered by us.

Low monthly repayments.

You have the advantage of being able to compare competitive car finance rates, repayments and flexible loan terms through our extensive network of over 60 trusted Australian banks and non-bank lenders.

Personalised service.

We value our proactive and personalized approach, which is a key component of our service. We understand that every client and application has unique needs and requirements, and we are committed to providing them with the necessary support.

Guidance and support.

We are committed to providing comprehensive support and peace of mind throughout the entire car loan process, from start to finish. Our primary focus is ensuring that our clients receive the highest level of service and assistance, both during and after settlement.

Car refinancing.

You can refinance your car through Overdrive Funding. In the event that you desire a better interest rate on your loan, a balloon refinance, or payment terms, give our specialists a call, and we will handle the rest to get you a better outcome.

Come for rates -
Stay for service.

We are focused on delivering the best rates in the consumer car finance industry. We are committed to providing exceptional service and working diligently to help our clients achieve their long-term goals.

Insurance solutions.

When needed, we can assist you in securing vehicle insurance. Our network includes reputable vehicle insurance providers who can offer expert guidance on insuring your car.

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