We offer

 - Premium, hassle free service

 - Fast Approvals

 - A cheaper option compared to               finance packages with future value         guarantees

Are you looking to finance a new, demo or used luxury car in Cairns?

We can help you! 

Specialising in business car & equipment finance, we work with Cairns businesses both large and small to give them the solutions they need, and the service they no longer receive from their bank.  


What are your interest rates?


If buying for business purposes your interest rate will depend on the proposed loan amount, loan term, if a balloon or residual value applies and any particular lender interest rate special at the time.


We offer discounted rates to our clients buying new Luxury Cars & SUV's. Our rates & fees are generally cheaper than car dealership sourced finance. If you are told otherwise by the dealership finance manager, ask for a quote and compare it to ours.  

If you are considering low or no interest finance offers, always read the fine print. Often these offers are used as bait to trigger your enquiry.


These offers generally have short loan terms and large deposit requirements. If you take up one of these offers you will also find there is little chance of negotiation on your trade or the price of the car. Money isn't free and the car manufacturer builds in the loss they incur with cheap finance into the cost of your new car. 

Do you have deposit requirements or loan term restrictions?

Our lenders generally don't require upfront deposits for your finance and won't restrict you to a 3 year term like some car finance offers require. 

How much should my loan application fees come to?


Some car manufacturers will charge you upfront and capitalised fees (added to the loan) of more than $2000.00. Our lenders application fees will be a maximum of $500.00, but cheaper in most cases.  

Can we have a balloon as part of our finance? 

We can include balloon payments for business clients, meaning loan repayments can be suited to your budget.

Should I be wary of a future value offer?


If you are considering a finance package with a future value option we highly recommend comparing this to a more traditional finance option to make sure the rate you are quoted on the finance is not too high. 

When considering future value options you also need to take note of possible adjustments for excess kilometre's, wear and tear and service history.  


Can I buy a car via private sale?

The answer is yes! If buying via private sale there is more paperwork involved, however the onus for the extra work normally falls to the it won't require much extra effort from you. Generally an inspection is required by either an independent inspector, bank or broker to make sure the item being financed has been vetted. Each lender has their own requirements regarding private sales.

What finance options & financiers can you offer?

Our finance options include Chattel Mortgage, Hire Purchase, Lease, Commercial & Consumer Loans. 


Our lender panel includes ANZ & ANZ Health, Commonwealth Bank, Macquarie, Medfin Finance (NAB), National Australia Bank & Westpac.

What will my repayments be?

Vehicle finance isn't one size fits all. The rate applicable to your loan and the resulting repayment can only be determined once we know the type, age & price of the vehicle you are looking to buy, your proposed loan amount, loan term and requirement for a balloon (residual value). Once this is known we can provide a finance quote which will outline the interest rate, repayments and other fees and charges applicable. 

Is it all about the rate?

In short no. When comparing & considering car finance it is always important to compare repayments and not just rate over the same term, loan amount and balloon if applicable. This is particularly the case when considering car dealer finance. 

What's energy efficient finance and how do I qualify?

Over the last couple of years the government through the clean energy corporation has introduced interest rate discounts for vehicles that are energy efficient. Providing your proposed vehicle qualifies we can help you apply for the discount. The figure varies from lender to lender but usually results in a rate discount of approx .50 - .70%. Depending on your loan amount this can potentially save you thousands over the loan term. Typically this applies to hybrid & smaller vehicles. The discount being applied is always subject to lender approval.   

Are your appointment times flexible?

We are able to fit in with your busy schedule and can meet you after hours or on weekends if required at a location convenient for you.


Please do not hesitate to contact us to arrange a no obligation meeting or finance quote. 

You contact us via: 


Mobile on 0427 216 011

Email at or by leaving your details. 

Client Reviews

After dealing with Banks and Car Yards for vehicle financing I was tired of doing all the leg work myself. Simon took care of everything, organised the finance, dealt with the car dealership and our insurance provider to ensure everything went smoothly with the purchase or our new work vehicles. I will never use anyone else for our financing needs. Aaron, Cairns.

I was on the market for a car for myself and was looking for someone to provide me with a reliable and straightforward finance service.  I was recommended to Simon at Tropic Car Loans by my accountant.. Simon negotiated the best interest rate on our behalf and assisted with the entire purchasing process. The service and personal attention I received from Simon was exceptional and beyond what I was expecting. My experience was very positive and I would highly recommend them to someone looking for a quick settlement and personal service. Peter, Cairns.

Simon is valuable to the structure of our business as he fully understands our needs. At a simple call over the phone I can have Simon organise finance for our businesses.  Service like this is extremely hard to come by these days. Nothing is ever a problem for Simon as his service goes above and beyond what is required as far as we are concerned . We would highly recommend Simon to customise finance for your needs in business. Wayne, Cairns

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Credit Guide Available on request