Ebbett Finance is an online vehicle finance application that is simple and straightforward to use and can give you a decision on your finance in minutes*.
Use our finance calculator to create a deal you’re happy with. Credit checks are carried out in the background so you can receive a decision online, saving you a lot of time and allowing you to arrange the deal that suits you best.
*Ebbett Finance is provided by Heartland Bank Limited. Heartland’s responsible lending criteria, fees, T&Cs apply.
We offer finance from a number of other providers to ensure you receive the best value. If you would prefer to use another provider please speak to our Business Managers
Ebbett Finance is provided by Heartland Bank Limited to all Ebbett customers. We also have great working relationships with well-known finance institutions including United Dominions Corporation (UDC) and European Financial Services Limited (EFS & EAF).
One of the key benefits of financing your new car with one of our dealers is that we work for you to place your car loan with the most suitable finance institution. Our Business Manager will work on your behalf to get you the best rates and the best terms for your car loan.
Ebbett Finance allows you to get instant conditional approval within minutes of applying. If you make use of other finance options, we’ll try and get your loan approved within a few hours, during business hours only. If you have made your application outside of business hours, we’ll let you know if your loan has been approved on the next working day (once we have all the information we need).
Yes – plenty of our customers like to know how much they can borrow before they choose their new car. You apply for the loan as normal and, if approved, you’ll have pre-approval to select your new car.
Yes - If you want to increase the amount, it simply needs to be approved by us (you won’t need to fill in another loan application).
Our interest rates are competitive and vary depending on the amount borrowed, the loan term, and your credit history.
Our terms are flexible with a minimum of six months and a maximum of five years. We work with you to structure your payments to suit your preferred repayment schedule.
Generally our minimum loan amount is $5,000. However in certain circumstances you may be able to apply for a smaller car loan.
You need to be at least 18 years of age.
Yes, the minimum driver’s licence we require is a restricted licence.
You may not need to have any previous credit history to get a loan approved; however, you may be asked to provide a suitable guarantor for your loan.
Yes, apply for a loan with us and we’ll recommend the most appropriate lender to make your application with. The lender may ask for additional security and/or a guarantor.
The security will be the car you’ve purchased, although you may be asked for additional security and/or a guarantor.
Yes, although you may be charged an early settlement fee. The fees and interest charged differ between lenders and are set out clearly in the loan documentation.
Yes, although you may be charged an early settlement fee. The fees and interest charged differ between lenders and are set out clearly in the loan documentation.
A guarantor is someone who “guarantees” your loan or credit contract i.e. if you can’t or won’t repay the debt then the guarantor will do so.
Yes. The loan establishment fee varies from lender to lender but in most cases is less than $500.
No. In many cases you will not be required to have a deposit. If you have a good credit history and are in stable full time employment there is a good chance a deposit will not be required. If a deposit is required, this could be satisfied either by a cash deposit or a trade-in vehicle.
Most of our customers find it easiest to sign the documents on site at the dealership they chose, however if you prefer our Business Manager will come and see you at a time and place that suits you.
You can make payment by direct debit, or by automatic payment.
In most cases a private individual will be required to go guarantor for a business who is leasing a car.
The Anti Money Laundering and countering financing of Terrorism act (2009) “AML” came into effect in June 2013.
As a result of the changes, all finance companies, banks and credit unions are now required to collect more customer information. Regardless of which lender we place your car loan with we will be required to collect this information on behalf of the lender.
If you are applying for a car loan to finance your new car, you may be affected by AML. Operating leases are exempt from AML rules. The nature of the information we are required to gather and how it is verified and confirmed varies between entities.
Persons required to provide information
Original or certified copies of:
Must also confirm:
Persons required to provide information
Original or certified copies of:
Must also confirm:
Persons required to provide information
Original or certified copies of:
Must also confirm:
Certifying your information in dealership
Acceptable referees for ID certification
The person who certifies your documents cannot be a relative, member of your extended family group, a spouse or partner or live at the same address. They must be in no position to benefit from the financial transaction. On the front of the certified copy of the ID you must have: Certifier’s Name, Occupation, Phone Number, Date of Certification and the following signed statement: “I certify that this is a true copy of the original ID sighted by me. If the original contained a photograph of the applicant then I have used that to verify their identity.”
Electronic ID check
List A – Acceptable photographic identity documents:
List B – Acceptable non-photographic identity document:
List C – Acceptable secondary photographic identity document: