Low Rate Vehicle Finance
How No Deposit Car Finance Works
How No Deposit Car Finance WorksGet a Quick Quote
Start with a no-obligation quote — it won’t affect your credit score. Just tell us what you’re buying and how much you want to borrow.
Use Our No Deposit Loan Calculator
Want to know your weekly repayments before you commit? Use our Car Loan Calculator to estimate your costs based on:Loan amountInterest rateDeposit or trade-inLoan term (1–7 years)You’ll see your estimated repayments instantly — weekly, fortnightly, or monthly.
Compare Your Best Rates
We search across trusted lenders to find competitive car finance options. You’ll see real rates, not estimates, with no hidden fees.
Apply with Confidence
Once you’ve found the right loan, we’ll guide you through the application. Most approvals happen within 24–48 hours.
No Deposit Car Finance for New & Used Vehicles
Whether you’re buying a brand-new hatchback, scoring a used SUV at auction, or negotiating a private-sale deal on a luxury sedan, Fundsie makes car finance simple—no deposit, no drama.
- 100% finance available – borrow the full purchase price
- No deposit required – keep your savings intact
- Fast approvals – get pre-qualified in hours
- Flexible terms – repayments to suit your lifestyle
- Dealer or private sale – we finance both
- No hidden fees – clear, upfront costs
We’ll assess your current position and show you what’s possible—no pressure, just clear, honest advice.
No Deposit Car Loan Calculator
Use our built-in loan calculator to estimate your repayments. Just enter:
Loan Amount
Preferred loan term (7 Years Maximum)
Estimated interest rate
You’ll instantly see:
Weekly, fortnightly, and monthly repayments
Total interest paid over the loan term
Total Amount Repayable ( This does not consider if you re pay out the loan early)
Reasons to Choose Fundsie
No Credit Impact
Rest easy knowing your credit score won’t be affected.
Flexible Loans
We offer various loan options to fit your budget.
Quick Approvals
Get your financing approved in no time.
Local Support
Our team is here to assist you every step of the way.
Frequently Asked Questions
Can I really get a car loan with no deposit?
Yes. Fundsie offers 100% finance options, meaning you can borrow the full purchase price of your car with no upfront payment required.
What types of cars can I finance with no deposit?
You can finance new or used cars whether from a dealer or private seller.
Do I need perfect credit to qualify?
Not necessarily. We work with a wide panel of lenders, including options for fair or limited credit. Your income, stability, and overall profile matter more than a credit score alone.
Can I get pre-approved before choosing a car?
Absolutely. Pre-approval gives you a clear budget and strengthens your buying power—especially when negotiating with sellers.
How fast is the approval process?
Most applications are reviewed within hours. Once approved, we move quickly to settle your loan and get you on the road.
Can I buy from a private seller?
Yes. Our no deposit loans cover both dealer and private sales, giving you more flexibility in choosing the right car.
Are there any upfront or hidden fees?
We’re upfront about all costs. While some lenders may charge establishment or documentation fees, we’ll walk you through everything before you commit.
What repayment terms are available?
Loan terms typically range from 2 to 7 years. We’ll help tailor a repayment plan that suits your budget and lifestyle.
