Get a Quote

COMPARE LENDERS – CHOOSE LOANS

iCREDIT Newcastle Car Loan Refinance offers a convenient and flexible solution for individuals looking to improve their existing car loan terms.

With their expertise in the financial industry and dedication to customer satisfaction, iCREDIT Newcastle specializes in helping clients refinance their car loans to secure better interest rates, lower monthly payments, or more favorable loan terms.

By partnering with a network of reputable lenders, iCREDIT Newcastle ensures access to competitive refinancing options tailored to each client’s specific needs and financial circumstances.

With a streamlined application process and personalized service, iCREDIT Newcastle Car Loan Refinance is the go-to choice for individuals seeking to optimize their car loan and potentially save money in the process.

– Loans from $5000

– 1 to 7 year loan terms

– Weekly, Fortnightly or Monthly Repayments

-Fixed Interest Rates

FREQUENTLY ASKED QUESTIONS

What will my interest rate be?

Our loan process compares your application across a panel of over 40 banks and lenders. This provides you a clear picture of your qualifying interest rate, any lender fees and a total cost of your loan over the term helping you choose a loan suitable to you.

What is car loan refinancing?

Car loan refinancing involves replacing an existing car loan with a new loan, often from a different lender, to obtain better loan terms such as lower interest rates, extended repayment periods, or reduced monthly payments.

When should I consider refinancing my car loan?

Refinancing your car loan can be a good option if interest rates have dropped since you initially obtained the loan, if your credit score has improved, or if you want to change the terms of your loan to better suit your financial situation.

Will refinancing my car loan affect my credit score?

Refinancing itself does not negatively impact your credit score. However, applying for refinancing may involve a hard inquiry on your credit report, which could have a temporary impact on your score. It’s important to make all payments on time and manage your new loan responsibly to maintain or improve your credit.

Our loan comparison process at iCREDIT Newcastle provides you with a total loan cost, qualifying interest rate and fees and charges costs without negatively affecting your credit rating.

Can I refinance my car loan if I owe more than the car is worth?

It’s possible to refinance a car loan even if you owe more than the car’s value, although it may be more challenging. Some lenders offer options for refinancing negative equity, but you may need to meet specific requirements and consider the potential impact on your loan terms and overall financial situation.

How do I choose the right lender for car loan refinancing?

It’s important to compare offers from different lenders to find the best refinancing terms and interest rates. Consider factors such as the lender’s reputation, customer reviews, loan terms, fees, and customer service. iCREDIT Newcastle consults and compares loans through these lenders on your behalf to provide up to date, transparent results suitable for your specific needs.

4 Quick and Easy Steps to Securing Your Car Loan Refinance

Apply Online

Complete your application online.
Submit all of the required documentation.

Get Pre-approved

We will approve you for the maximum loan amount and quote you on your repayments

Easy Document Sign

Easy sign of your loan document electronically.

Settle

Start your new car loan with lower repayments

Why Choose Us?

There are several reasons why iCREDIT Newcastle is the ideal choice for car loan refinancing.

Their team of experienced professionals specializes in assisting individuals seeking to improve their existing car loan terms, providing personalized guidance and support throughout the refinancing process.

iCREDIT Newcastle has established strong relationships with a network of lenders, enabling them to offer competitive interest rates and flexible terms that are tailored to suit each customer’s unique circumstances.

Their streamlined application process ensures quick approvals, allowing you to potentially secure better loan terms and start saving money sooner.

iCREDIT Newcastle’s commitment to exceptional customer service ensures that clients feel supported and empowered on their journey to optimize their car loan and potentially improve their overall financial situation.

TESTIMONIALS

What Customers Say About Us

Excellent
4.7
Based on 230 reviews
review us on
Angela O.
For a money man I found Wayne to be honest and very upfront which helped. No sugar coating anything, no false hope. Thank you for your help. The boys love their new car.
Kristyl Ben J.
Easy process fast result highly recommend
Ash A.
Very happy with what Michelle has done for us both for a personal and a car loan. Michelle is very efficient and organized and made the process quite comfortable and streamlined. Definitely recommend Michelle.
Jason J.
We have used Icredit Tasmania on a few different occasions over the years from getting a better rate for our mortgage, a motor vehicle loan and most recently assistance setting up what we need for our business, each time Kim has been our go to person and we rate her professionalism and knowledge second to none, from the application to the final signing Kim has been in contact every step of the way, my wife and I couldn’t recommend Kim and Icredit enough, a very satisfying experience.
TFB A.
iCredit have arranged two motor vehicle finance loans for us to purchase trucks. We have been really happy with the service provided by iCredit and would happily recommend them to others. Cameron Tfbhire.com.au
DIS J.
Hi Scott,I wanted to take a moment to express my sincere appreciation for your invaluable assistance in helping me navigate the complexities of car warranties. Your expertise and dedication made the entire process smooth and stress-free.Your thorough understanding of the various warranty options available ensured that I could make an informed decision that best suited my needs. Your patience in answering all my questions and clarifying any doubts reassured me every step of the way.Moreover, your commitment to providing personalized support and going above and beyond to address any concerns truly sets you apart. Your professionalism and attention to detail are commendable, and I am grateful for your unwavering support throughout the entire process.Thanks to your guidance, I now have the peace of mind knowing that my car is protected by a comprehensive warranty that meets all my requirements. Your dedication to customer satisfaction is evident, and I have no hesitation in recommending your services to anyone in need of expert advice on car warranties.Once again, thank you, Scott, for your exceptional assistance. I look forward to working with you again in the future and will not hesitate to reach out whenever I need assistance with any financial matters.Best regards,SID
Luke P.
I would like to thank Al Purton for his professionalism and hard work to get my loan for a work car over the line within a matter of days. His knowledge, hard work and customer service were second to none. Thank you so much Al, I will definitely be recommending you to everyone!!
Ashley P.
Fantastic service and Communication
Sam
Rachel C.
My husband and I would just like to thank Scott so much for his professionalism in handling our loan process,he was constantly in contact with us and updating us along the way.thanks so much Scott for the amazing personal assistance you gave us we will most definitely be calling you in the future for any other loan enquiries. Cheers dan and rachel
Jessica B.
Dealing with icredit has been great! Scott has done all the behind the scenes difficult things, making this process simple on my end (every busy persons dream)! Thanks for all the help, finding us the best option and answering every query with a prompt answer.
Racquel L.
I cannot recommend Scott from credit enough! This is the second loan in a year Scott has helped me with and I couldn’t be happier with the service he provides.Nothing is too much trouble and my experience both times has been hassle free! Thanks Scott and Team!!
Teresa W.
Kim and Scott were so accommodating and helpful and kept things smooth sailing the way through! They were patient and friendly 🙂
Fraser G.
I’ve used icredit for multiple loans and Scott has been nothing but professional, fast and amazing to work with. Can’t recommend them enough.
Daniel J
Easy to deal with and very friendly staff. Fast turnaround time getting loans sorted
Meagan A.
Friendly, knowledgeable and easy to deal with. Everything advised, you know what you need to provide and updates are provided throughout the process. They will even deal with the dealer direct to save you being the middle man. Approval and documents ready to sign within hours.
Steve H.
Very satisfied with the service - the speed of settlement was incredible and puts my bank to shame.Kim is friendly, knowledgeable and determined to make sure that everyone walks away happy from the experience.I'd give 6 stars if I could.
Jade R.
very happy with the service Kim was very nice and very helpful thankyou
Paul M.
Kim Shelverton made the entire process so effortless and less stressful, nothing was an issue for her, she is very friendly and helpful. Thank you Kim for all your help.
Daniel P.
Excellent customer service and extremely quick with the whole process.
Rebekah C.
Great service & made so easy. Fast
Jay T.
Amanda B.
Highly recommend the team at icredit very helpful with getting a loan.
Ethan H.
This is the 2nd time I've worked with Matt. He was recommended to me as he helped someone get a loan who might not have been able to.He's helped me get 2 cars so far and even my dealership was impressed at the speed at which he organised everything and settled the contract.I will continue to use Matt for all vehicle loans.
kellithorpe115
Kim is extremely helpful and very good at what she does. Quite happily recommend her.
andrea M.
Doing business with Kim was a breeze. Kept me informed throughout the process. Highly recommended 👌
Kiara T.
Can’t thank Emily enough, gorgeous person to deal with!! Patient and understanding Thankyou for the lovely service
derek S.
Eliza C.
I got my car loan processed and approved super quick, without any issues.AMAZING AND PROFESSIONAL
Maxwell B.
Kim was excellent to deal with working with me outside of business hours definitely helped to, will definitely be going back to Kim for any broker needs!
casey H.
Emily fromICREDIT was most helpful very easy to contact at all times for any help at any time couldn’t recommend her enough
Yazmina L.
Kim is absolutely fantastic!She always had good communication during the process.Everything was quickNo words for her efficiencies and dedication .Well done Icredit to have such a valued team 😊
Adekunle A.
Good afternoon please I don't understand this app again you use auto debt to debt from account the sum of 36920 and you still asking me to pay please Check ur record well
adam B.
Kim is a great help, friendly and helpful, makes it a lot easier than doing it alone.I will be using her when ever I need something
Jason W.
Great service, very prompt from Kim in what was a slightly difficult situation, would highly recommend!!
Todd B.
Felicity K.
Kim was very friendly, helpful and nothing was a bother she went out of her way to help fantastic. Would use Icredit againFelicity23/9/22
Ryan M.
Damon A.
I dealt with Wayne during my loan application! I did not expect the service I received! I’m talking after hours I’m talking any time of day or night this man was the most amazing person I’ve ever dealt with we clicked not just on a professional level but person as well! I was really taken aback by the service this man provided me I’m not too computer smart and done the whole thing on the phone! Thanks to this man my special needs child has one thing in his life now that makes him smile more than I’ve seen this child smile in my life! It was a quad bike I applied for and Wayne was absolutely amazing throughout the whole process would ask if I wanted help with the forms during his OWN TIME AFTER HOURS I can not thank this man enough! He’s given my child a smile I’ve not seen before and if anybody out there is looking to finance anything! I strongly recommend you call icredit and ask for Wayne! I can’t thank this man enough for his efforts and commitment! Forever grateful to this man I wish I could buy him a beer or ten as a thank you! Remember the name Wayne!!! He’s your man people! 100% thank you so very much
Victor S.
Kim was happy to help at any time, great work
Scott G.
Just like to thank Kim shelverton for her excellent customer service. Was a pleasure doing business with Kim a very big thank you once again cheers Scott and Sharon.
willliam C.
Kim in Hobart was amazing. Was a quick approval and she was easy to deal with knowledgable and very easy to deal with! If your in the market for a boat or bike she is your gal! Thanks Kim and i-credit
Bron W.
Scott at Icredit!!! What a legend!!! At July 2022, interest rate rises and changes to rules for lending (now includes Afterpay and zip pay statements to be included) got given the run around!! Saved me a lot of stress and heartache!!! Got there in the end!! Kept me updated answered any questions I had!! Highly recommended
Brad H.
Easy to deal with, friendly staff
Kayelene C.
Scott has been amazing! Was such a quick and simple process! Thank you again Scott! Will happily deal with him again!
Kevin H.
We had a fantastic lady deal with our matter a she was great, she had all the answers we needed and nothing was to much.I cannot speak highly enough of she .great job.
Teagan K.
We dealt with Kim and she was very fast and clear with requests and over all pleasant to deal with compared to others. We had our loan approved within days and we are over the moon with how easy it all was considering our work hrs and location. Highly recommend Kim!
Anthony James A.
bash G.
Jason B.
The best finance customer experience ever, Kim was absolutely outstanding in the most fluid financial transaction I have ever experienced .Once again thank you Kim for your hard work , and processing my application in such a timely fashion. 😁😁
Nic T.
I recently got a loan through Kim at icredit and plan to apply for future finance again through Kim. the whole process was super easy and Kim was very helpful.
Deb S.
Can't recommend iCREDIT highly enough. Scott was great from start to finish. made the process so easy..
Oluwanifemi O.
Looking for the best FOREX & STOCK Account Manager? Then I've brought you to all good news that Sherry Sherry is the Best FOREX, STOCK, BINARY OPTION & IQ OPTION online Trader, who can turn $500 into $6,500 in just 4days.... Ever since she started trading for me, I have never had any reason to regret my knowing her... contact her now
email: Murphysherry303@gmail.com
WhatsApp :+ 13153028128
Pip A.
Kim at icredit was great to work with, pure honesty, easy to work with, understood where I was coming from and was willing to meet me after work to get this done.
Kept me informed at every step, and hid nothing from me, if I was to get another loan as such Kim at icredit would the person I would go to hands down every time.
Very easy and approachable person.
Michelle T.
I would highly recommend Christine from iCREDIT. Christine was extremely helpful and professional in helping us secure a car loan and I would recommend Christine for all financial assistance. Michelle and Gavin.
Anieve J
Julie was professional and easy to talk to from the outset of our enquiry. She understood our needs and did a fabulous job finding the right loan for us. We had approval within hours and settlement within 3 business days. It was an easy and wonderful experience and we would recommend her services to anyone looking for a professional, experienced and skilled broker.
Carly D.
Emily and Scott went above and beyond for me, they returned calls after buisness hours and were incredibly friendly and helpful throughout the entire process! Thankyou Emily and Scott!!
Lyn W.
Paul M.
Many thanks to Kim for her prompt and professional service organising finance for a machinery purchase. Nothing was too much trouble for her ,she made the whole process smooth and hassle free. Great job Kim , I will certainly recommend your services to anyone looking to make finance an easy experience
Lachlan S.
Andrea J.
100% Hands down the best team for your financing needs. I have been using and happily recommending Icredit for over 8 years for both my own business equipment finance and also for our customers. Hundreds of loans secured by Icredit and nothing but great feedback. Nobody else compares 👌
Vombatus P.
Kim was really lovely. Great customer service and helped me get a great car 👍👍👍👍
Justin G.
I would HIGHLY recommend iCredit, Christine was amazing for us. She done it in the time frame we needed and she is just incredible. She made the process so stress free!! 10/10 would recommend Christine if you are looking for your next Horse float!!
Liz B.
Scott was great to deal with..especially with both of the loans..our daughters float and our new 4x4 which is called 'Crisis' 😍😍 Nothing was ever a hassle..we were kept up to date with what was happening...the whole process was not as stressful as we thought it would be lol...And even tho it was a couple of months between transactions he remembered who we were...I highly reccommend scott and the icredit team
Maria N.
Highly recommended .. they are extremely professional!
Kelly S.
Absolutely AMAZING customer service!! Couldn’t recommend Icredit enough!! Scott went above and beyond to assist me with the finance of my new float ♥️
Wally C.
Great service and always help out
Liz R.
I would like to thank Christine from icredit for being totally awesome and professional. This is the 3rd time I have dealt with Christine and I couldn’t be happier with the results . Not only did Christine find the lowest interest rate she also had everything done and signed in no time . I highly recommend Christine at icredit . Thankyou
Scutt N.
Totally fantastic service by the Team.
Especially Scott Collins who made my application for a new work vehicle so easy
Anna P.
Amazing service Scott was fantastic and great communication. Highly recommended
Toula S.
Awesome people awesome service.
Donna M.
With ICredit and thanks to Scott was able to get car loan easily and no stress. Cannot recommended him or ICredit enough.
Kath H.
Scott was absolutely amazing both times we used ICredit. He made the loan process uncomplicated and easy for us. Very understanding and helpful. Will be dealing with him again.
Shell T.
Wish I could give 10 ☆ Matt was absolutely fantastic to deal with went above and beyond will definitely use icredit again for any finance needs Thanks Matt
Alyssa H.
Cannot recommend Scott enough! Sourced a great interest rate, easy to contact and worked hard to get loan finalised by our deadline. Thank you �
Paul M.
Icredit is so amazing. I have 8 children and needed a bigger car. I tried everywhere and icredit came to the rescue. Recommend icredit to everyone. That needs those day to day things that cant afford it at the time icredit will look after it for you.
Thank you especially to Christene Pyle. For the great help she gave me.
Justine D.
We applied for the secured loan on Monday and I am collecting my new horse float today. Scott Collins has been amazing with excellent customer service all hours of the day when we had questions. Would highly recommend these guys.
Rochelle L.
Julie was amazing. Went above and beyond what we would or could of ever expected from anyone. Would recommend to anyone!!!
js_loader

Protect Your Investment

We offer a range of optional insurance covers to provide protection for you and your business vehicle.

Options Available

Mechanical Warranty

Loan Protection Cover

Loan Termination Cover

Shortfall / GAP Cover

Eligibility Criteria

In order to apply for a car loan refinance, you need to meet some eligibility criteria.

Be at least 18 years of age or older

Australian citizen, Permanent resident or acceptable visa holder

Not be under a Part IX or current Bankruptcy

Be employed, receiving a pension or self employed

ARE YOU READY?

Get a quote

The Fine Print

*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 5.49% Comparison Rate: 6.71%

AREAS

iCREDIT Car Loan Refinance & Loans is available throughout Newcastle, the Central Coast, Lake Macquarie & Hunter Valley Region.

RESOURCES

AREAS

QUICK LINKS