Banks give you one offer — their own. Hundy Finance isn’t tied to one lender. We operate under the Ausloans credit licence and access a wide lender panel across Australia. That means we can compare real options across the market, based on your profile and the type of vehicle you’re buying. Once we’ve found a competitive match, a Hundy broker guides the process from start to finish — so you’re not stuck dealing with a call centre or chasing updates yourself.

Generally, you need to meet these minimums:

You must be 18 or older

You need to be an Australian citizen or permanent resident
(visas with 2+ years remaining can still be considered)

You must currently be working

Your take-home income needs to be at least $400 per week

Employment guidelines:
Minimum 1 month in permanent full-time or part-time work in the same industry (probation can still be acceptable).

t’s straightforward. To get your application moving, you’ll normally need:

Valid Australian ID confirming residency status

Your last 2 payslips

A current bank statement

That’s enough to allow your Hundy broker to verify income, confirm identity, and progress your assessment fast.

Yes — absolutely. Self-employed applicants are eligible. You can finance the full vehicle purchase price, and you can usually include extras such as insurance or extended warranty costs inside the loan amount if required..

Yes — bad credit doesn’t automatically mean no. Hundy Finance looks at your overall situation, not just a score. As we operate under the Ausloans credit licence, we have access to a wide lender panel — including lenders that specialise in applicants with credit issues or Centrelink income. We’ll review your profile, and if there’s a workable option, we’ll put it forward

No. When Hundy Finance runs an assessment, it doesn’t show up on your credit file as a “decline” the way a direct bank application can. However — if you have a history of multiple recent enquiries (6 or more within 12 months), some lenders may treat that as a risk factor. So it’s important not to scatter-apply everywhere.

A secured loan uses an asset — like the car — as security. If you stop paying, the lender can recover the asset. Because there’s less risk to the lender, secured loans generally come with sharper interest rates.

An unsecured loan doesn’t tie the loan to the vehicle. Rates are usually higher because the lender has no asset backing the risk.