Placeholder Used Car Finance Melbourne | Second Hand Car Loans | GK Car Sales
  • 03 7033 1550

GK Car Sales Finance

Our stress-free finance department that can find financial solutions to save you money.

Your Name*


Phone number:*

Which car would you like to Finance? *

How long has your business been registered for GST purposes?*:*

Have you had any credit defaults in the past seven years?:*


How much would you like to borrow?*:*

Used Car Finance in Melbourne

Buying a car is a significant investment. This is why considering the various forms of financing to pay for the car is usually the first thing on your mind. There are numerous options for financing a car in Australia today. Some buyers take out a personal loan, while others use a credit card. However, one of the most underrated ways to finance a car is through a dealership.

GK Car Sales is a used car dealership in Melbourne that provides used car sales finance services to its clients. We understand that budget constraints may prevent you from buying the vehicle of your dreams. This is why we offer dealership financing so that the vehicle you purchase is what you have always wanted. If this is your first time, allow us to explain the whole procedure in greater detail for your convenience.

When you decide to buy a car on finance, you have the option to finance it through the dealership rather than applying for an auto loan elsewhere. This is referred to as dealership financing. The loan process is the same and includes discussions on how much you can pay every month, reviewing credit scores, income, savings, etc. The dealership will then contact its preferred bank and arrange for you to obtain a car loan.

Rather than a bank, the dealership will handle all aspects of the loan in most cases. Second-hand car loan through dealership financing eliminates the hassle of obtaining a loan to pay for your new vehicle. Even better, interest rates and monthly payments on car dealership loans are frequently lower than those on other personal loans. We not only assist you in selling or buying used cars but also assist you with second-hand car finance if you decide to buy a used car.

Benefits of Financing a Car through a Dealer

The right used car sale finance spreads the cost of a large purchase over several months or years, making it more affordable. The dealership may also be able to get you rates that may not be available in the open market. The used car finance services offered by a dealer will also land you the following benefits.

  • Great deals – Dealerships will be able to get very good finance deals for you that may have lower interest rates than traditional car loans. Consider them as a one-stop shop for the best rates if you wish to skip the legwork yourself.
  • Convenience – Dealer finance is a great option because you can go to your local dealership, choose a car, arrange finance, and drive it home all on the same day. The dealer will handle the entire financing process for you, allowing you to spend less time on paperwork and more time on the road. All you have to do is agree to the loan terms and drive your vehicle off the lot.
  • Better terms – A dealership may be able to provide you loans with longer terms that may not be open to the public. Such options make dealership finance a no-brainer.
  • Credit score – Banks and other traditional lenders will always check your credit score before approving your loan. This can be an issue if you have bad credit. Fortunately, a dealership may still finance your purchase with a loan, but at higher rates. An added benefit is that as you start making regular payments, your credit score gets better, qualifying you for better rates in the future.

Affordable Used Car Financing at GK Car Sales

Our primary goal is to make the car-buying process hassle-free for our customers. We have a huge collection of used cars for sale on finance, ensuring that you can drive your latest purchase home as soon as possible. Consider us your one-stop shop for buying and selling used vehicles in Melbourne. Whatever your needs are, we are the ideal used car dealers online. You can call us on 03 7033 1550 or send us an email at to learn more about our second-hand cars on finance.


What do I need for car finance?

Applying for car finance is a simple, straightforward process. The documents you need to provide fall into the following key categories:

  • Driver’s licence / Proof of identity
  • Proof of income
  • Information about the car – Registration number, VIN, car insurance policy, etc.
  • Address

Can I finance a car that is 10 years old?

The general agreement among lenders regarding the maximum age of vehicles eligible for loans is around 10 years, though some lenders will consider up to 12 years old due to recent stock issues in the used car market.

Is it better to buy a car or pay monthly?

Buying a car, whether new or used, is an expensive investment. Choosing how to pay for it is largely determined by your financial situation: do you have the cash to pay for it outright or do you need to enter into a finance agreement? Financing a car spreads the cost of a large purchase over a specified period, making it more affordable.

Is there a maximum age limit for car finance?

Upper age limits vary from lender to lender, but 75 years is the commonly accepted limit.



Get in Touch