Car Loans in Sydney's Inner West
Ready to hit the road in your new car? Whether you’re buying for personal use or upgrading your business fleet, Stellar Finance Group helps you secure the right car loans in Sydney’s Inner West with fast approvals, flexible loan terms, and competitive rates.
Who Doesnt Love That New Car Smell?!
Applying for a car loan in the Inner West Sydney area can be straightforward. With clear information and the right documents, you can complete your loan application efficiently and be on the road in no time.
Buy as a Consumer
Buying a car for yourself? Our expert brokers provide tailored loan options with competitive interest rates and flexible monthly repayments to suit your financial situation and budget.
Buy Within Your Business
Need a vehicle for your business? Our finance brokers specialise in business loans and commercial car finance tailored to Sydney’s Inner West companies, offering competitive rates without compromising your cash flow.
Car loans
Gear Up With the Right Knowledge for Your New Wheels!
Choosing the right car loan is crucial to avoid financial stress. Understanding loan products, repayments, and your borrowing capacity can make all the difference.
What Car Loan Types Are Available?
Secured Car Loans: Use your car or other assets as collateral to secure a loan with lower interest rates. Ideal for buyers who want better terms and larger loan amounts.
Unsecured Car Loans: No collateral needed, but higher interest rates may apply based on your credit profile and financial situation.
Novated Lease: A salary packaging option popular in Sydney’s Inner West for employees wanting flexible car finance solutions.


Lease Agreements: Renting the car with an option to buy at the end of the term.
SECURED: By offering collateral such as your car or property you secure the loan, providing assurance to lenders. This security decreases their risk, allowing them to offer you lower interest rates compared to unsecured loans where no collateral is required.
UNSECURED: This loan doesn’t require additional security, like your car or property. Instead, approval depends on your credit score. Be aware that interest rates may be higher than those for secured loans, and the amount you can borrow might be less.
FIXED RATE: Your interest rate and repayments will stay the same during the fixed term of your car loan.
To calculate your fixed-rate loan repayments, you can use our Loan Repayment Calculator.


What About a Balloon
Opt for a balloon payment to pay a larger portion of the loan’s value at the end of your term. This sum is typically a predetermined percentage of the total loan amount.
WANT LOWER INITIAL REPAYMENTS?
This setup helps reduce your initial monthly payments, giving you more financial flexibility when you start repaying your loan.
CONSIDER…
Think about how this affects the total interest paid over the life of the loan and the final amount you owe. Remember, the remaining balloon payment will need to be settled in one full sum at the end of your term.
IS THIS RIGHT FOR YOU?
Let us guide you through whether a balloon payment fits your financial strategy. We’ll discuss the benefits and factors to consider in more detail. Get in touch to learn more about the right car loan for you.
How to Apply for a Car Loan in Sydney's Inner West
1. Speak to a Car Finance Specialist
Get personalised advice from our mortgage brokers experienced in car loans and other loan products suitable for Sydney’s Inner West buyers.
2. Compare Loan Options
We access a wide panel of trusted lenders to find you competitive rates and the right loan amount tailored to your needs.
3. Submit Your Loan Application
Prepare documents like proof of income, identification, vehicle details, and credit history to meet lender requirements quickly.
4. Loan Approval and Settlement
After approval, funds are paid to the dealership or seller, and you can drive away in your new car with confidence.
Why Choose Stellar Finance Group?
Founded by Dr. Lisa Bridgett, a PhD-qualified finance expert, our team specialises in helping Sydney Inner West residents and businesses find the right car finance solutions. We understand local market conditions, lender criteria, and tailor loans to your unique financial situation.
Whether it’s a personal loan, business loan, or a secured car loan, we guide you step-by-step to secure competitive rates and flexible terms with trusted lenders.
Who We Are
DR. LISA BRIDGETT

Founded by Dr. Lisa Bridgett, a PhD-qualified finance expert, our team specialises in helping Sydney Inner West residents and businesses find the right car finance solutions. We understand local market conditions, lender criteria, and tailor loans to your unique financial situation.
Whether it’s a personal loan, business loan, or a secured car loan, we guide you step-by-step to secure competitive rates and flexible terms with trusted lenders.
How Car Loans Work
Your Trusted Partner in Property and Finance
A car loan allows you to borrow money to purchase a vehicle, which you repay over time through scheduled monthly repayments. Depending on the type of car loan you choose, the loan may be secured against the car or unsecured, with different rates and conditions.
1. Choose Your Loan Type
There are two main types of car loans:
Secured Car Loan – The lender uses the car as security. This usually results in a lower interest rate and is ideal for newer vehicles.
Unsecured Car Loan – No collateral required, but typically comes with a higher rate. Great for used cars or buyers with strong credit scores.
2. Apply and Get Approved
After selecting your preferred loan type, you’ll submit a loan application including proof of income, credit history, and vehicle details. The lender assesses your financial situation, credit score, and loan amount requested to determine your eligibility.
3. Receive Funds and Purchase the Car
Once your car loan is approved, funds are paid directly to the dealership or seller. You can now drive away in your new vehicle.
4. Make Regular Repayments
You repay the loan in fixed or variable monthly payments over the agreed loan term (typically 1 to 7 years). If you chose a fixed rate loan, your repayments stay the same throughout.
5. Final Payment or Balloon Option
If you’ve selected a balloon payment structure, you’ll make lower repayments during the loan term and a larger lump sum at the end.
Frequently Asked Questions
What fees are involved in car loans?
Typical fees include establishment fees, ongoing service fees, early repayment penalties, and any applicable balloon payments. We provide full transparency to help you compare true costs.
How do I know the right loan amount and term?
Our finance brokers assess your borrowing capacity based on income, expenses, and credit history to recommend suitable loan amounts and terms for manageable repayments.
Can I get a car loan if I have a poor credit score?
Loan eligibility depends on your overall financial situation. We work with lenders offering various products, including options for less-than-perfect credit.
How long does the loan approval process take?
With Stellar Finance Group’s relationships and experience, approvals for car loans in Sydney’s Inner West can be fast-tracked, often within days.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones

From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu

Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan

It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw

Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Speak to Us
Talk to Our Sydney Inner West Car Loan Experts Today

Contact Stellar Finance Group for expert, personalised advice on car loans in Sydney’s Inner West. Whether you’re a first-time buyer or upgrading your vehicle, we’re here to help you secure the right finance solution with competitive rates and flexible terms.