Car Finance Gold Coast and Australia-Wide
Turn your dream of owning a car into a reality with our customised car loan solutions at Ace Asset Finance.
Gold Coast Asset Broker For Commercial and Personal Car Loans
If you’re looking to finance a personal car or expand your business fleet, we’re here to help. We specialise in securing low-rate car loans for both individuals and businesses Australia-wide from our office on the Gold Coast, with fast approval times to get you on the road quickly.
Our car finance solutions are designed to offer flexibility and preserve your cash flow. Whether you’re buying a new car, upgrading your current vehicle, or acquiring commercial vehicles, we provide loan options that minimise risks, lower costs, and support smart purchasing decisions.
Choosing Ace Asset Finance means access to over 30 lenders and competitive interest rates tailored to your needs. Our experienced brokers will guide you through the process, offering personalised support from application to settlement, ensuring a smooth and stress-free experience.
Ace At A Glance
- Loan Amount: Ranges from $4,000 to $100,000+
- Loan Terms: Typically range from 12 months to 10 years
- Eligibility: We cater to both individuals and businesses across Australia, with options for low doc and full doc applications
- Approval Time: Same-day approvals are available for eligible applicants
- Lenders: Access to over 30 banks and lenders
- Loan Types: Includes options for both business use and personal use, with over-the-phone applications available
- Service Hours: Applications can be processed Monday to Sunday, from 8 am to 8 pm
Types of Car Loans We Help You Secure
At Ace Asset Finance, we specialise in providing tailored car financing solutions for both individuals and businesses. Whether you’re looking for a personal vehicle, expanding a business fleet, or financing specialty cars, we offer flexible options across a wide range of loan categories, including:
Business Car Loans
Ideal for companies looking to grow their vehicle fleet or acquire new commercial vehicles, our business car loans come with competitive rates and repayment terms. Whether it’s a single car or an entire fleet, we work with you to ensure you get a financing solution that fits your business's unique needs.
Personal Car Loans
Finance your new or used car with options such as fixed or variable interest rates, secured or unsecured loans, and balloon payment structures. We customise each loan to suit your lifestyle and financial goals, ensuring you get the best terms for your purchase.
Luxury Car Loans
If you’re interested in financing a high-end or luxury vehicle, we offer specialised loan options tailored for premium cars. With competitive interest rates and flexible terms, our luxury car loans make it easy to secure the vehicle of your dreams.
Specialty Vehicle Loans
We provide financing solutions for specialty vehicles such as heavy machinery, vans, trucks, and other commercial or industrial vehicles. Whether you're in construction, agriculture, or another industry, we help you secure the financing you need to keep your operations running smoothly.
5 Simple Steps To Securing Your Car Loans
1. Apply
Fill out the online application form or contact us over the phone on 0401 956 234.
2. Documents
Submit necessary documents (ID, financial statements, business details).
3. Approval
Receive approval within 24 hours (for eligible applicants).
4. Contracts
Review and sign the finance agreements.
5. Settle
Get your car/s financed and ready to use.
Why Choose Ace Asset Finance?
Expert Guidance
With over two decades of experience in the asset finance industry, we deliver unmatched expertise in every consultation while providing tailored solutions that align with your individual needs.
Fast, Efficient Approvals
Our smooth approval process is designed for speed and efficiency, often delivering same-day results, so you can move forward with your asset purchases promptly.
Competitive Interest Rates
Unlock interest rates designed to fit your financial ambitions and budget, allowing you to maximize your investments and efficiently control your expenses.
Flexible Asset Financing
From vehicles and equipment to machinery and beyond, our extensive financing solutions cater to various asset types, giving you the adaptability and backing essential for your needs.
Why choose Ace Asset Finance?
Leveraging over two decades of expertise, we partner with 40+ lenders to secure personalised finance solutions for our valued clients.
Applying won't affect your credit score
Rest assured, when you apply for finance through Ace Asset Finance, your credit score will not be affected.
Expert help from our team
You will be guided by a dedicated finance broker every step of the way. Our aim is to make your experience with us seamless and effortless.
Competitive interest rates
At Ace Asset Finance, we to everything in our power to ensure your loan has the lowest possible interest rates.
Contact us today
40+ lenders to find you the best solution.
Frequently Asked Questions
What is the difference between a secured and unsecured car loan?
A secured car loan is backed by the vehicle you’re purchasing, meaning the lender can repossess the car if you fail to make your payments. Because the loan is secured by an asset, interest rates tend to be lower, and approval is generally easier.
An unsecured car loan, on the other hand, is not tied to any asset, which means the lender doesn’t have a claim on your car if you default. However, unsecured loans often come with higher interest rates and stricter approval criteria since they carry more risk for the lender.
What documents do I need to apply for a car loan?
To apply for a car loan, you’ll typically need the following documents:
- Proof of identity (e.g., driver’s license, passport)
- Proof of income (e.g., recent pay slips, tax returns if self-employed)
- Bank statements (usually the last 3-6 months)
- Proof of address (e.g., utility bills)
- Details of the vehicle you intend to purchase (if already selected)
- Proof of any assets or liabilities (to show your financial standing) Specific requirements may vary depending on the lender.
Can I pay off my car loan early? Are there any penalties?
Yes, you can generally pay off your car loan early. However, some lenders may charge early repayment fees or penalties, especially if the loan is fixed-rate. It’s important to check the terms and conditions of your loan agreement to understand any fees that may apply for early repayment.
What interest rates can I expect on my car loan?
Interest rates on car loans vary based on several factors, including:
- Whether the loan is secured or unsecured
- Your credit score and financial history
- The type of car you’re purchasing (new or used)
- The loan term (shorter terms may have higher rates)
- The lender you’re working with
Generally, secured loans tend to have lower interest rates, ranging from 4% to 8% for those with good credit, while unsecured loans can have higher rates. It’s best to consult with an asset broker for a personalised rate estimate.
Get a free quote today by enquiring online.
Is there a minimum or maximum loan amount for car loans?
Yes, the minimum and maximum loan amounts for car loans can vary depending on the lender. Most Australian lenders offer car loans starting from around $5,000 for smaller or used vehicles. The maximum loan amount typically depends on the borrower’s financial situation and the value of the vehicle, but many lenders offer loans up to $100,000 or more for luxury or commercial vehicles.
The specific loan amount you can qualify for will depend on factors such as your income, credit score, and the lender’s policies. Some lenders may also cap the loan amount based on the car’s value or age (for example, they may not finance older vehicles).
At Ace Asset Finance, we help find and secure finance solutions for a range of assets. If you aren’t sure where to start in securing your car, contact us today.