On a student visa? You could still finance your car.

We help students and temporary visa holders across Australia get into a car.

✓ Student Visa OK✓ Bridging Visa OK✓ Approval in 24 hours
Rated 4.9 by 225 customers on Google.
See if you qualify
60-second start · no obligation
Step 1 of 3 · about 60 seconds
How much do you need?
A quick range to start — no credit check to see your options.
What's it for? (optional)
Won't affect your credit score.
Free & obligation-free · we call within 1 business hour.
ACL 494494We compare multiple specialist lenders.

Knocked back for being on a visa? You still have options.

Not every lender considers visa holders. We know the ones that do.

✓ Student visa (subclass 500)✓ Graduate visa (485)✓ Working holiday (417/462)✓ Bridging visa✓ No Australian credit history✓ Casual or part-time income✓ Recently arrived
To help you we generally just need: 18+, on a valid visa with work rights, and a regular income.
Prefer to talk it through?
1300 853 450
Mon–Sat, 6am–6pm AEST.
WHY NCCL?

One enquiry. Multiple lenders.

Your visa isn't a dead end
We look at your income and situation today, not just what's in your passport.
Multiple specialist lenders
One enquiry across our panel. Only some lenders consider visa holders — we know which.
Approvals in ~24 hrs
We move fast so you can get on the road.
Flexible 1–7 yr terms
Repayments shaped around your budget.
HOW IT WORKS!

Three steps. No hard credit check to start.

1
Tell us your situation
60 seconds. Your visa type and how much you need.
2
We match you across multiple lenders
One enquiry to the lenders that actually consider visa holders — often answered within 24 hours.
3
Pre-approved — pick your car
Dealer or private sale, anywhere in Australia. We guide the paperwork through to the keys.
★★★★★

“Getting a car loan can be daunting, however getting a car loan with Karan is anything but! He spoke to me like a human being…”

C
cody Christopher
Google review
★★★★★

“I owe Inder my absolute gratitude for all his assistance and efforts in ensuring I am able to be back on the road.”

B
xxBiancaxx
Google review
★★★★★

“I couldn’t thank Karan enough for the effort and energy he put in, he took me through everything and explained everything, communication was amazing!”

C
CJ Rayner
Google review
One enquiry, multiple specialist lenders.
No extra hits to your credit file.
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FAQ

Questions, answered honestly.

Straight answers — no fine print surprises. Anything else, just ask.

Yes, it's possible. Some lenders on our panel will consider applicants on student and other temporary visas.

No. PR and citizenship widen your options, but they aren't a requirement for every lender on our panel.

This is the question lenders care most about. Many look at how much time is left on your visa, and some will want the loan term to line up with it.

No. Getting your options with us is a soft, quote-only step — we don't run a hard credit check until you've seen your options and given the go-ahead. Your score stays untouched.

A thin credit file is normal when you've recently arrived, and it isn't an automatic no. Lenders weigh your income, how stable your employment is, and how long you've been in Australia.

Photo ID or your passport, your visa details, proof of income such as recent payslips, and bank statements.

Either. Once you're pre-approved you can pick a car from any dealer or a private sale anywhere in Australia, and we guide you through the paperwork through to the keys.

A specialist calls you back within 1 business hour of enquiring, and many customers get an answer within 24 hours. Speed mostly depends on how quickly we receive your documents.

Ready when you are.

60 seconds to start, no hard credit check, no obligation. A specialist calls you back within 1 business hour.

1300 853 450
✓ Won't affect your credit score✓ ACL 494494✓ Multiple specialist lenders