Car Loans · Dealership Car Loans
Compare before you sign at the dealer
Dealer finance is the loan offered at the dealership desk. Before you sign it, Noddle compares car loans across a panel accessed through the Loan Market Group platform and arranges pre-approval, so you can weigh the dealer offer against an independent one. The lender approves and funds the loan.
Noddle is a broker, not a lender. We find, compare and arrange; lenders approve and lend.
- Australian Credit Licence 526746
- Member of AFCA
- Servicing Australia, 100% online
- One application, many lenders compared
What dealer finance actually is
Dealer finance is arranged through the lenders a dealership is aligned with. It is convenient, but the rate is often not the sharpest and add-ons can inflate the total. It suits people who value speed over shopping the rate.
How to use a broker alongside a dealer
Get pre-approved with Noddle first, then treat the dealer’s finance offer as one more quote to compare. You keep the convenience of buying at the dealer while checking that the finance is competitive. Noddle shows the total cost including interest so the comparison is like for like.
Related pages
Frequently asked questions.
Dealer finance is a car loan arranged at the dealership through the lenders it is aligned with. It is convenient because it happens at the point of sale, but it offers a limited panel. Noddle compares many lenders so you can check the dealer offer against an independent one.
Sometimes. Dealer finance can carry a higher rate and add-ons than a broker-arranged loan, though not always. The only way to know is to compare. Noddle shows the total cost including interest so you can weigh the dealer offer on equal terms.
Yes. Noddle can arrange pre-approval before you visit, so you know your budget and can negotiate on price rather than finance. Pre-approval usually lasts 30 to 90 days and is an indication, not a guarantee of final approval.
Reviewing your options with Noddle does not affect your credit score. We use an Access Seeker (soft) enquiry to review your credit file, which lenders cannot see and which leaves no mark. Your score is only affected once a lender lodges a formal application, and only with your consent.
Noddle may charge a brokerage fee for arranging your loan, and may also receive a commission from the lender. Both are disclosed upfront in our Credit Guide and your written quote before you commit. The brokerage fee can be paid upfront or capitalised into your loan. If capitalised, you pay interest on it over the loan term. All fees and commissions are disclosed in our Credit quote before you proceed.
About the author
Joshua Wessels is the founder of Noddle and leads its broking team. He has more than a decade in Australian consumer finance and holds a Diploma in Mortgage Broking. Noddle is a member of the Finance Brokers Association of Australia (FBAA member 362825) and the Australian Financial Complaints Authority (AFCA member 81857), and operates under Australian Credit Licence 526746.
Read more about the team on the Noddle team page.
Noddle Pty Ltd (ABN 63 643 806 759, ACN 643 806 759) operates under Australian Credit Licence 526746. Noddle is a credit assistance provider, not a credit provider. We arrange loans through a panel of lenders accessed via the Loan Market Group (LMG) aggregation platform. We are bound by the responsible lending obligations of the National Consumer Credit Protection Act 2009 and regulated by ASIC. Fees and any commissions are disclosed in our Credit Guide and your written quote before you commit. Any approval, rate and amount is determined by the lender, subject to their assessment.
See your car loan options in about five minutes.
- No impact on your credit score
- Apply now in as little as 5 mins
- We compare multiple lenders for you