National Direct Finance — Vehicle Finance

Novated lease.

Salary-package your next car — payments and running costs come out of your pre-tax salary, arranged through your employer.

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Individual - Know your personal lending power

Novated lease

Salary-package your next car through work

A three-way agreement between you, your employer, and the lender.

Novated lease

Salary-package your next car through work

A novated lease is a three-way agreement between you, your employer, and the lender — car payments and running costs come out of your pre-tax salary, which can reduce your taxable income depending on your circumstances.

Talk to us about novated lease
  • Paid via pre-tax salary
  • Running costs can be bundled in
  • Requires employer participation
Why National Direct Finance

Our loyalty is to you, not a lender

Unbiased panel

We're not tied to one bank — we compare and negotiate across our full lender panel for your situation.

Real experience

Decades in finance and automotive means we know which lender fits your circumstances, not just the lowest headline rate.

Straight answers

Best rate doesn't always mean best deal. We explain the trade-offs so you're not caught out later.

Reviews

What our customers say

Real reviews from Google — read them all here.

★★★★★

"The place to go for financing your vehicle. Since they work with many lenders, you are sure to get the best rate in the market. I have used their services twice already and very happy with the results and quickness of sorting everything out. The team looked after me and provided different estimates, so I could make the best choice for my needs."

EN
Ed Naretto — Google review
★★★★★

"Can't thank Michael enough for the excellent service he provided us with. Not only did he sort out the finance for our company car with ease but also did it in just 2 days. Very professional service and easy to work with. Highly recommended!"

AK
A Khasrawy — Google review
★★★★★

"Very very satisfied. Great comms and service and boy a way better rate than comparative brokers. Highly recommended!"

GB
Graham Peter Barnett — Google review
Our lenders

Access to Australia's leading lenders

Process

How it works

1

Tell us what you need

A quick chat or online form — no obligation, no credit score impact.

2

We compare the panel

We match your situation against lenders best suited to it, not just the biggest name.

3

You apply, we handle it

We guide the application and settlement so there's no guesswork on your end.

4

Ongoing support

We're here for the life of the loan, not just the sale.

Ready to get finance sorted?

Get a no-obligation quote — takes a couple of minutes online, or call us directly.

Apply Online Call 1300 836 546
FAQ

Common questions

Can I finance a car from a private seller? ⌄

Yes — private sale finance works much the same as dealership finance, though the lender may ask for extra checks on the vehicle before settlement.

Does getting a quote affect my credit score? ⌄

No — getting a basic quote or a rate estimate does not affect your credit score. Lenders use a "soft credit check" to look at your history and calculate that initial number, which leaves no negative mark.

How old can a car, caravan or boat be to qualify? ⌄

Most lenders will finance vehicles up to around 10-15 years old at settlement, though this varies by lender and asset type — and we have lenders on our panel who can consider older assets too. We'll match you with a lender who fits your specific vehicle.

How fast can I get approved? ⌄

Usually under 24 hours, often sooner — our record is under 1 hour!