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Car & Personal Vehicle Loans
Finance for new and used cars, 4WDs, SUVs, and personal vehicles. Fixed rates for the life of the loan — know exactly what you're paying from day one.
Sector Finance · Broker
Personal Finance — Car, Caravan & Boat Mackay
Competitive personal finance for cars, caravans, boats, and recreational assets across Mackay, Whitsundays, and all of Queensland.
About this finance
Life in Mackay and the Whitsundays is made for the outdoors — and we can help you finance the vehicle, caravan, or boat that makes it possible. Loxent Finance provides personal finance for individuals and families across Mackay and Queensland, with access to 40+ lenders competing for your business. Whether you're buying a new family car, upgrading to a luxury caravan for the Grey Nomad run, or financing a tinnie for the weekend, we find the right loan with honest advice and no hidden fees.
Finance products
The right structure for your situation.
We match you to the product that fits your tax position and cash flow — not the first lender that says yes.
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Caravan Finance
Finance for full caravans, fifth-wheelers, camper trailers, and pop-tops. New and quality used caravans considered. Terms up to 7 years to keep repayments manageable.
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Marine & Boat Finance
Finance for tinboats, runabouts, ski boats, offshore vessels, and luxury cruisers. Living near the Whitsundays should mean getting on the water — we make it affordable.
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Motorbike & Powersports Finance
Finance for motorcycles, jet skis, quads, and other recreational assets. Competitive rates with flexible terms to match your budget.
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Debt Consolidation
Combine multiple personal finance commitments into a single, lower-rate loan. Simplify your finances and potentially reduce your total monthly repayments.
Why Loxent
What makes the difference.
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Better Rates Than the Dealer
Dealer finance is convenient but rarely the best rate. We shop 40+ lenders to find genuinely competitive personal finance — and we're transparent about the comparison.
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Fast, Simple Process
Online enquiry, quick assessment, fast approval. Most personal finance applications are approved within 24 hours of providing full documentation.
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Local Mackay Brokers
Talk to a real person in Mackay — not an overseas call centre or an algorithm. We give you honest advice and keep you informed throughout the process.
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No Hidden Fees
We disclose all fees upfront. You'll know the total cost of your loan before you sign — no surprises at settlement.
Ready for a quote?
First call costs nothing. Tell us what you're financing and we'll come back with options.
Common questions
Questions we hear most.
How do I get the best car finance rate in Mackay?
The best strategy is to use a broker rather than going direct to a single lender. We compare rates across 40+ lenders to find the most competitive option for your specific situation — your credit history, the vehicle age, loan amount, and term all affect the rate you're offered. Applying through us costs you nothing extra, and we're upfront about what each lender is offering.
Can I finance a used caravan in Queensland?
Yes. Most of our personal finance lenders will consider quality used caravans up to a certain age. The key factors are the caravan's age, condition, and whether it's from a dealer or a private sale. We'll let you know what's achievable for your specific caravan before you apply.
What is the maximum loan term for boat finance in Mackay?
Most marine finance products offer terms of up to 5–7 years, with some lenders extending to 10 years for larger vessels. Longer terms reduce your monthly repayment but increase the total interest paid — we'll show you a full comparison so you can make an informed decision.
How fast is personal finance approval in Queensland?
For personal vehicle, caravan, and boat finance, most applications with complete documentation are approved within 24 hours. If you have a dealer holding a vehicle for you, just let us know the deadline and we'll prioritise your application.
Does getting a personal loan quote affect my credit score?
A soft enquiry (rate check) does not affect your credit score. A full application does create a credit enquiry, which has a small short-term impact. We recommend getting a clear picture of your options before submitting a formal application — and we can help you do that without multiple hard enquiries affecting your score.