knowledge
Source: ecarz.com.au (pulled 16 July 2026). For chatbot / AI assistant ingestion.
1. BUSINESS SNAPSHOT (quick-reference facts)
| Fact | Detail |
|---|---|
| Trading name | eCarz |
| Legal entities | eCarz Pty Ltd (ABN 71 617 296 241) — used vehicle sales/wholesale. eCarz Finance Pty Ltd — Australian Credit Licence #518268 |
| What we do | Car brokerage (buy/sell) + asset finance brokerage |
| Address | 6/35 Paringa Road, Murarrie QLD 4172 |
| Phone | 1300 378 387 |
| info@ecarz.com.au | |
| Hours | Mon–Fri 9:00am–5:30pm. Saturday by appointment |
| Areas serviced | Brisbane, Gold Coast, Sunshine Coast, Toowoomba, Ipswich, Logan — plus nationally via dealer network |
| Lender panel | 60+ Australian lenders (see note in Section 9 — site is inconsistent, some pages say 40+/50+) |
| Positioning line | "We work for you — not the dealer or the bank." |
| Core services | Car Buying Service, Sell My Car (Instant Offer), Consignment Selling, Car & Asset Finance |
2. WHAT WE OFFER
Car Buying Service — We source, negotiate, and handle paperwork for a new or used vehicle on the customer's behalf. Any make/model/brand.
Sell My Car — Instant Offer — Fast cash offer, typically within 24 hours, settlement in 24–72 hours.
Consignment Selling — Customer keeps driving the car while we market and sell it for them across Carsales, Facebook, and the eCarz website.
Car & Asset Finance — Consumer and commercial finance across:
- Car loans (new & used)
- Truck finance
- Personal loans / debt consolidation
- Equipment finance
- Business loans
- Medical finance (for doctors/medical professionals)
- Boat/marine finance
- Caravan finance
- Motorcycle finance
- Car leasing
- Novated leasing
- Chattel mortgage
- Low doc loans (self-employed/ABN)
3. FAQ — CAR BROKERS & BUYING A CAR
Q: What is a car broker? A: An independent professional who sources, negotiates, and buys a car on your behalf without being employed by any dealership. eCarz brokers work a national dealer network and use fleet relationships to negotiate price, then handle all the paperwork.
Q: What's the difference between a car dealer and a car broker? A: A dealer only sells what's in their own yard and needs to move that stock — so you'll always get some form of hard sell. A broker holds no stock. We search the whole market for the exact vehicle a client wants and negotiate purely on their behalf, with no pressure to shift inventory.
Q: Is using a car broker worth it / is it cheaper? A: Yes for most buyers. Brokers typically negotiate 5–15% below walk-in retail pricing — on a $40,000 vehicle that's roughly $2,000–$6,000 in savings. Most clients also save significant time by skipping dealership visits and negotiations entirely.
Q: What does eCarz charge to buy a car? A: A transparent flat fee based on the vehicle's value — the cheaper the car, the lower the fee. No hidden costs; the fee is disclosed upfront and covers the full sourcing and negotiation service. (See Section 9 — flag for Jason: an older FAQ page states buying is free to the customer, dealer-funded. Needs confirming — see bottom of doc.)
Q: Is there any obligation to enquire? A: No. All enquiries are obligation-free and no deposit is required at the consultation stage.
Q: Can eCarz help if I don't know what car I want yet? A: Yes. We recommend suitable vehicles based on budget, lifestyle, passenger needs, and long-term ownership goals.
Q: Do I have to deal with the dealer myself? A: No. eCarz manages all dealership communication and negotiation — the customer just signs off on the outcome.
Q: How long does buying a car through eCarz take? A: Vehicle options are typically presented within 3–7 business days. Full process usually 1–3 weeks. Finance pre-approval is usually done within 24 hours.
Q: What areas does eCarz service for car buying? A: Brisbane, Gold Coast, Sunshine Coast, Toowoomba, Ipswich, Logan, and clients Australia-wide via our dealer network.
4. FAQ — SELLING A CAR (INSTANT OFFER)
Q: How does the Sell My Car service work? A: Submit vehicle details, we present the car to our dealer network, dealers compete to give their best offer, and we manage the entire sale process.
Q: How is my car's value determined? A: Make, model, year, condition, mileage, service history, and current market demand.
Q: How fast can I sell my car? A: Most vehicles receive dealer offers within 24 hours, with settlement often completed within 24–72 hours.
Q: Do I have to bring the car in? A: No — inspections and collections can be arranged across Brisbane, Gold Coast, Sunshine Coast, and surrounding areas.
Q: When do I get paid? A: Payment is transferred directly to the customer's bank account on settlement day, once requirements are completed.
Q: Can I sell a car that still has finance owing? A: Yes — we coordinate the payout directly with the lender and transfer any remaining equity to the customer after settlement.
Q: Is selling through eCarz better than selling privately? A: Generally faster, safer, and more convenient — no need to manage inspections, advertising, or negotiations yourself.
5. FAQ — CONSIGNMENT SELLING
How it works: Customer keeps driving the car while eCarz markets it (Carsales, Facebook, eCarz website), manages enquiries and viewings, and handles the sale end-to-end.
Current fee structure (from live site, May 2026):
| Item | Cost |
|---|---|
| eCarz consignment fee | $990 flat + 2.5% of final sale price |
| Marketing/listing — first month | $770 (payable upfront) |
| Marketing/listing — each month after | $485 |
Conditions:
- Car must be available for buyer appointments — either dropped off the day before or the morning of a viewing.
- Vehicle must be clean and presentable for all viewings.
- Some documents required upfront (see Consignment Checklist PDF).
Q: What happens if my car doesn't sell in 30 days? A: Three options — take the car back, relist for another 30 days (listing fees reapply), or accept the pre-agreed Buy Now price.
Q: What's the difference between Instant Offer and Consignment? A: Instant Offer is a fast, direct cash sale to our dealer network (24–72hrs). Consignment is a longer-run listing across major platforms aimed at a higher net return — customer keeps driving the car while it's for sale, but the car needs to be left with us to show buyers once listed live.
6. FAQ — CAR & ASSET FINANCE
Q: How does car finance work in Australia? A: You borrow to purchase the vehicle and repay over a fixed term (typically 1–7 years) with interest. eCarz compares 60+ lenders through a single application to find competitive rates and flexible terms.
Q: What types of car finance are available? A: Secured car loans (car used as security), unsecured loans (no collateral, higher interest), novated lease (salary sacrifice through employer), chattel mortgage (business use, tax benefits).
Q: Who can apply? A: Must be 18+, an Australian citizen/permanent resident/eligible visa holder, with a regular income and ability to demonstrate loan repayment capacity.
Q: What documents do I need? A: Photo ID, proof of income (payslips/tax returns/BAS for self-employed), bank statements (last 3 months), employment details, proof of address, and vehicle details if already chosen.
Q: Can self-employed people get finance? A: Yes — we work with lenders accepting BAS statements, bank statements, or accountant declarations for self-employed/ABN-only applicants.
Q: Can I get finance with bad credit? A: Yes, though options may be more limited — possibly higher interest or a guarantor required. We work with lenders who specialise in this.
Q: How fast can I get approved? A: Most applications get same-day pre-approval; formal pre-approval typically confirmed within 24 hours.
Q: What's a balloon payment? A: A lump sum due at the end of the loan term. It lowers monthly repayments but must be paid in full (or refinanced) at term end — common with chattel mortgages and business vehicle finance.
Q: Fixed vs variable interest rate? A: Fixed stays the same for the loan term (predictable repayments). Variable can move with the market (may go up or down).
Q: What's a comparison rate? A: Interest rate plus most applicable fees/charges combined into one percentage — gives a truer total cost than the headline rate alone.
Q: Can I pay off my loan early? A: Some lenders allow this penalty-free; others charge exit/break fees. Always confirmed before the customer signs.
Q: Can I get finance on a used car? A: Yes, though some lenders have age/condition restrictions.
Q: What if I miss a payment? A: Can trigger late fees, credit score impact, and potential repossession. Customer should contact the lender immediately if facing hardship.
Q: Finance for non-residents/temporary visa holders? A: Some lenders offer this depending on visa type, remaining duration, and income stability.
Q: Can I get finance and a car through eCarz at the same time? A: Yes — vehicle sourcing and finance are run as one streamlined process. Pre-approval can be arranged before we start sourcing the vehicle.
Key contract terms to flag to customers:
- Interest rate vs comparison rate
- Loan term
- Fees and charges (application, monthly account, early exit, late payment)
- Balloon payment (if any)
- Repayment flexibility (extra repayments allowed?)
- Total repayment amount over the life of the loan
7. LENDER PANEL (as listed on site)
ANZ, NAB, Westpac, CBA, Liberty, Pepper Money, Capital Finance, Shift, Moula, Medfin, WISR, Plenti, BOQ Specialists — plus others across the 60+ lender panel.
8. WHY ECARZ (differentiators for AI to draw on)
- Independent — not aligned to any dealer or bank; broker is paid to work for the customer.
- End-to-end: sourcing, negotiating, financing, and selling all under one roof.
- 60+ lender panel for finance comparison.
- Buy Now guarantee on consignment listings (30-day window).
- Strong, established reputation — high-volume 5-star reviews on Google and Trustpilot (get current counts from Jason/marketing before quoting a number publicly).
- Licensed broker: eCarz Finance Pty Ltd holds ACL #518268.