How it works

From build idea to getting on the road

Five steps, one point of contact, and no surprises about what a lender will ask for.

  1. Tell us what you are building

    Start a quick quote in our client portal with the vehicle, setup or upgrade you have in mind and where you are at. Nothing is checked with a credit bureau at this point.

  2. A quick chat

    A broker calls you back to understand the vehicle, the build, your budget and timing, and confirms what you will need to have ready.

  3. Compare suitable options

    We assess your circumstances against our lender panel and come back with options, explaining rates, fees, terms and any balloon so you can compare like with like.

  4. Apply

    Once you choose an option we prepare and lodge the application, chase the lender and keep you posted. You supply documents; we handle the rest.

  5. Settle and drive

    The lender pays the seller or workshop directly. You collect the vehicle and start the first repayment cycle.

What to have ready

Lender requirements vary and we will confirm exactly what is needed once we know which lender suits you. This is the usual list.

Everyone

  • Driver licence and a second form of ID
  • Details of the vehicle: quote, invoice or listing, and VIN if you have it
  • Build or accessory quotes from the workshop
  • Recent bank statements (most lenders ask for around 90 days)
  • Details of existing loans, cards and living expenses

Depending on how you earn

  • Employed: recent payslips
  • Self-employed: ABN details and recent tax returns or BAS
  • Business finance: financial statements, or an accountant letter for low-doc options
  • Private sale: seller details and proof of ownership
  • Modified vehicles: engineering certificate or the certifier's details

How long does it take?

Every lender is different. A complete application with clear vehicle and build details moves fastest; missing documents are the most common cause of delay. Once we know which lender you are going with we will tell you what to expect and keep you updated at each stage.

What we will always tell you

Before you apply you will receive our Credit Guide and a written summary of the option you are choosing, including the rate, fees, term, any balloon and the total cost over the term. We are paid a commission by the lender when a loan settles, and we disclose that to you in writing before you sign anything.

Planning a build on a vehicle you already own?

Talk to us before the workshop starts. Knowing how the work will be financed up front means the quote, the engineering and the loan can be lined up rather than sorted out later.

Ask about build finance

Ready to talk about your next build?

Start a quick quote in a few minutes and a broker will call you back to talk it through.

Get a quote