Car loan options for employed Aussies who rent. Ready to find the sharpest rate?
Learn your best rate from a panel of 50+ lenders. Join over 120M in car loan apps!
- 60-second check
- Zero credit impact
- 50+ lender panel
- Renters welcome
- Credit Scores 400+
- $5k – $150k
"Easy way to get finance — I'm now the new owner of my Ford Ranger. Couldn't have done it without Jett and the team."
— Paul D. · Verified Google review
Watch this first · 2 min
How we get renters approved with hot rates
Limited campaign for the right fit
First 50 approved applicants get a $250 gift voucher
This isn't for everyone. It's for the customers we do our best work for: full-time PAYG, employed, renting or living at home, credit score 450+ (or no credit history), buying a car over $20,000.
- Full-time PAYG
- Credit score 450+
- Renting or living at home
- Car purchase over $20k
Let me guess…
You're working full-time. You need a car. And your bank just said no.
Here's what nobody tells you:
Banks make their money on homeowners. Renters with fair credit get the "too hard" pile — higher rates, or a flat no.
Most brokers chase easy homeowner deals. Your file is harder, so they don't put in the work.
That's not your fault. It's a lazy-broker problem.
HERE'S WHAT YOU GET WITH GUSTO
The "Approved-This-Week" car finance stack.
Everything working Aussies with fair credit need to drive away in a car they actually want - no bank hoops, no credit-score gamble, no BS.
- BROAD LENDER PANEL
Access to 50+ lenders
50+ banks and non-banks. We know which one prices best for your exact situation.
- PROTECT YOUR CREDIT
Soft-check quote in 60 seconds
See what you qualify for with zero mark on your credit file.
- COSTS EXPLAINED CLEARLY
Your actual repayment number
Real weekly cost. Real term. No 'from' rates or hidden traps.
- OLD SCHOOL SERVICE
One specialist broker, start to finish
Not a call centre. One person owns your deal until you drive away.
- WE ACTUALLY NEGOTIATE
Deal structuring for fair credit
30+ years structuring loans for scores 500–700. We know where lenders bend.
- SPEED AND HONESTY
24-hour clear answer
Yes, no, or 'here's what to fix' — within one business day.
THE GUSTO GUARANTEE
$Brokerage You pay: $0
Find a lower unconditional rate on the same deal elsewhere and we'll waive our broker fee completely.
Get my free quote →The Gusto guarantee
If we can't beat your bank's deal, we'll tell you straight.
If your bank is genuinely better, we'll say so. No pressure, no worse product.
Real talk
This isn't for everyone. It's for one type of person.
✓ THIS IS FOR YOU IF…
- Full-time or part-time, earning >$4k/month
- Renting, boarding, or living at home
- Credit score 400+
- Need $8k–$180k for a car, ute, or 4WD
- Want straight answers, not sales BS
- Ready to drive within 2 weeks
✕ You're out if…
- ✕ Unemployed with no stable income
- ✕ Credit is shot and you're behind on loans
- ✕ You want a quote with zero conversation
- ✕ Already shopping with 5 other brokers
- ✕ You want to hit 20 lenders yourself
How it works
Three steps. Zero pressure.
- 01
Tell us your situation
60 seconds. Income, credit, vehicle. Soft check — no credit hit.
- 02
We do the actual work
We match you across 50+ lenders and come back with real numbers.
- 03
You decide
If it's a fit, we handle the paperwork. If not, no cost, no hard feelings.
Don't take our word for it
5.0 stars. Every review verified.
"I was a week away from starting a new job so didn't think I'd have any chance of securing finance for a new motorcycle. Gusto came through on day 1. Dean put it all together, and the finance was approved very quickly at a good rate."
"Within two days of talking to Gusto we were driving around in our 'new' Holden Colorado dual cab. Our old car had broken down and I'd been walking through rain to work. Ashton and the team — we are grateful and less stressed."
"5 stars is not enough. Dean went way beyond, constantly updating me — took so much stress off. Highly recommended even if you think you won't get finance. If these guys can't help, no one will. Just awesome."
Free · 60 seconds · zero credit impact
See what you qualify for — right now.
Full-time. Fair credit. Renting or living at home. You're 80% of who we get approved.
Settle your loan and receive a $250 gift card
For the first 50 approved applicants who settle. T&Cs apply.
How do you earn your income?
This matters way more than your credit score.
By submitting you agree to be contacted by Gusto Finance about your enquiry. No obligation, no cost to check. Loans subject to lender approval, terms & conditions.
Questions people ask before they hit "go"
My score is 520 and I rent. Can I actually get a decent car loan?+
Yes — 7 in 10 of our customers look exactly like you. Banks are conservative with renters; non-banks often price sharper. We compare both and show you the real deal.
Will this hurt my credit score?+
No. The initial check is a soft enquiry — nothing shows on your file. We only run a full credit check once you say 'go' to a specific loan.
How much can I borrow?+
Between $8,000 and $80,000, depending on income and expenses. We'll give you the exact number and repayment.
Are non-bank lenders safe?+
Yes. Non-bank lenders in Australia are regulated and must hold an Australian Credit Licence. We only work with reputable lenders and explain every term before you sign.
Why not just go to my own bank?+
You can. But if you're a renter with fair credit, your bank will likely charge more or ask for a stronger file. We compare both so you can make the informed call.
How fast is the process?+
Most customers get a clear answer within 24 hours. Paperwork signed online, funds released in 2–4 business days.
Do you charge me anything for a quote?+
No. A quote is absolutely free. We're paid by the lender when your loan settles.
One decision. Two weeks. New car.
You could keep guessing. Or find out in 60 seconds.
14,000+ Aussies started here. Zero cost. Zero credit hit. One real answer within 24 hours.
Get my free quote →P.S. — Every day you wait is another day of breakdowns, bank knockbacks, or rates that aren't yours. Two minutes to find out.