Car Loans & Car Finance | Three Plus Me Finance

Car Finance That Works for You

Whether you are buying your first car, upgrading to a family car, adding a ute to your business fleet, or making the switch to an electric vehicle, Three Plus Me Finance helps you find car loan options that suit your situation. We work with a wide panel of banks and lenders across Australia so you are not locked into a single product or a single rate.

New Car Loans

There is nothing quite like that new car smell, and a new car loan should not get in the way of enjoying it. Three Plus Me Finance compares new car finance options across multiple lenders to help you find a loan amount and monthly repayment structure that fits your budget. Whether you are looking at a sedan, a van, a convertible, a hybrid car, or a fully electric car, we match the finance to the vehicle and to you. We also help you understand options like a balloon payment, which can reduce your monthly repayment and give you more flexibility at the end of the loan term.

Used Car Loans and Certified Pre-Owned Vehicles

A used car loan works differently to new car finance, and not every lender treats them the same way. Three Plus Me Finance understands the used car market and works with lenders who offer competitive rates on certified pre-owned vehicles and privately purchased cars alike. We take the hassle out of buying by handling the car loan comparison for you, so you can focus on finding the right vehicle rather than chasing paperwork.

Business Car Loans

For business owners, a business car loan is about more than just getting from A to B. It is a financial decision that can affect your cash flow, your tax position, and your ability to grow. Three Plus Me Finance works closely with tradies, transport operators, construction businesses, and other small-to-medium enterprises to structure car finance in a way that supports the business. We look at your full picture, including your income, your existing commitments, and your goals, to help you maximise your borrowing capacity without overextending.

Green Car Loans and Electric Vehicle Financing

Electric vehicle financing is growing rapidly, and lenders are responding with dedicated green car loan products that often carry lower interest rates than standard auto loan options. If you are considering an electric car or a hybrid car, Three Plus Me Finance can help you access these products and compare the car finance interest rate across lenders to find a structure that makes sense. Going green should not cost you more than it needs to.

Secured Car Loans and Loan Structures

Most car loans are structured as a secured car loan, meaning the vehicle acts as security against the loan amount. This typically allows lenders to offer lower interest rates compared to unsecured lending. Three Plus Me Finance explains the difference clearly and helps you understand what structure suits your circumstances. We also discuss no deposit options where they are available, so you are not held back if you do not have savings set aside.

Pre-Approved Car Loans

A pre-approved car loan gives you confidence when you walk into a dealership. Rather than relying on dealer financing, which may not offer the most competitive rates, Three Plus Me Finance can work toward a finance approval before you start shopping. This puts you in a stronger position when negotiating with a car dealer and means you already know your budget before you fall in love with a vehicle.

Refinancing Your Car Loan

If you already have a car loan and you feel like you are paying too much, it may be worth exploring a refinance car loan option. Three Plus Me Finance reviews your current loan, compares it against what is available in the market today, and helps you understand whether switching could reduce your Car Loan repayments or improve your loan terms. Refinancing is not always the right move, but it is worth knowing your options.

Three Plus Me Finance is not a direct lender. We are a finance broker who works on your behalf, comparing car loan options from banks and lenders across Australia to find a structure that fits your life or your business. If you are also looking at broader vehicle finance needs, including trucks, trailers, or other assets, our team can help with those too. For business owners who need more than just a car, explore our asset finance and business loans services to see how we can support your growth.

Our Simple Process

1. Get In Touch
Reach out by phone, email or through our website. We'll have a quick, no-obligation chat about what you're looking to achieve, whether that's financing a truck for your fleet, upgrading plant and machinery, purchasing a boat or aircraft, or sorting out a personal loan or car finance. This initial conversation helps us understand your situation and point you in the right direction from the start.

2. Tell Us Your Story
Every client is different and we want to understand your unique circumstances. We'll ask about your business, income, current commitments and what you're hoping to finance. No judgment, just honest conversation. Whether you're a business owner looking at cashflow solutions, a tradie needing new equipment, or an individual refinancing a car loan, the more we know, the better we can tailor a solution that actually fits your life and cash flow.

3. Review Your Options
Once we understand your needs, we'll search our panel of lenders to find the right match. We work with banks, non-bank lenders and specialist finance providers, including those experienced in asset finance, maritime loans, aviation finance and niche vehicle lending, to give you real choice. We'll explain the options available, including interest rates, loan terms and repayment structures, in plain English. No confusing jargon.

4. Choose Your Solution
We'll present our recommended finance options and walk you through the pros and cons of each. You're in control. We're here to guide, not pressure. Whether you're comparing equipment finance structures, weighing up vehicle loan terms or looking at refinancing options, once you've decided what works, we move forward. Questions at any stage? We're a phone call away.

5. Lodge Your Application
We handle all the paperwork and submit your application to the lender. Whether you're running a business, managing a fleet or working full-time, we take care of the admin so you don't have to. We'll tell you exactly what documents we need and help you gather everything efficiently. Our job is to make this process as smooth as possible.

6. Manage The Process
Once your application is lodged, we stay on top of it. We liaise with the lender, answer their questions and keep you updated every step of the way. If additional information is needed, we'll let you know quickly and help you provide it. From asset finance approvals to personal loan settlements, we're your advocate throughout.

7. Settlement And Beyond
When your finance is approved, we coordinate settlement and make sure the funds get where they need to go. But our relationship doesn't end there. As your business grows, your fleet expands, or your personal circumstances change, we're here for ongoing support, whether that's restructuring, refinancing or arranging additional funding. One call. That's all it takes.

Client Testimonials

Jo Weldon

Kimberley helped us out with a loan for a used vehicle. She secured a better loan rate than we were offered by the car yard. Everything was so quick & easy, all our documents were sent by email. No question was a bother, kept us informed all the way. Have recommended her to all our friends! Will definitely use Kimberley for our next vehicle. If I could give more than 5 stars I would!

Juliet

I am so grateful to have been connected to the beautiful Kimberley. She is so amazing to work with, nothing is ever hard for her and she does it with such grace and great transparency. She has helped me with the purchase of my new car which I thought would be impossible but she worked her magic and I got approved. If excellence was a person it would be Kimberley! Love your work Kimberley, and I would 10000000% recommend her to everyone. Bless! 🧡

Monaco Landscapes

Kim is an exceptional broker who makes the entire process effortless. Nothing is ever too difficult for her, and she consistently finds solutions where others see obstacles. Unlike many brokers who rely solely on spreadsheets and numbers, Kim takes a holistic approach, considering the bigger picture to deliver the best outcomes. My business has grown exponentially, and much of that success is thanks to Kim’s expertise, dedication, and strategic guidance. I couldn’t recommend her highly enough.

Our Panel of Lenders

Got Questions?

What types of finance can Three Plus Me Finance help with?

We assist with a broad range of business, commercial, asset & equipment and consumer finance solutions. Whether you're looking to improve cash flow, grow your business, purchase vehicles or equipment, refinance existing commitments or fund a personal purchase, we'll help you explore the options available.

Why use Three Plus Me Finance instead of going directly to a bank?

Rather than being limited to the products and lending criteria of one institution, we have access to a broad panel of lenders. We take the time to understand what you're looking to achieve, explore suitable options and manage the finance process from enquiry through to settlement.

Can you help me find the right finance for my business?

Yes. Every business is different. We look at your business, funding requirements and objectives to help identify finance options suited to your circumstances — whether that's working capital, expansion, refinancing, commercial funding or finance for vehicles and equipment.

Can you refinance or restructure existing finance?

Yes. We can review eligible existing business, commercial and asset finance and explore refinancing or restructuring options that may better support your cash flow, current circumstances and future plans.

What if my circumstances or credit history aren't straightforward?

Yes. We can assist with reviewing your credit file and exploring rectification where information may be incorrect, outdated or eligible to be disputed. Where appropriate, we can also help you understand the steps available before applying for finance.

How quickly can finance be arranged?

Timeframes depend on the type of finance, lender and complexity of the application. Some straightforward applications can move quickly, while larger business and commercial transactions may require additional assessment. We'll keep you informed throughout the process and work to keep things moving.