Our interest rates range from 8% to 23.00%, depending on your financial profile. Factors like your credit history, loan amount, and term influence the rate you’re offered. We work to find you a competitive rate that fits your personal circumstances.

Yes, you are allowed to pay off your loan early at any time. Early repayment fees may apply depending on the lender, but they are usually fair and transparent. We recommend checking the terms of your agreement before doing so.

If you miss a scheduled repayment or anticipate difficulty making a payment, it’s important to contact the lender immediately. Open communication can help avoid penalties or defaults. In some cases, Link Finance can assist by contacting the lender on your behalf.

Yes, self-employed individuals and contractors can apply for a car loan. You’ll typically need to provide recent financial statements, tax returns, or other proof of income to verify your ability to repay the loan.

Not necessarily. Many of our lending partners offer no-deposit car finance options, depending on your financial position and credit profile. However, a deposit may help reduce your monthly repayments or interest rate.

With Link Finance, you can apply for financing on a wide range of vehicles, including cars, motorbikes, utes, vans, boats, and jet skis. You can also apply for loans on both new and used vehicles from dealerships or private sellers.

Once you've submitted all required documents, loan approvals can happen within 24 to 48 hours in most cases. Delays may occur if additional verification is needed, but our team works quickly to move things forward.

Initial enquiries or pre-approvals may involve a soft credit check, which doesn’t impact your credit score. However, submitting a formal loan application will involve a hard credit check, which may temporarily affect your credit profile.