Real reviews from real clients who secured finance with One 2 Capital.
Our finance experts are here to help you choose the right loan for your needs.
One 2 Capital stands out with over 10 years of experience and more than 10,000 car loans settled. You’ll enjoy personal service, dealing directly with a broker from start to finish. Your credit score is protected as we match you with the best lender the first time. With fast approval in as little as one hour and a simple online application process, getting a loan is hassle-free. One 2 Capital offers low rates and access to options from over 50 lenders. Rated 5.0 stars by more than 600 customers on Google, our reputation speaks for itself.
If you have a poor credit score, One 2 Capital can still help. We specialise in finding the right loan options for all credit situations by working with over 50 lenders. Our brokers match you with a lender who understands your circumstances, ensuring your credit score is protected and giving you the best chance of approval.
One 2 Capital offers a personalised approach that sets us apart from the big banks. You deal directly with a dedicated broker who guides you from start to finish, rather than being passed between departments. We focus on protecting your credit score by matching you with the right lender the first time. With fast approval times, a simple online application process, and access to over 50 lenders, we provide more flexibility and tailored options compared to traditional banks.
Yes, you can talk to a loan specialist at One 2 Capital. Our dedicated brokers are available to guide you through the process, answer your questions, and find the best loan option for your needs. Simply reach out, and we’ll connect you with a specialist to get started.
One 2 Capital provides comprehensive support throughout the application process. From the start, you’ll work directly with a dedicated broker who guides you step by step. We assist with completing your application, answer any questions, and ensure all documentation is in order. Our team keeps you updated on your application’s progress and works to secure the best loan option for your needs, making the process smooth and stress-free.
Car loans are a financial tool; like any tool, they can be helpful when used responsibly. They’re not a one-size-fits-all solution and have their pros and cons. Here’s a breakdown of the pros and cons:
Pros:
It makes a new car affordable
Builds credit history
Variety of loan options
Cons:
Interest adds to the overall cost
Increases debt burden
Cars depreciate (lose value) over time
With One 2 Capital, we’re committed to your financial well-being and security. We’ll help you find a car loan that fits your budget and minimises the downsides while being transparent about the process.
At One 2 Capital, we understand that car loan needs vary. We offer a variety of loan options to suit your situation, including:
Personal Car Loans: Finance the purchase of your new or used personal vehicle.
ABN/Business Vehicle Loans: Get the wheels turning for your business with a loan for your commercial vehicle.
Unsecured/Secured Car Loans: You can choose an unsecured loan without using your car as security (subject to approval) or a secured loan with a potentially lower interest rate.
Electric Car Loans: Drive into the future with financing for your eco-friendly electric vehicle.
Car Refinance: Streamline your finances by refinancing your existing car loan with a potentially lower rate or better terms.
Novated Lease: Explore salary packaging options to save on car lease payments and tax potentially.
You can get fixed and variable-rate car loans from various lenders offering different loan terms and interest rates. If you’re deciding between these two options, you’ll need to consider how each loan type charges interest. A fixed interest rate won’t change over the loan term, so you have the peace of mind of knowing your monthly repayments for the whole loan term. Meanwhile, variable-rate car loans can have fluctuating interest rates that may cause the repayments to change over the loan term. Consider if your budget allows that fluctuation or if you’d feel more comfortable with a fixed rate.
Yes, you can refinance a car loan. Refinancing involves replacing your existing loan with a new one that offers a lower or more competitive interest rate, better loan terms or other loan differences. Refinancing can save you money on interest charges over the loan term but may also require you to pay application or discharge fees. Remember to weigh the potential benefits against the costs.
Car loans are typically secured loans, which means the lender holds the car title until you repay the loan in full. The lender holding the title means that they have legal ownership of the car and can repossess it if you fail to repay it on time.
Once you’ve completed all your loan repayments, the lender will transfer the title to your name, making you the official owner of the car.
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