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Free, obligation-free loan health check
Is your current loan still the best deal for you?
Lenders, offers and your own situation change over time, and most people never check whether their loan has kept up. It costs you nothing for us to review it. If we can find you a better option, we’ll let you know. If we can’t, we’ll tell you that too.
- ✓Complimentary and obligation-free
- ✓Compared against 50+ lenders
- ✓A straight answer: switch or stay
Book a call with our team
Skip the application for now. Tell us what you need, then pick a time.
What would you like to talk about?
Mon to Fri, 9am to 5pm AEST (Brisbane time). Or call 1300 378 387.
5.0 ★
from 1,400+ five-star reviews
50+
lenders on our panel
20+ years
finance experience
ACL 518268
Australian Credit Licence
★★★★★Verified review
I had a fantastic experience dealing with Jackson. He made the entire finance process incredibly easy and straightforward from start to finish.
Daniel Agostini
Kane was AWESOME. He guided me through every step to get my loan, and we got there in the end. Friendly and professional.
Aaron Lyttle
A massive thank you to Chad Masri for providing such a seamless experience from start to finish throughout my car buying journey.
Siluni Kumarapperuma
I was fortunate to work with Connor from eCarz. He was extremely helpful, clear communication and very very efficient.
Raigan Meadows
Had an absolutely fantastic and stress-free experience… Mick made the whole process incredibly easy and hassle-free.
Dom
We had a great experience with eCarz group! Gary was very helpful and straight up from the start.
Christine Puddephatt
David provided a very efficient and straightforward process… Highly recommend the group.
Peter Sproule
Everything went very smoothly. Happy with the price.
Thaddeus Kulig
Read all 1,400+ reviews →
Why it’s worth a look
Refinancing is the thing most people never think to check
Plenty of people sign up for finance at the dealership or through their bank and never look at it again. A health check is a good idea if any of these sound like you.
You took the dealer’s finance
Finance arranged on the spot is convenient, but it may not have been compared across the market.
Your situation has improved
A better credit history, a steadier income or an older ABN can open up options you didn’t qualify for before.
A balloon payment is coming up
If a lump sum is due at the end of your loan, it pays to plan ahead. We can look at your options well before it falls due.
Repayments feel too tight
We can look at whether a different structure or lender could make repayments more manageable.
You’d like to pay it off sooner
Some loans make extra repayments hard or costly. Others don’t. We’ll show you the difference.
You simply haven’t checked in a while
The market moves. If it’s been a year or more, a quick review costs you nothing.
How it works
Three steps, no strings attached
Tell us about your loan
Book a call and have your latest loan statement handy: lender, balance, repayment, time left and any balloon.
We compare the market
Your broker checks it against our panel of 50+ lenders, including any payout and establishment fees, so you see the real difference.
You get a straight answer
If there’s a better option, we’ll show you and handle the switch. If your current loan is still the right one, we’ll tell you.
What we can review
Car loans Motorcycle loans Boat loans Caravan and RV loans Truck finance Equipment finance Business loans Personal loans Finance for doctors
Loan health check questions
Does the health check cost anything?+
No. The review is complimentary and there’s no obligation to change anything.
Will it affect my credit score?+
Reviewing your current loan doesn’t need a credit check. If you decide to go ahead with a new loan, the new lender will run one as part of the application, and your broker will tell you before that happens.
Are there costs to switch loans?+
There can be. Your current loan may have an early payout or break fee, and a new loan may have establishment fees. We include these in the comparison so you can see whether switching is actually worth it.
What types of loans can you review?+
Car, motorcycle, boat, caravan, truck, equipment, business and personal loans, whether you got them through a dealer, a bank or another broker.
I have a balloon payment coming up. Can you help?+
Yes. Talk to us well before it’s due and we’ll go through your options, including refinancing the balloon amount.
What if my current loan is already the best option?+
Then we’ll tell you, and you can carry on with confidence.
Book your free loan health check
Pick a time that suits you, or call 1300 378 387.
Book my health check
General information only. A loan health check is not a recommendation to refinance; any new loan is subject to the lender’s assessment and approval, and fees and charges may apply. Consider your own circumstances and seek independent advice if you need it. Credit services provided by eCarz Finance Pty Ltd, Australian Credit Licence 518268.
6/35 Paringa Road, Murarrie QLD 4172
Mon to Fri 9:00am to 5:30pm · Sat by appointment
1300 378 387
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PartnersAsset Finance ExchangeThe eCarz Group is a proud referral partner of Asset Finance Exchange: one platform to connect you with trusted referral partners.
Credit services provided by eCarz Finance Pty Ltd ABN 71 617 296 241, Australian Credit Licence 518268. Part of the eCarz Group.