Finance kept simple.

We compare options across a broad panel of Australian lenders to find finance that fits you — not the easiest sale for us.

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Calculators

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Individual - Know your personal lending power

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What we finance

Every option, compared for you

Personal and business finance, matched from across our lender panel — not limited to one bank's products.

Car Finance

New, used & refinance — personal, business, secured & unsecured.

Caravan Finance

New & used caravans and RVs, secured or unsecured.

Boat & Marine Finance

Boats, outboards & jet skis — new or used.

Commercial Finance

Trucks, excavators, machinery & work vehicles.

Business Finance

Cashflow, invoice finance & fitout funding.

Personal Loans

Debt consolidation, renovations, holidays & general purpose.

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Process

How it works

Tell us what you need

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

We compare the panel

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

You apply, we handle it

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

Ongoing support

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

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.

Access to Australia's leading lenders

FAQ

Common questions

What's the difference between a chattel mortgage and a lease? ⌄

With a chattel mortgage you own the asset from settlement and the lender holds a mortgage over it. With a lease, the finance company owns the asset and you pay to use it, with an option to buy at the end.

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 fast can I get approved? ⌄

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

Can you help if I'm self-employed? ⌄

Yes. We approve self-employed applicants every day. Most reviews are completed in less than 24 hours.