Our car loan application process
At loans.com.au, our mission is to do everything possible to make it easier to drive away from the car dealership in your new car sooner.
1. Application
Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
What you do
- Fill out your online application
What we do
- Contact you at a time that works for you to discuss the information you provided or complete your application for you
2. onTrack
After your application is complete, use our system we call onTrack on your desktop or device to log in and add your documentation such as payslips and bank statements, and track the progress of your application.
What you do
- Log into onTrack
- Upload supporting documents
What we do
- Verify your information
3. Speak to specialist to get preliminary approval
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.
What you do
- Book an appointment
What we do
- Notify you of your preliminary approval
4. Signing loan documents
Check onTrack to receive your final approval and loan agreement. You must sign these and return them in to onTrack to progress to settlement.
What you do
- Receive final approval & loan documents in onTrack
- Complete loan agreement & return to us
What we do
- Call you to ensure everything is in order
5. Settlement
Your loan will settle do you can make payment to the dealer. You'll start saving with your new low rate, and get your keys to your new dream car!
What you do
- Get the keys to your new car
- Start saving!
What we do
- Once settlement is complete, we’ll send you login credentials to Smart Money
6. Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
What you do
- Log in to Smart Money
- Manage your payments
What we do
- Answer any questions you have
