Apply for a Car Loan

Car Loans

Most people walk into a dealership and take whatever finance rate is offered. A broker compares options across 30+ lenders to find a rate and structure that actually fits your situation.

who is this service for

Is a car loan through Borro™ right for you?

This is probably for you if:
Probably not for you if:

GET IN TOUCH

We're Here to Help

Complete the form below and we’ll get back to you as soon as possible.

What actually happens when you get in touch?

No surprises. Here's exactly what to expect.

01
Step 1
We call you within one business day
A quick call to understand what you’re buying, your timeline, and whether you’re purchasing personally or through a business. Takes about 10 minutes.

02

Step 2

We compare your options
We search across 30+ lenders and come back with the most competitive rates and structures for your situation. For business purchases we’ll flag whether a chattel mortgage or hire purchase makes more sense than a standard loan.

03

Step 3

You review and decide
We present your options clearly. No pressure to proceed. If you want to go ahead, we handle the application and all lender communication from here.

04

Step 4

Funds settle directly
Once approved, funds go straight to the dealer or private seller. You get the keys. We stay in touch after settlement in case your circumstances change.
The whole process from first chat to approval typically takes 2-5 business days for straightforward applications.

Over 300 5-star Reviews on Google

Posted on Google Google
Chelsea Craven profile picture
Chelsea Craven
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Cara and her team at Borro have been nothing short of exceptional throughout our home loan process. From the very beginning, Cara provided clear communication and comprehensive information, making the process of moving banks and securing a loan for our new mortgage smooth and stress-free. She took the time to explain every step, answer all our questions, and ensured we felt confident in the decisions we were making. Her professionalism, knowledge, and genuine care made what can often be a complicated process feel simple and well supported. I could not recommend Cara and the team at Borro more highly to anyone looking to secure a home loan or refinance. Their service and support have truly been outstanding. ⭐️⭐️⭐️⭐️⭐️
Posted on Google Google
Bryce Wells profile picture
Bryce Wells
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Campbell from borro as our mortgage broker was an outstanding experience from start to finish. From the very beginning, he was professional, knowledgeable, and genuinely committed to helping us secure the best possible outcome. Campbell took the time to clearly explain every step of the process, making what can often be a stressful and confusing experience feel simple and manageable. He was always available to answer questions, provided honest advice, and worked incredibly hard behind the scenes to find the right loan that suited our needs. What really stood out was his communication and dedication. Campbell kept us updated throughout the entire process and made sure everything moved smoothly and efficiently. His attention to detail and willingness to go the extra mile gave us complete confidence that we were in good hands. Thanks to Campbell, the whole process was far easier than we expected. We would highly recommend him to anyone looking for a reliable, knowledgeable, and supportive mortgage broker. If you want someone who truly cares about getting the best result for you, Campbell is the person to call.
Posted on Google Google
Candice Staadecker profile picture
Candice Staadecker
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kelly and Lina were fantastic. They work at a fast pace which is exactly what you want in a mortgage broker. I would highly recommend Borro.
Posted on Google Google
Jamie Borg profile picture
Jamie Borg
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Incredibly knowledgable, patient, dilligent and got the results I needed.
Posted on Google Google
Jarrah Kelly profile picture
Jarrah Kelly
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Campbell was so attentive and helpful. He was also always pleasant to communicate with.
Posted on Google Google
Troodon profile picture
Troodon
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great experience with my recent refinance. I had friendly, proactive, and timely assistance provided by Kelly and the Borro team.
Posted on Google Google
Morteza Nourbakhsh profile picture
Morteza Nourbakhsh
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We had a great experience with our broker, Campbell! They were extremely helpful and professional throughout the entire mortgage process, always keeping us updated and regularly checking in to see if we needed any help. Their support made the whole experience much less stressful. We highly recommend them.
Posted on Google Google
Paul Hawkey profile picture
Paul Hawkey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great service and advice from Campbell and the team.
Posted on Google Google
sid alsid profile picture
sid alsid
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ Huge thanks to Kelly and the Borro team for their help with my refinance. The process had a few complications, but Kelly was always professional, patient, and easy to deal with. Communication was clear throughout and everything was handled smoothly through to settlement. Highly recommend Borro!
Posted on Google Google
Susie profile picture
Susie
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kelly from Borro was an absolute delight to work with! She made applying for a home loan feel easy, guiding me every step of the way and keeping me informed throughout the entire process. Kelly was always prompt, professional, and communicated clearly with genuine empathy, which made a huge difference in helping me understand the loan process and feel fully supported. She consistently provided timely updates, even after work hours and during her annual leave, which I was incredibly grateful for. Thanks to her guidance, we secured formal approval on time. I couldn’t be happier with the outstanding service and would highly recommend Kelly to anyone looking for a knowledgeable and trustworthy mortgage broker.

Dealer rate

9.8%
Borro™ rate
6.4%

Savings

$3,200
Settlement

5 Days

Car loan case study

How a local couple saved thousands with the help of Borro™

Ages 34 & 36 · Nurse & Electrician · Logan, QLD · March 2026
The couple had been quoted 9.8% through the dealership for the SUV and were planning to use savings for the work vehicle. Borro™ compared options across their lender panel and secured both vehicles under separate loan structures. The SUV came in at 6.4% and the work ute was structured as a chattel mortgage, giving the electrician full tax deductibility on the vehicle.

benefits of using a broker

Why finance your car through Borro™?

Compare rates across 30+ lenders, not just the dealership's in-house finance

See options side by side and understand what's most relevant to you.

Consumer and business vehicles covered under 
one broker

Get a straightforward explanation of your position and next steps.

Chattel mortgage, hire purchase, and standard car loan structures available

A structured approach that saves time and reduces uncertainty.

Business vehicle finance structured for maximum 
tax efficiency

Work with a team that prioritizes transparency and your goals.

Approval possible within 24-48 hours for straightforward applications

Faster turnaround for simple scenarios.

New, used, dealer, and private sale purchases all supported

Flexible options for different buying scenarios.

how it works

How to get your car loan sorted with Borro™

01
Step 01
Tell us what 
you need
New or used, personal or business – we start with a quick chat to understand what you’re buying and how you want to structure it. No paperwork upfront.
02
Step 02
We compare 
your options
We search across 30+ lenders to find a rate and structure that fits your situation. For business vehicles we look at tax-effective structures like chattel mortgage or hire purchase.
03
Step 03
We handle the application
Once you’re happy with the option we recommend, we manage the paperwork and liaise with the lender directly. You stay updated throughout.
04
Step 04
You drive away
Funds settle directly with the seller or dealer. We stay in touch after settlement in case your circumstances change or a better deal becomes available.
Common questions about car loans

Frequently Asked Questions

Yes. We can finance new vehicles, used vehicles, dealer purchases, and private sales. Eligibility criteria may vary between lenders depending on the age and condition of the vehicle.
A standard car loan is typically used for personal vehicles. A chattel mortgage is a business finance structure where the vehicle is used as security — it allows the business to claim GST upfront and may offer tax deductions on interest and depreciation. If you’re buying a vehicle primarily for business use, a chattel mortgage is usually worth discussing.
Yes. If your current rate is higher than what’s available now, refinancing could reduce your repayments or shorten your loan term. It’s worth a quick review.
For straightforward applications, approval can come through within 24-48 hours. More complex situations such as self-employed borrowers or older used vehicles may take a little longer.
No. Our service is free to you. We’re paid a commission by the lender when your loan settles.
Yes, though the right structure depends on whether the vehicle is for personal or business use. For primarily business-use vehicles, a chattel mortgage or hire purchase may be more tax-effective. We’ll help you work out the right fit.
Typically photo ID, recent payslips or business financials if self-employed, bank statements, and details of the vehicle you’re purchasing. Your broker will confirm exactly what’s needed.
We do an initial assessment before any formal application is submitted, so you have a clear picture before anything is lodged with a lender.
MEET THE TEAM

Your Logan Lending Experts.

Cara Giovinazzo

Cara Giovinazzo

Managing Director & Senior Mortgage Broker

Borro™ - Brisbane Dip. Finance & Mortgage Broking View Profile
Kelly Paterson

Kelly Paterson

Senior Mortgage Broker

Brisbane Dip. Mortgage Broking View Profile
Karlee Spence

Karlee Spence

Mortgage Broker

Brisbane Dip. Mortgage Broking View Profile
Campbell Moylan

Campbell Moylan

Mortgage Broker

Melbourne B. Comm/B. Finance, Grad. Cert. (Financial Technology), Cert IV Financial Services View Profile
Ben Bath

Ben Bath

Mortgage Broker

Brisbane Cert IV Mortgage Broking View Profile
Xatiese Wilson

Xatiese Wilson

Client Service Manager

Brisbane Cert III Business, Cert IV Finance & Mortgage Broking View Profile
Lina Faavae

Lina Faavae

Client Service Manager

Cris-an Pution

Cris-an Pution

Settlement Officer

Chia Sales

Chia Sales

Settlement Officer

Our Sevices

How We Help Logan Borrowers

We offer tailored mortgage solutions for Loganholme borrowers—whether you’re buying by the beach, refinancing inland, or growing your property portfolio.
A woman in a pink blazer holds and reviews a document with a man in a light suit. They sit at a table in a modern office, discussing paperwork together.

Purchase a new vehicle or other asset and equipment types.

Let Borro™ bring calm to the chaos of the entire home buying journey.

Take your business to the next level with Borro™.

Review your home loans and find a competitive interest rate.

Our team takes care of the heavy lifting, from initial eligibility checks and pre-approvals to application support and post-settlement assistance.

Consolidate debt, reduce interest, free up your budget with Borro™.

Secure a competitive mortgage for your Australian investment property.

Let us help you find the right personal finance solution for you.

Gain home buying confidence with pre-approval for your price range.

Our calculators help you make informed financial decisions with ease.

MASTER YOUR FINANCES WITH OUR FINANCIAL CALCULATORS

Crunch the numbers.

Take control of your financial future with our specialised finance calculators. From budgeting and loan comparisons to investment projections, our tools offer clear insights and accurate calculations to help you make informed decisions. Explore our suite of calculators and start planning smarter today!

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Get started quickly with our online forms.

You’re in a strong position. We can compare rates across 30+ lenders and have options back to you quickly.
A chattel mortgage could save you significantly on tax. Let’s look at the right structure for your situation.
If your rate is above 7%, there’s a good chance we can find you something better. Book a free review.