Flexible Finance and Insurance
We handle the finance, you choose the car.
Flexible Finance Options
At all Jarvis locations, we offer tailored and flexible finance options to approved applicants. To save you valuable time, we have dedicated Business Managers on-site to assist with all aspects of your financial services applications.
Some of the benefits of allowing Jarvis to manage your finance needs include:
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Certainty of Repayments
Fixed rates means you will know your loan repayments for the life of the loan.
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No hassles
We will assist you with all the paperwork.
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No deposit
In many cases we can provide you with 100% finance to cover all on-road costs.
How it works with a Jarvis business manager
Every Jarvis location in Adelaide has a business manager on site. Instead of applying to lenders one at a time and collecting knock-backs, they take your situation to a panel of lenders and bring back the options you qualify for, so the loan and the car get sorted in the same place.
Different lenders suit different situations, which is the practical reason to go through someone who deals with all of them daily. All finance is subject to approval and to the lender's terms. See the lenders we work with.
Loans arranged this way are normally at a fixed rate for a fixed term, so your repayment stays the same for the life of the loan and a rate rise does not change what you pay. In many cases finance can cover the full purchase price including on-road costs, so a deposit is not always required. Whether that is available to you depends on your circumstances and the lender's assessment.
What you will need to apply
Applying is straightforward if you come prepared. Bring photo identification, normally a driver's licence, along with proof of income such as recent payslips, or business and tax records if you are self-employed. Your business manager will also ask about your regular expenses, any existing loans, credit cards or buy-now-pay-later accounts, and your residential and employment history.
It is worth knowing that unused credit card and buy-now-pay-later limits count against your borrowing capacity even when the balance sits at zero, because lenders assess the limit rather than the balance. Closing accounts you no longer use before you apply is one of the few things that reliably helps.
Jarvis Finance Check
A car loan calculator that works out what you can comfortably afford before you talk to anyone. No credit check, no mark on your file.
Your Business Manager receives
Plus your name and contact details from the form below. Your income, expenses and dependants are not sent.
This is an estimate worked out from the figures you entered. It is not a quote, not an offer of finance and not an approval, and it is not an assessment of what any lender will lend you. Lenders apply their own criteria, use benchmark living costs where these are higher than the figures you give, and expect you to keep a buffer rather than commit your whole surplus. Your Business Manager will confirm what you can actually borrow. Finance is available to approved applicants. Credit criteria, fees, charges, terms and conditions apply.
Finance Quote
Give us a call
Visit a dealership
Drop us an email
Trading in?
Get your current car valued at the same time. A trade-in reduces the amount you need to borrow, which changes what your repayment looks like, so it is worth knowing the number before you settle on a budget. You can get a valuation without committing to anything.
What our customers say
Finance is the part people worry about most. Here is how customers rate us across every Jarvis dealership in Adelaide.
Protection and cover
Cover and protection products available through your Business Manager.
View protection and coverGet pre-approved before you shop, and know what to check
Pre-approval is worth doing before you fall for a particular car. It tells you your real budget upfront, so you shop with a firm number rather than finding a car first and stretching to afford it. Use the affordability calculator above to get a rough sense of what a weekly repayment translates to; it is a guide only and not an offer of finance.
Before you sign anything, ask your business manager to walk you through a few things in dollars rather than percentages. Ask for the comparison rate rather than just the advertised rate, since the comparison rate folds in the fees and is the number that lets you compare two loans honestly. Ask for the total amount payable over the full term, and whether there is a balloon or residual payment at the end, since a balloon lowers your monthly repayment but leaves a lump sum owing when the term finishes and you need a plan for it. Ask about early payout fees in case you want to clear the loan ahead of schedule, and what any add-on products cost over the life of the loan. If something is not clear, ask for it in writing.
Common questions
The questions Adelaide buyers actually ask us about car finance.
Rates and what finance costs
What interest rate will I get on a car loan?
There is no single rate. What you are offered depends on the lender, the type of loan, the term, whether you have a deposit or trade-in, your credit history and the car itself. Your Business Manager will come back with an actual rate for your situation rather than an advertised headline figure. Ask for the comparison rate when they do.
What is a comparison rate and why does it matter?
The comparison rate includes the fees attached to a loan as well as the interest rate, so it reflects the real cost. Two loans with the same advertised rate can have quite different comparison rates. It is the number to use when comparing offers.
Is car finance at a fixed or variable rate?
Car finance arranged through Jarvis is generally at a fixed rate for a fixed term, so your repayment stays the same for the life of the loan and a rate rise does not change what you pay.
Why do car finance rates differ between lenders?
Lenders price for the risk they see and for the kind of lending they specialise in. The same applicant can receive materially different offers from two lenders. That is the practical reason to go through someone who deals with all of them daily rather than applying to one and hoping.
Is a lower interest rate always the better deal?
Not always. A lower rate over a longer term can cost more in total than a higher rate over a shorter one, and a loan with an attractive advertised rate can carry fees that a higher-rate loan does not. Compare on the comparison rate and on the total amount payable over the full term.
Choosing the right finance
Is dealership finance better than going to my bank?
Not automatically. A Business Manager can approach several lenders and sort the loan and the car in the same place, which is usually faster and means one conversation instead of several. Your bank may still price your particular profile more sharply. Compare on the comparison rate and the total amount payable, not the advertised rate.
What is the difference between a secured and an unsecured car loan?
A secured car loan uses the car itself as security, which normally means a lower rate. An unsecured loan does not, so the rate is usually higher but there are fewer conditions attached to the car. Most finance arranged at a dealership is secured against the vehicle.
Can I get finance on a used car?
Yes. Lenders do apply limits on vehicle age and kilometres and those limits vary between them, so a car that one lender will not fund another will. Your Business Manager will tell you what applies to the specific car you are looking at.
Can I finance a car through my business?
Yes. If you hold an ABN, a chattel mortgage or a finance lease may suit better than a consumer loan, and businesses registered for GST may be able to claim an input tax credit. Which structure works best depends on how the vehicle is used and how the business is set up, so it is worth a conversation with your accountant as well.
What is a novated lease?
A novated lease is an agreement between you, your employer and a lease provider where the payment comes out of your salary before tax. It suits some people very well and others not at all, depending on income and how much you drive.
Credit and eligibility
Will getting a finance quote affect my credit score?
No. Asking for a quote and talking through your options leaves no mark on your credit file. Only a formal application does.
Will a finance application affect my credit score?
Yes. A formal application creates an enquiry on your credit file, and several applications in a short period read poorly to lenders. This is the main practical reason to go through a Business Manager. They put your application to one lender rather than you applying to several and collecting enquiries, and knowing which lender fits which situation is what they do every day.
Can I get car finance with bad credit?
Some lenders consider applicants with impaired credit history and others will not, so whether you can be approved and on what terms depends on your circumstances. This is exactly the situation where it matters where the application is lodged, because a knock-back from the wrong lender leaves a mark on your file for nothing. Talk to a Business Manager before you apply anywhere.
What credit score do I need for a car loan?
There is no single number. Lenders weigh your income, how long you have been employed, your existing commitments and your repayment history alongside any score. A modest score with steady income and few commitments often reads better than a higher score carrying a lot of debt.
Can I get car finance if I am self-employed?
Yes. We may need access to your business financials, but in most cases our lenders can offer approvals without them. Your Business Manager will tell you which applies before you gather anything.
Can I get car finance on a casual or part-time income?
Often yes. Lenders generally look at how long you have been in the role as much as the type of employment. Your Business Manager will ask about your employment history and tell you which lenders are comfortable with it.
Can I get car finance if I am not a permanent resident?
Not being a permanent resident does not rule you out. We have lenders who consider applicants on temporary, student and bridging visas. What matters most is how much time is left on your visa relative to the loan term, along with your income and employment history. Bring your visa details to the appointment and your Business Manager will tell you which lenders suit your situation before anything is lodged.
Do my credit card and buy-now-pay-later limits affect how much I can borrow?
Yes, more than most people expect. Unused credit card and buy-now-pay-later limits count against your borrowing capacity even when the balance sits at zero, because lenders assess the limit rather than the balance. Closing accounts you no longer use before you apply is one of the few things that reliably helps.
Repayments and loan structure
How long can I take a car loan over?
Loans are generally available over terms up to seven years. A longer term lowers each repayment but increases what you pay in total, so it is worth seeing both numbers before you choose.
Can I pay weekly, fortnightly or monthly?
All three are available. Not every lender offers every frequency, so if lining repayments up with your pay cycle matters to you, say so early and it can be factored into where the application goes.
Do I need a deposit to finance a car?
Not always. In many cases finance can cover the full purchase price including on-road costs. Whether that is available to you depends on your circumstances and the lender's assessment.
What is a balloon payment?
A balloon, sometimes called a residual, is a lump sum left owing at the end of the loan term. It lowers your regular repayments but you need a plan to pay, refinance or trade out of it when the term ends. Ask for the balloon amount in dollars before you agree to one.
Can I pay my car loan out early?
Usually yes, though some loans carry an early payout fee. Ask what it would cost to clear the loan early before you sign, particularly if you expect your circumstances to change.
Can I refinance my car loan later?
Often, yes. Whether it is worth doing depends on how much of the term is left, the rate you are on and any payout fee. Bring your current contract and it can be checked against what is available now.
Applying and approval
How long does a finance application take?
In most cases a full application can be completed in 10 to 15 minutes. Coming prepared with your identification and proof of income is what makes the difference.
How quickly can I get approved for car finance?
In many cases approval comes back on the spot, and customers often drive away the same day. That depends on your circumstances and the lender's assessment, so it is not something we can promise before we have looked at your situation.
What do I need to apply for car finance?
Photo identification, preferably a driver's licence, and proof of income, which for most people is 2 to 3 recent payslips. Your Business Manager will also ask about your regular expenses, any existing loans, credit cards or buy-now-pay-later accounts, and your residential and employment history.
Should I get pre-approved before choosing a car?
It is worth doing. Pre-approval tells you your real budget, so you shop with a firm number rather than finding a car first and stretching to afford it.
Can I apply for car finance online?
You can start an application online from any car's page on this site. If you have not settled on a car yet, book a finance appointment and a Business Manager will take you through it in person or over the phone.
Fees and the fine print
What fees are involved in car finance?
Fees vary between lenders and can include an establishment fee, an ongoing monthly account fee and, on some loans, an early payout fee. The comparison rate folds the fees into a single number, which is why it is the figure worth asking for.
What should I ask before I sign a finance contract?
Ask for the comparison rate rather than just the advertised rate. Ask for the total amount payable over the full term. Ask whether there is a balloon or residual at the end and, if so, what it is in dollars. Ask about early payout fees, and what any add-on products cost over the life of the loan. If something is not clear, ask for it in writing.
Is my information kept confidential?
Yes. Your information is handled in accordance with the Jarvis Privacy Policy and is provided only to the lenders your application is submitted to.
Book your finance appointment
You can book a finance appointment at any Jarvis dealership in Adelaide, with or without a specific car picked out yet. If you are trading in, get that valued at the same time so the whole picture, the new car, the trade and the finance, is on the table together.
Finance is available to approved applicants. Terms, conditions, fees and charges apply.
