We empower
international students.
Finance the car that powers your side business — built for student entrepreneurs, new arrivals and visa holders the big banks overlook. A clear weekly price, and the car is yours from week one.
🔒 No credit check to get a quote or apply. See your number with zero impact to your score.
day one
🔒 Applying won't affect your credit score
Figures are examples only and not an offer of finance. Fixed weekly repayments; a 20% deposit (held in your bank account) is required. Rental comparison assumes a typical rideshare rental of $330/week (actual rental costs vary). For income-generating vehicles used 50%+ for business.
Renting pays off someone else's car. We help you buy your own.
A typical rideshare rental runs about $330 a week — and at the end you hand it back with nothing. Put similar money towards finance and the car is yours.
- ✕ Around $17,160 a year — gone, with no asset to show
- ✕ Hand the car back at the end
- ✕ Mileage caps, condition fees, locked-in contracts
- ✕ You can rent for years and still own nothing
- ✓ A fixed weekly repayment you know upfront
- ✓ The car is registered to you from the first week
- ✓ Drive it your way — no rental restrictions
- ✓ Pay it off and you owe nothing — the car stays yours
Comparison is general information only, not financial advice, and uses an assumed rental of $330/week. Whether finance suits you depends on the loan amount, term and your own circumstances. Use the calculator above to see your figures.
From a quote to the keys, step by step.
A clear, simple path. The first steps never touch your credit score.
Quotation
Pick your amount and term, see your exact weekly repayment instantly.
No credit checkApply
Quick online application and a few details about the car you want.
No credit hitApproval
A real person reviews your income and banking. A fast, human decision.
20% deposit
Your deposit secures the deal — for a dealer or private sale.
Settlement
We pay the seller and the car is registered in your name.
Drive & own
The car is yours. Fixed weekly repayments begin — no surprises.
Built for international student entrepreneurs.
If you're using a vehicle to build an income — and the big banks have shown you the door — this is for you.
Student entrepreneurs
Running a side business within your permitted working hours? A reliable car is often the engine behind it. We back that.
New to Australian credit
No local credit history yet? We look at how you actually bank, not a score you haven't had time to build.
Rideshare & delivery
Earning with Uber, DoorDash, Amazon Flex and similar — your car is a tool that pays for itself.
New arrivals & visa holders
Most working visas welcome. Just starting out in Australia shouldn't mean you can't get moving.
Dealer or private sale
Buy from a licensed dealer or a private seller — we finance both, $5,000 to $50,000.
Anywhere in Australia
Every state and territory. Apply online and we'll settle with your seller wherever they are.
A student visa doesn't mean you can't build a business.
Within your permitted working hours, you're entitled to earn — and to own the vehicle you earn with. We help student entrepreneurs do exactly that. And we don't cap your loan at today's visa: if you're eligible for the Graduate visa (subclass 485) program and intend to stay in Australia, we can structure a term around your real pathway here.
What you'll need to qualify.
Straightforward criteria, designed for people just getting started — no two-year trading history, no perfect credit file.
An ABN — even a brand-new one
As little as 1 day old. GST registration isn't required. New student entrepreneurs just need a clear, simple business plan.
An eligible visa
Most working visas are welcome. We can't finance visitor or refugee visa holders.
A 20% deposit
Available in your bank account. It secures your purchase and keeps your weekly repayment lower.
An income-generating vehicle
A practical car that helps you earn — sedans, hatchbacks, wagons, utes, vans. No 3-door cars or sports cars.
One fixed weekly figure. You see the total before you sign.
Choose a term and you know exactly what you pay each week and in total. Example below is for $15,000 financed, compared with renting at $330/week — slide the calculator for your own amount.
A longer term lowers your weekly repayment but increases the total you repay. All figures are examples only, not an offer of finance, and a 20% deposit applies. Choose the term that suits your budget.
Simple, honest fees — here's every one.
No hidden fees. Just one upfront application fee, and a set of fees we've waived so you can get on with earning.
Pay it out early — and walk away.
From the halfway point of your loan, you can pay it out with no early-payout penalty. Just clear the remaining principal and the car is yours, free and clear. No exit traps, no fine print.
The important things to know.
We'd rather you understand exactly what this is before you apply.
It's business-purpose finance
This finance is for an income-generating vehicle used 50% or more of the time for business. You confirm your business use when you apply.
A licensed lender
Fixon Pty Ltd operates under Australian Credit Licence #547719. As business-purpose finance, this product sits outside the National Credit Code, so some consumer-credit protections don't apply — see the full details below.
Information, not advice
Everything here is general information to help you decide. It isn't financial or credit advice. Consider your own situation, and seek advice if you're unsure.
The things people actually ask.
No. Getting a quote and submitting your application won't affect your credit score. You can see your weekly repayment with zero impact before you decide anything.
Yes. Within the working hours your visa permits, you're entitled to earn — and to own the vehicle you earn with. Most working visas are eligible. We can't finance visitor or refugee visa holders. And if you're eligible for the Graduate visa (subclass 485) program and intend to stay, we can structure your term around that pathway rather than capping it at today's visa.
An ABN (it can be as new as 1 day old — GST registration isn't required, and new student entrepreneurs just need a clear business plan), an eligible working visa, a 20% deposit available in your bank account, and an income-generating vehicle. The car must be a practical earner — sedans, hatchbacks, wagons, utes or vans — not a 3-door car or a sports car.
One upfront application fee of $1,990, which you can capitalise into the loan. The $3.95 direct-debit fee and the $28/week account-maintenance fee are waived — the account-maintenance fee only applies from your first dishonour (missed repayment). Risk fee and legal fee are $0. No hidden fees.
Yes. From the halfway point of your loan you can pay it out with no penalty — just clear the remaining principal and the car is yours, free and clear.
Yes. The vehicle is purchased and registered to you from the start. You make fixed weekly repayments towards a car that's already yours — and when it's paid off, you owe nothing.
We operate Australia-wide — every state and territory. You apply online and we settle with your seller wherever they are, dealer or private sale, from $5,000 to $50,000.
There's no fluctuating rate to track. You pick a term — 6, 12, 18 or 24 months — and see your exact fixed weekly repayment and the total repayable upfront. A longer term lowers the weekly amount but increases the total you repay.
Student Car Loan is a trading name of Fixon Pty Ltd (ABN 41 647 560 147), which operates under Australian Credit Licence #547719, Credit Representative Number 551588. This product is provided for business purposes; full licensing and regulatory details are in the footer below.
Your business is moving.
Own the car that moves it.
Two minutes, no credit check, Australia-wide. A clear price and the car is yours from day one.