CAR LOANS

Easy Car Loans and Finance Solutions in Queensland

Whether you’ve got your heart set on a new or a second hand car, a classic car, private sale or dealership purchase, Paleso are the best in our field at researching and placing a loan or lease with the lender that matches you best. With access to the many unique products, our professional, dedicated staff, extensive product knowledge and commitment to ensuring a quick and easy application process will get you the best possible outcome.

Find easy car finance with bad credit at competitive rates
Regardless of whether you have a bad credit history, we can help you secure cheap and easy car loans finance, whether you’re in Brisbane, or elsewhere in Australia. We have access to products from all the major mainstream bank and finance company lenders, exclusive access to Astute Motor Finance, Australian Motor Credit, Golden Loans and GFC Funding. Since our opening in 2001 we have completed over 15,000 loans to happy customers all around Australia. Due to the large volume of our business, we often have access to special rates from our lenders, meaning that you get a more competitive deal.

So how does it work?
Fill in a few quick details to arrange a quick and no obligation, free Quote and see just how good we are. Once we’ve got all your specific information (including supporting documents for income) we complete all required application checks to ensure we have the exact information the lender will require. We’ll notify you on submission and then when the lender returns to us with an answer. If the application was successful, sign up can be completed immediately. Should the application be unsuccessful, we’ll contact you and review your options and see if we can find alternative solutions for your credit needs. The whole process usually takes no more than 36 hours—and sometimes it takes only a few hours! What are you waiting for, get a quote now and see how we make loans easier!

Contact us today for any queries
Don’t let bad credit histories stand in the way of your easy and cheap car loan with Brisbane’s trusted finance providers. Paleso are utilised all over Australia, including Bundaberg, Mackay, Hervey Bay, Rockhampton , Caboolture, Coopers Plaina, North Lakes, Sunshine Coast and beyond, for their convent and seamless finance products. Contact us today on 1300 326 658 for more.

Private Sale Cars

Bad Credit Car Loans

Commercial Car Loans

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Why Choose Paleso?

Super Fast Approvals

We strive to make the process as quick and simple as possible. Most approvals we can have finalised within 24 hours, sometimes even within the same day!

No Hassle

We hate pressure selling too. There is no hassling from us, all quotes and approvals are no obligation, quick and matched exactly to your requirements - too easy!

Professional Lenders

We only use professional, regulated and licensed lenders. With over 32 different lenders and our extensive product knowledge we have the right choice for you.

Same Consultant All The Way

You have the same loan consultant from start to finish, making the process easier for you. You can even have their mobile number and email! No waiting on hold or waiting in line

Fully Accredited and Trained

We are members of the FBAA (Finance Brokers Association of Australia) and CIO (Credit and Insurance Ombudsman so you can be assured we are fully trained and industry compliant.

Established Experienced Company

Paleso have been helping Queenslander's get better finance deals since 2001. Our wealth of industry experience and knowledge has ensured we have stood the test of time

we make loans easier…

Frequently Asked Questions

At Paleso, we know your financial situation and plans are as unique as you are. We also know there are a few questions we get asked a lot: so here are some basics to get you started. Of course, these are general answers; depending on your situation, we may have more precise information for you. So if you have a more specific query, or if your question isn’t on the list, please contact one of our expert team members either by calling us or completing the ‘contact us’ form online.

Paleso Frequently Asked Questions

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What is the difference between a Personal Loan and a Car Loan?

The distinct difference between a personal loan and a car loan is the car loan has some sort of security (usually the car you are buying) lodged against it. The security is used as a surety that the money will be paid back, and if it isn’t the car can be taken back to recoup the funds. Personal loans are unsecured, meaning there is nothing the finance company can recoup to sell and pay off the loan. Personal loans can be used to purchase cars, motorbikes, boats and equipment still, but as they are more ‘risky’ to a lender, they usually attract a higher interest rate and are harder to obtain.
I am working casually, can I still get a loan?

People who are casually employed find it difficult to get a loan when they have been in the same role for less than 12 months, but there are still financiers that will consider all manner of different employment situations, even from as little as 1 month. Our advice is to get in touch with us and let us have a look at your whole financial profile: we may just be able to help.
I only receive an income from Centrelink, can i still get a loan?

With the implementation of The National Consumer Credit Protection Act in 2010, the onus is on the broker and the lender to ensure that all applicants can comfortably afford to live and repay the loan. Because of this, all lenders have set living expense guidelines to which we have to adhere. However it is still possible in certain circumstances to help people on some Centrelink incomes to get a reasonable loan to help with purchasing a car. Talk to us about your circumstances and we will tell you very quickly if we can help.
My only source of income is Newstart allowance, are you able to help me get a loan?

With the implementation of The National Consumer Credit Protection Act in 2010, the onus is on the broker and the lender to ensure that all applicants can comfortably afford to live and repay the loan. We are unable to assist applicants apply for and receive a loan who’s only source of income is Newstart allowance.
Why should I apply with you and not just go straight through my bank?

Applying through us gives you the upper hand, by having us find the most suitable lender for the item you are purchasing and your financial situation. Why go to your bank and hope you meet whatever guidelines they currently have when you can let us do the shopping around for you to make sure you get the best deal possible.
Can you help with a loan for a private sale item?

Yes, most financiers are happy to assist with private sale vehicles that are newer than 1997, have a Road Worthy Certificate and can and will be registered. There is a lot less protection and a lot more paperwork than if you were buying a car from a Licensed Motor Dealer, but we are here to help with that. We can complete the private sale vendor documentation and also complete the Encumbrance and Write-Off checks for you to make sure you are getting what you have paid for.
I have previously been bankrupt, can you still help me get a loan?

As long as you are physically discharged, we have lenders that will look at the positives of your situation rather than completely exclude you for the negatives. It helps to show since the bankruptcy you have been able to control your financial situation without any trouble, and we could only help with getting you a secured car loan. Talk to us now and see how we can help.

We can, on occasion, assist people who are undischarged from a Part 9 (Debt Agreement) bankruptcy, please contact us to discuss further.
I don’t live anywhere near one of your offices, can you still help me?

Of course, we can complete all of the required paperwork over the phone and email, but you will need to have access to a JP to finalise the contracts. We have completed loans for people from Tasmania, to Perth and all the way to Weipa!
What does it all cost?

To set up a loan will have some costs associated with it. All financiers charge an application fee, some have ongoing account-keeping fees, some have early exit fees. The fees vary between lenders, and also between states. Other costs that you may incur are PPSR fees, GST, Luxury Car Tax, and in some cases a fee from us for obtaining the loan on your behalf. Before your application is submitted to any lender, we email you with a summary of the fees that would be payable if the loan is approved. Of course, if you decide not to proceed or are unsuccessful, there is no cost what so ever for the assistance we have provided.
Can i get a “Pre Approval”?

Yes – and we encourage this to ensure that you can shop with confidence. All we need is an idea of what you want to buy and the approximate year model range so we can make sure we choose the appropriate lender for that type of vehicle. Either contact us or complete a quote form online.
Is the interest rate you can offer me competitive?

Due to the large volumes of loans we write each month, we have premium access to all the major broker compliant financiers in Australia. Not only that, our service is second to none, and we do all the research on each individual deal before sending any applications to a financier. Why not get a quote to find out?
I have defaults on my credit file, can you still help me?

We often help people who have had some trouble in their past. We will always try and offer the most competitive offer possible. If you have had issues such as Defaults, Judgments or Bankruptcy on your credit file, we will access a specialist risk lender. Risk lenders take into consideration the good things that you are doing now, rather than focusing on the troubles of the past. However, as the finance is deemed to be of higher risk, the interest rates are often higher than ‘Prime’ lending options. Contact us to see what we can offer.
What is a PPSR search and why should I do one before purchasing a private sale vehicle?

According to research conducted in 2010, of the 1.4 million cars sold by private sale in Australia, 5 % (that’s 70 000 cars!!) of those car buyers were misled or deceived about some aspect of the car. Predominantly this is by private sale buyers seller cars that are still encumbered to finance that has not been paid in full. Put simply, the seller could sell the car, put the money in his pocket and keep paying the loan off on the car. That is fine if the seller keeps paying the payments, but if he doesn’t, the car you have paid for in full could be repossessed. By doing a quick PPSR check prior to making a purchase of a private sale car, you can find out information such as :
• the basic vehicle information (Make, Model, Colour etc)
• if there is any money owing on the car still
• if the vehicle has been recorded as stolen
• if the vehicle has been recorded as a write-off
Paleso will automatically do a PPSR check for you before you purchase a private sale car, so you can buy with confidence. It’s all a part of the service!
Can you process my application and get me an answer and then i’ll provide my supporting documents like payslips and bank statements?

No, as part of the NCCP act guidelines, prior to submitting the application to any lender we are required to ensure you are able to comfortably afford both the loan repayments and your living expenses. It can be as simple as providing your last payslip with your Year To Date earnings displayed on it, and you can fax, email or post these to us. If you don’t get a payslip we can often use your last 3 months bank statements or a recent lodged tax return and notice of assessment from the ATO instead. We will require this documentation prior to submitting the application for you. If you have any situation out of the norm, just call or chat to us now and we will see what we can do.
What do you actually do?

We are loan brokers. We work for you to get the most competitive finance and insurance deals for cars, trucks, vans, boats, business equipment, machinery, tractors, mowers, caravans, boats, jetski’s motorcycles, ATV’s, business furniture, fittings and equipment, medical costs, cosmetic surgery and more! We do all the running around from start to finish, so you don’t have to. Rather than going to a bank that has one set of rules and guidelines, we know the ins and outs of 32 different lenders that consider all sorts of profiles, incomes and goods and find the best deal suited to your situation.
How long does it take to get approved?

For most applications, it only takes a few hours after we have all the supporting documents we need (payslips etc), but in some instances with complex or difficult applications it can take up to a few days. Rest assured we will keep in contact with you through the whole process so you know where we are up to. Once approved and documents are signed, the person or dealership you are making the purchase from will be paid within 1-2 days.

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BRANCHES

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Rockhampton

Address : 1/248 Musgrave Street, North Rockhampton QLD 4701

Postal : PO BOX 490, Rockhampton QLD 4700

Phone : 1300 326 658
Fax : 0749269780

Email : rockhampton@paleso.com.au

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Mackay

Address : Mortgage Choice House, 133B Victoria Street, Mackay QLD 4740

Postal : PO BOX 1441, Mackay QLD 4740

Phone : 07 49512060
Fax : 0749572777

Email : mackay@paleso.com.au

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Bundaberg

Address : 8/9 Maryborough Road, Bundaberg QLD 4670

Phone : 07 4151 5954
Fax : 07 4153 3988

Email : bundaberg@paleso.com.au

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Maryborough

Address : 208 Island Plantation Road, Island Plantation QLD 4650

Phone : 0417 596 207
Fax : 07 4122 2130

Email : maryborough@paleso.com.au

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Hervey Bay

Address : 65 Boat Harbour Drive, Hervey Bay QLD 4655

Phone : 1300326658
Fax : 07 49269 780

Email : herveybay@paleso.com.au

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CABOOLTURE

Address : 4/260 Morayfield Road, Caboolture QLD 4506

Phone : 07 5433 0088
Fax : 07 5495 5201

Email :caboolture@paleso.com.au

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COOPERS PLAINS

Address : 831 Beaudesert Road, Archerfield QLD 4108

Phone : 0439908208

Email : coopersplains@paleso.com.au

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SLACKS CREEK

Address : 6 Aranda Street, Slacks Creek QLD 4127

Postal : PO BOX 3, WELLERS HILL QLD 4121

Phone : 1300 878 488
Fax : 1300 878 639

Email : slackscreek@paleso.com.au

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NORTH LAKES

Address : 1 Burke Crescent, North Lakes QLD 4509

Phone : 0418 725 516
Fax : 07 3881 3529

Email : martyn.phillips@paleso.com.au

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SUNSHINE COAST

Address : 663 Nicklin Way, Wurtulla QLD 4575

Phone : 07 5437 8411
Fax : 07 5493 5277

Email : sunshinecoast@paleso.com.au

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ABOUT US

Information about Paleso Finance Group

Paleso Finance Group are local Queensland based Finance and Insurance Brokers. We offer credit assistance services via our branch network as well as over the phone and internet to consumer and commercial clients looking to purchase large ticket items such as Cars, Bikes, Boats, Caravans. We also assist with personal loans to help fund other life events like holidays and medical costs. We act as an intermediary between yourself (the consumer) and the most suitable lender for your profile and request.

Russell Parker Consulting Pty Ltd ATF The Nosey Trust T/AS Paleso Finance Group.

ABN: 50 089 326 812
Australian Credit Licence # 376853

Phone: 1300 326 658
Email : info@paleso.com.au

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