Car Loan Refinance · Australia-wide

Still paying dealer finance on your car?

Dean & Hutton clients have saved $3,000–$6,000+ by refinancing the loan they signed at the dealership. Find out in 60 seconds if you can too.

Who’s your current car loan with?

Takes about 60 seconds · Won’t impact your credit score
Clients have saved $3,000–$6,000+ 40+ lenders compared We handle the payout & paperwork
Some of the lenders we compare
Lender logos: Firstmac, Angle Finance, Metro, Latitude, Liberty, Azora, MoneyMe, BOQ, Pepper Money, Shift, Automotive Finance Australia, ANZ, Branded Financial Services, Finance One, Plenti, GreenLight Auto Finance
Part of a panel of 40+ lenders. Lender availability depends on your circumstances.

Three steps to a cheaper car loan

No calls to your old lender, no bank queues. Tell us about your loan and we do the legwork.

1

Tell us about your loan

A 60-second form covers who your loan is with, what’s owing and your repayment. No paperwork up front, and no impact on your credit score to enquire.

2

We compare 40+ lenders

James and Ryan check whether a lender on our panel can beat what you’re paying now — after any early payout fees, not before.

3

We handle the switch

Pick the option that suits and we arrange the payout of your old loan, the paperwork for the new one and settlement. You never have to deal with your old lender.

Why dealer finance costs more

The loan you signed at the dealership was never built to be your best deal

When you finance through a dealer you’re usually offered one lender’s product, at the exact moment you’re least likely to shop around — the car’s chosen, the keys are in sight and the finance is the last hurdle. That’s a great way to sell a car. It’s a poor way to get a loan.

  • Dealers typically earn commission on the finance, not just the car
  • Extras like paint protection and warranties are often rolled into the loan — at the loan rate
  • You usually see one lender’s offer, not a comparison across 40+
  • Your circumstances — and the market — have likely changed since you signed
The Dean & Hutton Finance team
The Dean & Hutton team — family-run, and on your side, not the dealer’s.
Real savings, real clients
$3,000 – $6,000+

saved over the life of the loan by Dean & Hutton clients who refinanced the finance they signed at the dealership.

Savings depend on your loan, your vehicle and your circumstances, and are subject to lender assessment. Not everyone will save — and if the numbers don’t stack up for you, we’ll tell you straight.

Good questions, straight answers

Will I pay exit fees on my current loan?
Possibly — many car loans charge an early payout fee, and some fixed-rate loans have break costs. We factor those into the comparison, so any saving we talk about is after those fees, not before.
Is it worth refinancing with only a year or two left?
Sometimes not — the less you owe and the shorter the time left, the smaller the potential saving. As a rule, the more you owe and the longer left to run, the more refinancing can help. Either way, we’ll tell you honestly if the numbers don’t stack up.
What if I owe more than the car is worth?
It can make refinancing harder, because lenders look at how much you owe against the car’s value. It doesn’t rule you out — some lenders on our panel are more flexible than others — so be upfront and we’ll tell you where you stand.
Will checking affect my credit score?
No. Requesting a check with us is not a credit application, so it doesn’t appear as an enquiry on your credit file. A credit check only happens later, if you decide to proceed with a lender.
How long does switching take, and do I have to deal with my old lender?
Once you choose a lender, approval is typically within 48 hours, subject to their assessment. We arrange the payout of your existing loan directly with your current lender and handle the paperwork — you don’t need to speak to them at all.
What does your service cost?
We’re typically paid a commission by the lender when your new loan settles. We’ll always disclose how we’re remunerated before you commit to anything — details are in our Credit Guide.
★★★★★

Rated 5.0 from 157 Google reviews

Real reviews from real clients — see them all on our Google profile.

Olivia with her new car
★★★★★

“James from Dean & Hutton Finance went completely above and beyond to secure the best finance deal for my new vehicle. As someone taking out one of their first large personal loans, I was a bit nervous, but James made the entire experience exciting and stress-free. 10/10 service, I will definitely be recommending James to all my friends and family!”

Olivia J. — and her new carGoogle review
★★★★★

“James from Dean & Hutton Finance was fantastic to deal with. He was very professional, thorough, and extremely knowledgeable throughout the process of securing a car loan for my business.”

Sandra d.Google review
★★★★★

“I can’t thank Dean & Hutton Finance enough for helping me secure my first car. From the start, they were professional, responsive, and genuinely helpful.”

Rhianna M.Google review
★★★★★

“This is my 2nd time going through these guys, and they did an amazing job once again! James and Ben were both there when I had questions at all times. Can’t fault these guys at all.”

Emily I.Google review
★★★★★

“The whole process was smooth, quick, and completely stress-free. They took the time to explain all my options clearly, found me a great rate, and kept me updated every step of the way.”

Bridie d.Google review
★★★★★

“This was my first loan, and I honestly had no idea how anything worked, but Ryan took the time to explain everything so clearly and made sure I understood every step of the process.”

Claire W.Google review
★★★★★

“Ryan and James were a pleasure to deal with from start to finish — the easiest, smoothest finance legends I have ever dealt with. I would recommend them to everyone I know looking for hassle-free service.”

JDGoogle review

Find out if you’re overpaying

60 seconds to enquire. No credit score impact. A straight answer from a local broker — even if it’s “stay where you are”.