No fee to use BaseRate
BaseRate does not charge you to estimate repayments, review options or submit an application. Financier fees may still apply.
The BaseRate Journey
From estimate to drive away - completely online.
Fully digital. No branch visit. Fast digital finance. BaseRate takes you from repayment estimate to signed contracts entirely online.
No credit check at this stage · lender-panel comparison · Approval subject to lender criteria
Selected lenders from our accessible asset-finance panel
The logos shown are selected examples, not a promise that every lender or product is available. BaseRate has access to 60+ asset-finance lenders. Lender and product availability varies, and BaseRate does not compare the whole market.
The 8-step car finance journey
- 01
Discover
Browse Cars or Estimate Repayments
Start by browsing popular vehicles with indicative weekly repayment estimates, or go straight to a calculator and enter your own figures. No sign-up required at this stage.
Weekly figures are indicative - 7-yr term, 10% deposit, indicative rate. Not an offer of credit.
Browse Cars - 02
Personalise
Answer a Few Profile Questions
Tell us a little about yourself - your employment, income and residency. We use this to surface suitable lender options for your profile. No credit check at this stage.
This step does not affect your credit score.
- 03
Options
See Suitable Lender Options
We match your profile with lenders from our panel. You see indicative options - lender, estimated weekly repayment, indicative rate range and key terms - so you can make an informed choice before applying.
Options are indicative only, subject to lender criteria and final assessment.
- 04
Apply
Apply Online, Securely
Select a lender option and complete your application online. Your details are verified and submitted directly to the lender - no middle layer, no phone-tag, no branch visit.
A credit check occurs when you formally apply with a lender.
- 05
Approve
Get Your Finance Approved
The lender assesses your application and returns a decision. Most approvals take 1–2 business days. You will be notified by email and can check your status in the portal at any time.
Approval is subject to lender criteria, credit assessment and information provided.
- 06
Invoice
Upload Your Dealer Invoice
Once you have found your car and agreed on a price, upload the dealer invoice directly in the portal - or use the built-in dealer instruction template so the dealer sends it on your behalf.
Invoice must show dealer ABN, VIN, purchase price and dealer bank details.
- 07
Sign
Review and Sign Your Contracts
Your loan contracts are generated digitally and sent for your review and signature online. No printing, no scanning, no branch visit required.
Takes approximately 5 minutes. You have time to read every clause.
- 08
Drive Away
Settle and Drive Away
Once contracts are signed, funds are disbursed directly to the dealer. You receive a remittance confirmation and settlement summary. Then you collect your car.
What makes BaseRate different?
Commission disclosed
If an introduced loan settles, the financier pays BaseRate a commission. The amount can vary by financier and product.
No credit check until you apply
You can estimate, browse and personalise options without any impact on your credit score. A check only occurs at step 4.
100% online
From estimate to signed contracts - every step happens digitally. No branch visits, no fax, no callback delays.
For good-credit buyers
BaseRate is designed for buyers with a healthy credit history who want a fast, clean digital experience - not a subprime workaround.
Transparent, not pushy
We show you suitable options, explain the terms and let you decide. There is no hard sell and no countdown timers.
Common questions
Does applying with BaseRate affect my credit score?
Browsing cars, using the calculator and answering profile questions does not affect your credit score. A credit check only occurs when you formally apply with a lender (step 4).
How long does the full process take?
Most customers complete steps 1–3 in under 10 minutes. Approval typically takes 1–2 business days. Settlement occurs once contracts are signed and the invoice is verified - often the same or next business day.
Does BaseRate charge any fees?
BaseRate does not charge you to use the service. If an introduced loan settles, the financier pays BaseRate a commission. Financier interest, fees, charges, credit criteria and terms may still apply.
Can I apply for a used car as well as a new car?
Yes. BaseRate supports finance for new and used vehicles across a range of lenders. Terms may vary for used vehicles depending on age, condition and lender criteria.
What if I am not approved?
If a lender declines your application, BaseRate may show you other suitable options from our panel, subject to your profile. We recommend not applying with multiple lenders simultaneously as each application involves a credit check.
Ready when you are
See what fits your budget.
Build an illustrative estimate with clear assumptions before deciding whether to apply.
Financier-paid commission disclosed · Credit criteria apply