Start your application NOW, here!
We are crazy-fast!
Zip through your loan application in just 8 minutes and snag instant pre-approval. We make it quick and easy, ensuring you're on the fast track to your car!
Full transparency, always
No hidden fees, no surprises. We lay out all the costs associated with each lender, giving you the power to choose from over 60+ major lenders confidently. With us, what you see is what you get.
Loans that fit you perfectly
Our AI technology doesn’t just match loans; it ensures they fit your financial situation perfectly. Because you deserve a loan as unique as you are.
More Options.
More Speed.
Making it more simple for you .
It’s important to do your research on what loan suits you best. And everybody knows that research takes forever! With The Happy Finance Company, you can compare and find the best loan for you within seconds! The car buying journey should be a fun one, stress free and with all the information at your fingertips. Because that's the way it should be!
More Control.
We make it simple for you. There are three easy steps to follow when applying.
TO SECURE, OR NOT TO SECURE YOUR LOAN?
Secured.
A secured loan uses the asset being purchased, in this case the car, as security for the loan. If you the borrower can't repay the loan, the lender can reclaim the asset to cover the costs. Although if the sale of the asset doesn't cover the full amount owing, the borrower must pay the difference.
The benefit of secured loans is that they usually result in achieving a lower interest rate, due to the lower risk factors from a lender's point of view.
Unsecured.
In an unsecured loan scenario, the lender does not use any assets as a security (no collateral). This comes with a higher interest rate when compared to secured rates, as the risk is more for the lender. These types of loans are not generally for cars because you can usually save money by using the vehicle as security. Some situations that an unsecured loan might be useful for a car is if the car being purchased is not an acceptable asset for that specific lender, if the asset is too old, or even if you wish to borrow more than the actual purchase price by a substantial amount to cover costs or customisations to the car.
BUYING A NEW OR USED CAR
Whether you are buying a new or a used car, financing options can vary. Not surprising, but getting finance for a new car is usually more affordable as interest rates tend to be cheaper.
If your car is a fossil (15 - 25 years old), some lenders may not even give you the time of the day. If you do not have an expert loan marketplace, who provides you with a large and diverse panel of lenders you may be left with an unsecured loan which will attract higher rates, meaning you pay more.
Lucky for you, our panel comprises over 60 lenders, so you're bound to b e
CAR LOAN TERM/PERIOD
The length of your car loan can cost you money or save you money $$$. This makes it a very important consideration when you are thinking about getting car finance. As a rule of thumb, the longer your loan period, the smaller the repayment amounts but the more total interest you pay.
You should aim for a loan agreement that is affordable and allows you to comfortably make your repayments whilst minimising the interest. Be aware of any fees or charges for paying out your loan before the agreed period, as this can blow out your costs. LoanOptions reveals hidden fees and gives you confidence that you are getting the best deal.
Access to 60+
lenders & more!
When it comes to which lender to choose, you’re spoilt for choice. Banks, non-bank lenders and private lenders generally offer secured loans, and their rates can vary from being competitive to very expensive. Car dealers also offer finance, but would you ask your car salesman about financing? That's what we thought…Jump onto our loan marketplace and find out for yourself!
