
Buy your dream car hassle-free with the best car financing services in Adelaide
Adelaide has great public transportation, but many spots in it are best reached by car. For me, driving around the city feels like rediscovering it!
That’s why once I had a stable cash flow, I immediately set my eyes on buying my first car. Knowing a big purchase could impact my wallet, I chose to avail myself of car financing.
This allowed me to buy a car with a flexible installment plan, which left me with a budget for accessories like phone mounts and chargers.
If you’re eyeing your dream car but want a flexible payment plan like me, check out the best car financing services in Adelaide here.
Progress Lending

Services: Low document car loans, novated lease, chattel mortgage, business loans, bad credit loans
Website: https://progresslending.com.au/
Contact Details: +61 1300 151 553
Business Hours:
- Monday-Friday: 8 AM-6 PM
- Saturday: 10 AM-2 PM
Google reviews score | 4.5/5 |
Total reviews | 5/5 |
Score consistency | 4.5/5 |
Terms of loans | 5/5 |
– Interest rates (A higher score means lower interest rates) | 5/5 |
– Length of payment | 5/5 |
Representatives | 5/5 |
– Responsiveness | 5/5 |
– Professionalism | 5/5 |
Accessibility | 4/5 |
Additional features | 3/5 |
Pros
- More than 20 years of collective experience
- Processes loans fast (can be on the same day)
- Has loan with low interest of 3.85%
- Over 80 loans available
Cons
- Limited additional features for loans
- No physical office
Progress Lending is one of the most convenient options for car financing in Adelaide. They provide low-doc loans (loans with minimal paperwork and requirements) and usually provide same-day loans.
The company is led by Anthony and Peter, who collectively have more than 20 years of experience in the loan industry. They provide an accessible and user-friendly service that I especially recommend for first-timers.
They can provide over 80 loans from over 30 providers. Notably, they can provide loans with interest as low as 3.85%.
I also found their online loan application form to be one of the most streamlined and simple to use.
That said, they don’t provide many features for the loans aside from extended warranty and loan protection. Also, they don’t have a physical office, which may be a dealbreaker for those who prefer face-to-face interactions for major loans.
Very helpful and easy to deal with
“Anthony was very professional.
He was very helpful and easy to deal with. He was very patient in dealing with the new car dealership.
I highly recommend Anthony for giving me the best interest rate.
Cheers Progress Lending, 11 out 10 rating!”
– Johnaeve| Google Review
Absolutely incredible to deal with
“Excellent experience with progress lending! Anthony was absolutely incredible to deal with. He made the whole experience super easy and was always quick to respond to any questions I had. Even though I didn’t have much going in my favour, he was still able to secure me my loan. Thank you Anthony!”
– Rachele| Google Review
Sertified Finance

Services: Loans for cars, caravans, motorbikes, trucks, trailers, business
Website: https://sertified.finance/
Contact Details: +61 1300 041 041
Facebook reviews score | 5/5 |
Google reviews score | 4.5/5 |
Total reviews | 5/5 |
Score consistency | 5/5 |
Terms of loans | 4.5/5 |
– Interest rates (A higher score means lower interest rates) | 4/5 |
– Length of payment | 5/5 |
Representatives | 5/5 |
– Responsiveness | 5/5 |
– Professionalism | 5/5 |
Accessibility | 4/5 |
Additional features | 5/5 |
Pros
- Access to 78 loan providers
- Fast approval process (can be on the same day)
- Responsive and friendly representatives
Cons
- Pricey broker fees
- No physical office
Sertified Finance has 78 loan providers, one of the largest networks in Adelaide. This translates to more loan variety to match more clients.
Notably, they have loans that give discounts for electric vehicles, ones that are specifically for bad credit clients, and ones for those purchasing luxury cars.
They use a unique CRM (customer relationship management) tool that allows for faster and more personalized loan terms. In addition, it makes the approval process quicker too (can be on the same day).
Their representatives are also praiseworthy for being responsive and friendly.
In terms of downsides, however, their broker fees are pricey. Also, they don’t have a physical office.
Very quick to respond and takes pride in his work
“ Harry was an exceptional agent. I have dealt with a few agents in the past and I can confidently say Harry has been the best so far. Very confident with his work, no pressure at all. Very quick to respond and takes pride in his work. Was such a smooth process and extremely quick working out the finance. Thank you very much for helping me purchase my business vehicle in such a short time.”
– Sub2000w| Google Review
Amazing from start to finish
“ Harry was amazing from start to finish, he helped me get a car loan through my business and did a very quick turnaround. Cannot thank him enough, no question was ever too hard. Thanks again Harry”
– Hannah| Google Review
Sanomi Finance

Services: Personal loans, vehicle loans, business loans, refinancing, novated lease
Website: https://www.sanomi.com.au/
Address: 19 Rundle St, Kent Town
Contact Details: +61 1300 880 331
Operating Hours:
- Monday-Friday: 8:30 AM-5 PM
Google reviews score | 5/5 |
Total reviews | 4.6/5 |
Score consistency | 5/5 |
Terms of loans | 5/5 |
– Interest rates (A higher score means lower interest rates) | 5/5 |
– Length of payment | 5/5 |
Representatives | 5/5 |
– Responsiveness | 5/5 |
– Professionalism | 5/5 |
Accessibility | 5/5 |
Additional features | 3/5 |
Pros
- Well-designed website
- Transparent with costs and terms of loan
- Responsive representatives
Cons
- Rigid payment terms
- No repair discounts and roadside assistance
Sanomi Finance has one of the best websites I’ve seen for car financing. It’s simple and, most of all, transparent about fees and loan contract terms.
The company was founded in 2006 and has over 40 loan companies in its network. Their loan offers are compatible with cars, caravans, fleets, businesses, and more.
I also appreciate their representatives’ efforts to simplify the car loan terms without downplaying their drawbacks. They’re also responsive and quick to answer queries.
Compared to other car financing companies, however, their loans have more rigid payment terms. They also lack additional features like repair discounts and roadside assistance.
Easy to deal with and professional
“I had the pleasure of dealing with Sam for a purchase on a new car and was blown away by how easy to deal with and professional Sam was.
He also managed to get me a really cheap rate. Would highly recommend giving Sam a go for anything finance related.”
– Matthew| Google Review
Proactive communication kept me informed throughout the loan process
“The Sanomi team helped out for a car purchase and were great! Proactive communication kept me informed throughout the loan process and made it much easier. Highly recommend it!”
– Mitchell| Google Review
Vehicle Solutions Australia Pty Ltd.

Services: Novated leasing
Website: https://vehiclesolutions.com.au/
Address: 12 Greenhill Rd, Wayville
Contact Details: +61 404 671 528
Operating Hours:
- Monday-Friday: 8:30 AM-5:30 PM
Google reviews score | 4.8/5 |
Facebook reviews score | 4.6/5 |
Total reviews | 5/5 |
Score consistency | 4.7/5 |
Terms of loans | 5/5 |
– Interest rates (A higher score means lower interest rates) | 5/5 |
– Length of payment | 5/5 |
Representatives | 4.5/5 |
– Responsiveness | 4/5 |
– Professionalism | 5/5 |
Accessibility | 5/5 |
Additional features | 5/5 |
Pros
- Expertise is novated leasing
- Connected with over 280 employers nationwide
- Over 40 years of combined experience
- Processes loans fast (can be on the same day)
Cons
- Not responsive post-purchase
- Complicated paperwork
Vehicle Solutions Australia is my top pick if you’re looking for novated leasing (the type where your employer pays for the car).
The company was founded by Greg and Vanya, who have over 40 years of combined experience. They’ve created a large network of over 280 employers all over the nation who can easily avail of their leasing. This translates to fast approval times and higher approval rates.
The novated leasing calculator on their website processes fast and accurately too. Because of this, before the point of sale, making lenders more informed before buying.
That said, they’ve received complaints for poor post-purchase responsiveness. Some also found their paperwork a bit too complicated.
One of the best companies I’ve dealt with in a long time
“Being in the customer service industry, I was not only impressed with the knowledge of their business but their demeanor and awesome personalities. It’s hard to find that these days so it made my whole experience comforting from start to finish.
I would have absolutely no problem recommending Vehicle Solutions! One of the best Companies I’ve dealt with in a long time. Well done guys, keep up the awesome work!!”
– Jodie| Google Review
The process was really smooth on my end
“Major props to Van, Julian and the team here for assisting me in my first car lease. The process was really smooth on my end – Van was excellent in answering all my questions and explaining all the steps in what was required from my end as well as being attentive in responding to the car dealership. When it came time to secure the deal Julian was very fast in getting the paperwork completed with my employer – when finance was approved the turnaround from that point to me picking up my brand new car was less than a week! Couldn’t be happier with my decision – highly recommend these guys if you’re considering the leasing route.”
– Adam| Google Review
Adelaide Prestige

Services: Car loans, car sales, boat loans, caravan loans, motorbike loans, truck loans
Website: https://www.adelaideprestige.com.au/
Address: 23 Katrina Ave, Windsor Gardens
Contact Details: +61 412 976 888
Operating Hours:
- Monday-Friday: 9 AM-5 PM
Google reviews score | 5/5 |
Total reviews | 4/5 |
Score consistency | 5/5 |
Terms of loans | 5/5 |
– Interest rates (A higher score means lower interest rates) | 5/5 |
– Length of payment | 5/5 |
Representatives | 4.5/5 |
– Responsiveness | 4/5 |
– Professionalism | 5/5 |
Accessibility | 4/5 |
Additional features | 4/5 |
Pros
- Also sells cars
- Over 30 specialist lenders in its network
- Can source cars for clients
- Detailed loan calculator on website
Cons
- Limited appointment slots
- Takes a couple of days to respond to online queries
Adelaide Prestige’s standout feature is that they’re also a car dealer. This makes the car purchase experience faster.
Led by Danny, the company processes loans for cars, motorbikes, boats, caravans, and more. They have a network of over 30 specialist lenders who can do same-day approvals.
As a car dealer, they can source cars based on your preference. Clients can also sell cars directly to them, which can help increase the down payment.
They also have a very detailed loan calculator tool on their website that comprehensively shows balloon payments, repayment frequency, terms, and more.
That said, their appointment slots are limited. They also take a couple of days to respond to online queries.
The customer service was exceptional
“We purchased a car from Danny at Adelaide Prestige and couldn’t be happier! The customer service was exceptional and we are thrilled with the car. He also assisted with having electric brakes fitted prior to collection, and after sales assistance that has saved us considerable money which we have really appreciated.
There was never any sales pressure, like many other car dealers. Danny is extremely knowledgeable and if he doesn’t have what you’re after, he can help find it for you. We wouldn’t hesitate in recommending him to anyone looking to purchase a quality car.”
– Jo | Google Review
Very relaxed approach with no pressure
“Danny was great to deal with. Exceptional service. Very relaxed approach with no pressure. Very accommodating and couldn’t be more helpful. Highly recommend Adelaide Prestige for buying or selling.”
– Samuel| Google Review