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How do I apply?

You can submit an application online simply and quickly through our application link.  

How long does it take?

Once we receive supporting documentation, the application is submitted by the financier and we can get an answer the same day. 

What do I need to apply for a loan?

You will need to be employed in either full time, permanent part time or casual employment.  You will need to be either an Australian Resident, Citizen or on a Sponsored of 457 Visa.  You will also need to be able to provide proof of income and 100 points identification.

Do I need a drivers licence, boat licence or jetski licence to apply?

You would need a licence in most cases, however there are many scenarios where you might not need one.  Please contact us if you would like to discuss your situation.

How do I repay the loan?

Repayments are usually setup via direct debit. Extra repayments to reduce interest can be made via online banking in most cases.

Do I require a deposit?

You will not necessarily be required to pay a deposit.  As each application is reviewed individually and assessed on its own merit, there may not be a requirement for deposit.

How old can the vehicle/boat/camper trailer/jetski/motorcycle be that I want to purchase?

For motor vehicles we can finance a vehicle up to 20 years old at the end of the loan term.  Boats, camper trailers, jetskis and motorcycles can be no older than 15 years old at the end of the loan term.

Can I purchase through a private seller?


Can I get pre-approval before purchasing?

Yes, you can simply submit an application online and have one of our experienced staff call you back to discuss your options.

Can I purchase a repairable write off?

Unfortunately, we cannot assist in the financing of repairable write offs.

What kind of insurance is required?

You will be required to insure the asset being purchased with Comprehensive Insurance. When the asset purchased is being used as security for the loan the financier will be need to be noted on the policy as the financier.

What if I have bad credit or am ex-bankrupt?

We assess each application differently, taking customer’s individual circumstances into account when placing an application with a financier.  We certainly have facilities in place to assist customer with bad credit, however defaults will need to be paid in full and ex-bankrupts discharged.

I have previously been declined – do you think you can help?

We have built a strong relationship with our lenders and we negotiate the outcome for you.  We also have other options that other finance firms do not have available to them, such as accreditation with private financiers.

Check IconTotal Funding's success has been attributed to its expertise in helping its clientele, to the point we enjoy a very high return rate. This is because we work for the client, not the lenders. So it’s always in our best interest to get your application approved to meet your needs.