Motor Vehicle Finance Mandurah
Whether you’re buying for personal use or the business, you deserve finance that works for you.
Get access to better rates and clearer terms than the dealer can offer.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
Google Review
For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
Google Review
Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
Google Review
Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Let's Chat
Complete the form below and Andy will be in touch to discuss your motor vehicle finance needs.
Vehicle Finance Options
Car Loans for Self-Employed
Car Loans for Self-Employed →
New Car Loans
New Car Loans →
Chattel Mortgage for Business Vehicles
Chattel Mortgage for Business Vehicles →
Used Car Loans
Used Car Loans →
Car Finance Broker
Car Finance Broker →
Meet Andy
Buying a Vehicle Shouldn’t Mean Accepting Dealer Finance
You’ve done your homework. You’ve found the right vehicle. Then you walk into the finance office and the rate you’re offered doesn’t match what you saw advertised online. The extras weren’t mentioned. And the monthly payment doesn’t feel right — but you’re standing there with your keys in reach, so you sign.
Andy Iriks has been arranging motor vehicle finance for Perth and Mandurah buyers since 2000, helping families secure personal vehicles, tradies finance work utes, and businesses fund their fleets. He’s seen every dealer tactic, every lender policy shift, and every way a vehicle loan can be structured to work for you or against you.
We compare over 30 lenders to find you the right vehicle finance deal
Vehicle Finance Shouldn't Feel This Complicated
You know what car you want. You’ve worked out the deposit. You’ve even looked at the online calculators. But the moment you start comparing finance options, everything becomes unclear. Dealer finance sounds easy until you see the rate. Bank pre-approval takes weeks. And the comparison websites show you numbers with no context about what they actually mean.
That’s the external problem — a system built to confuse rather than clarify.
The internal problem is harder to name. You start wondering whether you’re about to make a mistake. Whether the repayments will stretch you too far. Whether you’re getting a fair deal or being quietly ripped off. Whether asking for help makes you look like you don’t know what you’re doing.
And underneath it all is the real unfairness: one of the biggest purchases most people make is being financed by people who have a vested interest in selling you something specific, not finding you the best option.
You deserve better than that. A vehicle loan is not just a transaction — it’s a commitment that sits in your budget for years. It should be handled with care.
The Right Vehicle Finance, Explained Clearly, Handled Personally
At Wanna Finance, we work across the full range of motor vehicle lending — not to push products, but to find the structure that genuinely fits your situation. Here’s how we help.
New Car Loans
Buying new gives you warranty peace of mind and the latest safety features. We compare rates from specialist car finance lenders, major banks, and credit unions to make sure you’re not paying more than you need to. Most buyers assume the dealer’s rate is competitive — it often isn’t. Read more about new car loans here.
Used Car Loans
Whether you’re buying from a dealer or a private seller, we arrange finance that reflects the actual value and age of the vehicle. Used car rates vary significantly between lenders, and knowing which lender will approve which age and type of vehicle is half the battle. Read in detail about used car loans here.
Commercial Vehicle Finance
If you’re buying a work ute, van, or truck under your ABN, the finance structure is different. Chattel mortgages and commercial hire purchase agreements have tax implications that personal car loans don’t. Andy structures these deals to maximise your deductions and protect your cash flow.
Self-Employed Vehicle Finance
If you’re self-employed and have been told your income is too complicated, you’ll feel right at home here. We know exactly how to present your financials to lenders who genuinely understand how contractors, sole traders, and small business owners earn. Learn more about car loans for the self-employed here.
How We Make Your Vehicle Loan Easy
Three Simple Steps to Your Next Vehicle
1. Enquiry
Fill in the short enquiry form below. Name, phone, email, and the type of vehicle you’re looking at. It takes two minutes, and Andy will be in touch directly — not a call centre, not an assistant.
We Do The Heavy Lifting
Andy will walk you through your options in plain language — by phone, or over FaceTime if that’s easier. We use secure digital portals to gather your bank statements and proof of income, so you’re not spending your weekends hunting through folders.
We Submit and Settle
Once you’re confident in your chosen loan, we handle the application, manage the lender relationship, and keep you informed every step of the way through to settlement. You’ll never be left wondering what’s happening.
Get More with Wanna Finance
The difference between these two paths often comes down to a single conversation.
What you get |
With Wanna Finance |
Other Options |
|---|---|---|
| Clarity on your vehicle loan | ✓ You understand exactly what rate you're paying and why | ✗ You accept whatever rate the dealer finance manager first offered you |
| Structure built around you | ✓ Your loan term and repayment structure is built around your actual cash flow and usage | ✗ The loan your mate recommended works fine for him — but your situation is different, and nobody pointed that out |
| Availability when you need it | ✓ You've had every question answered, at a time that worked for you, before you signed | ✗ You're self-employed and the dealer's finance application stalls because they don't understand your income |
| Settlement experience | ✓ Picking up your vehicle feels like the beginning of something, not the end of an exhausting ordeal | ✗ You pay an extra 2.4% on a five-year loan because the comparison conversation never happened |
| Ongoing relationship | ✓ Years from now, when you're ready to upgrade or refinance, you have a broker who already knows your story | ✗ You discover halfway through the loan that you could have structured it under your business for tax deductions, but it's too late now |
Vehicle Finance FAQs
No. As a finance broker, Wanna Finance is paid a commission by the lender once your vehicle loan settles. You receive expert advice, rate comparison, application management, and ongoing support at no direct cost to you. And under Australia’s Best Interest Duty legislation, we are legally required — and personally committed — to recommend what’s right for you, not what pays us more.
Absolutely — and you’re one of our most common client types. Self-employed borrowers simply require a broker who understands how to present your income structure to the right lender. Andy has years of experience placing ABN holders, sole traders, company directors, and contractors with lenders who genuinely understand how self-employment works. If you’ve been knocked back before, that’s often a lender problem, not a you problem.
You can — but dealer finance is rarely the most competitive rate available. Dealerships make money on finance, and the rate you’re offered is designed to maximise their commission, not minimise your cost. A broker compares dozens of lenders simultaneously and finds the structure that fits your specific circumstances. Given that a 2% rate difference on a $40,000 loan can amount to thousands of dollars over five years, that comparison process has real financial value.
Yes. Private sale vehicle finance is common, and Andy arranges it regularly. The process is slightly different — we need a valuation and roadworthy certificate — but the rate is often better than dealer finance because there’s no middleman inflating the commission. We’ll walk you through the process step by step.
It varies based on the lender and your situation — but a typical vehicle finance application from submission to formal approval takes two to five business days. Andy will give you an honest, specific timeline estimate once he’s reviewed your situation, and will keep you updated throughout so you’re never left waiting and wondering.
In many cases, yes — particularly if you’ve been with the same lender for more than two years, or if rates have dropped since you first applied. A loan review costs you nothing and takes a single conversation. Andy will only recommend a refinance if the numbers genuinely stack up in your favour, including a full assessment of exit fees and application costs.
Reviewed by
Credit Representative & Mortgage Broker
The information on this page has been reviewed for accuracy by Andy Iriks, a Credit Representative & Mortgage Broker at Wanna Finance. It is general information only.
