Quick & Easy Car Loans

Apply online in under 60 seconds and our auto finance brokers will get to work

How are we different?

The Gusto Edge

Fast finance for the everyday Australian.

How does it work?

The Gusto Way

Fast finance for the everyday Australian.

FAQs

Questions? We're Glad you Asked.

Here’s a little more about how we operate. Got a more specific question? Feel free to get in touch.

You can start by completing our inquiry form here. You will also need to supply the following documentation:

  • 100 points of ID
  • Two recent payslips
  • 90 days worth of bank statements
  • Centrelink statement (if applicable)

Once you have provided all of the required information we will process and submit your application within hours! We aim for same-day approvals and a speedy settlement. 

Loan approval timeframes are dependent on your circumstances and cannot be guaranteed but we will always be following up with GUSTO!

Yes, bad credit car loans are our specialty! We have a number of lenders on our panel who will lend based on current behaviours rather than focusing only on past mistakes. 

If you are not yet ready then we can help wth some general guidance for how to improve your credit. 

The short answer is yes, but it will depend on the number, size, and type of defaults. Our expert brokers can provide you with a consultation to find what options are available to you. 

Book your obligation free consultation here.

As part of your initial consultation we will do a “soft credit check”. This does not affect your credit score and will not show as an inquiry on your credit file.

Once we submit your application to a lender they will always complete a full credit check as part of your loan assessment. This will show up as an inquiry.

Yes, some of our lenders will consider Centrelink income when assessing your capacity to make repayments on your car loan. 

However, not all Centrelink income categories are eligible and our brokers can guide you through this. 

Book your obligation free consultation here.  

You can borrow the full value of the car if this is your preference as long as you have the capacity to make the repayments and satisfy other lending criteria. 

However, if you have a deposit this can help either reduce the size of the loan and the costs you will pay over time. Or, you may be able to get a better quality car.

You may be able to drive away in as little as 48 hours if your application is transparent and complete. 

We always pursue a speedy outcome with GUSTO!

Our brokers will provide expert guidance to find the most suitable car loan for your circumstances. 

A credit guide and consent form will be provided to you prior to any loan application submission on your behalf. We will then fight with GUSTO to find a great deal!