Approvals as quick as 24 hours
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Finance
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Finance
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Approvals as quick as 24 hours
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Efficient
Car
Boat
RV
Jet ski
Truck
Motorbike
Trailer
Personal
Finance
LESS FUSS NO HASSLE
Get a response within 20 minutes - approvals as quick as 24 hours — from over 40 trusted lenders across Australia
Trusted by Australia’s leading lenders.
Finance for all assets
New or Used - Dealer or Private Sale - Australia Wide
Whether it’s for personal use, business, lifestyle or work — we offer fast, flexible finance options across a wide range of assets.
Business Loans
Business Loans
Business Loans
Business Loans
Consumer Loans
Consumer Loans
Consumer Loans
Consumer Loans
Personal Loans
Personal Loans
Personal Loans
Personal Loans
Novated Leases
Novated Leases
Novated Leases
Novated Leases
Refinancing
Refinancing
Refinancing
Refinancing
Vehicle & EV Finance
New or used, private or dealer — we’ve got you covered.
Fast, flexible finance for cars, utes, and commercial vehicles. We compare lenders to get you approved quickly and on the road sooner.
Marine & Leisure Finance
Finance that fits your lifestyle.
Boats, Jet Skis, Motorbikes — enjoy the things you love with low-rate finance and fast approvals.
Marine & Leisure Finance
Finance that fits your lifestyle.
Boats, Jet Skis, Motorbikes — enjoy the things you love with low-rate finance and fast approvals.
Marine & Leisure Finance
Finance that fits your lifestyle.
Boats, Jet Skis, Motorbikes — enjoy the things you love with low-rate finance and fast approvals.
Plant & Equipment Finance
Keep your business moving forward.
Finance for tools, machinery, and business equipment — helping you grow without slowing down.
Plant & Equipment Finance
Keep your business moving forward.
Finance for tools, machinery, and business equipment — helping you grow without slowing down.
Plant & Equipment Finance
Keep your business moving forward.
Finance for tools, machinery, and business equipment — helping you grow without slowing down.
Personal Loans
Quick cash for life’s extras — no hidden fuss.
Easy, Quick turnaround personal loans for all purposes — with simple terms, same-day turnaround, and real people helping you every step.
Personal Loans
Quick cash for life’s extras — no hidden fuss.
Easy, Quick turnaround personal loans for all purposes — with simple terms, same-day turnaround, and real people helping you every step.
Personal Loans
Quick cash for life’s extras — no hidden fuss.
Easy, Quick turnaround personal loans for all purposes — with simple terms, same-day turnaround, and real people helping you every step.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
RV, Motorhome & Caravan Finance
Hit the road your way — with fast motorhome finance.
Finance your next motorhome, camper, or van conversion with quick approvals, competitive rates, and no confusing paperwork.
Vehicle & EV Finance
New or used, private or dealer — we’ve got you covered.
Fast, flexible finance for cars, utes, and commercial vehicles. We compare lenders to get you approved quickly and on the road sooner.
Vehicle & EV Finance
New or used, private or dealer — we’ve got you covered.
Fast, flexible finance for cars, utes, and commercial vehicles. We compare lenders to get you approved quickly and on the road sooner.
Vehicle & EV Finance
New or used, private or dealer — we’ve got you covered.
Fast, flexible finance for cars, utes, and commercial vehicles. We compare lenders to get you approved quickly and on the road sooner.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
RV, Motorhome & Caravan Finance
Hit the road your way — with fast motorhome finance.
Finance your next motorhome, camper, or van conversion with quick approvals, competitive rates, and no confusing paperwork.
RV, Motorhome & Caravan Finance
Hit the road your way — with fast motorhome finance.
Finance your next motorhome, camper, or van conversion with quick approvals, competitive rates, and no confusing paperwork.
RV, Motorhome & Caravan Finance
Hit the road your way — with fast motorhome finance.
Finance your next motorhome, camper, or van conversion with quick approvals, competitive rates, and no confusing paperwork.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
Trucks & Trailers Finance
Built for heavy jobs — and everyday hauling.
Finance for trucks & trailers with flexible terms and fast approvals. Keep your business rolling without the stress.
Where We Fund
Supporting clients across
every state and every type of asset.
01
Australia Wide
We work with clients across every state and territory — all applications can be completed online or over the phone.
01
Australia Wide
We work with clients across every state and territory — all applications can be completed online or over the phone.
01
Australia Wide
We work with clients across every state and territory — all applications can be completed online or over the phone.
02
Local Service, National Reach
Based on the NSW Central Coast, but supporting customers everywhere with the same personalised, one-on-one service.
02
Local Service, National Reach
Based on the NSW Central Coast, but supporting customers everywhere with the same personalised, one-on-one service.
02
Local Service, National Reach
Based on the NSW Central Coast, but supporting customers everywhere with the same personalised, one-on-one service.
03
Flexible to Your Schedule
Face-to-face (if local), Zoom, Skype or a simple phone call — whatever makes the process easiest for you.
03
Flexible to Your Schedule
Face-to-face (if local), Zoom, Skype or a simple phone call — whatever makes the process easiest for you.
03
Flexible to Your Schedule
Face-to-face (if local), Zoom, Skype or a simple phone call — whatever makes the process easiest for you.
Couldn’t be better
Monique is efficient, friendly and knowledgeable. I have worked with her several times now and she is sensational. Paperwork is minimal, nothing is too much trouble. Will use Fincar again.
// Madeline F
1 year ago — ★★★★★
Outstanding customer focus
As with most things, its all about people and Monique (who looked after my requirements) was sensational. Her attention to detail, follow up and genuine effort to ensure i was happy, meant everything! Best car purchasing experience possible.
// Andrew Satterley
29 Nov 2024 — ★★★★★ — Verified
Monique was amazing
Monique was amazing, great service provided.
// Customer Jared — AU
Verified — ★★★★★
Double happiness
Nice service, very friendly staff and very helpful to solve whatever problem comes out. One of their staff called Monique tried everything to make the settlement of my new Model Y done as early as she can, and luckily my car was settled on the same day with my new property. Double happiness in one day! Thank you Monique and Fincar.
// C.RAN
1 year ago — ★★★★★
Highly Rate
Monique was amazing, really hustled to get us the best price and made the process very effortless! Highly recommend using this service (:
// Pauline and Peter Hoang — AU
4 May 2025 — ★★★★★ — Verified
Fantastic
Outstanding service, professional, quick, regular communications and updates, and helpful every stage of the way. Monique Yukich was really helpful and assisted me getting my new car in a professional and friendly manner. Highly recommended.
// Yair — AU
13 Aug 2025 — ★★★★★
Great customer service that is informative and efficient. Shout out to Monique for her assistance.
I would like to thank Monique and Trisha for their wonderful assistance during this process. First time doing a novated lease and Monique in particular was able to break down the process that was easy to follow and answered a lot of questions clearly for me to understand. The process of approval was fast and easy. I would highly recommend Fincar to many others. Monique did an exceptional job in providing great quality customer service.
// Maynard Huynh
5 Nov 2025 — ★★★★★
Monique Yukich
Monique Yukich – She is a star, knows her craft/business and is very professional in dealing with me, setting up the right expectations, timely updates on the processing of my application, and starts the conversation with a positive attitude (can-do) and exemplifies confidence in her work. She is an ASSET of FINCAR. 5-star rating!!!
// 17 November 2025 — Unprompted review
Super Service & Savings
Monique Yukich was wonderful, helpful, very prompt and proactive.
// Deborah Ashby — South East Queensland, QLD
★★★★★
“Client feedback from previous role in the industry.”
Couldn’t be better
Monique is efficient, friendly and knowledgeable. I have worked with her several times now and she is sensational. Paperwork is minimal, nothing is too much trouble. Will use Fincar again.
// Madeline F
1 year ago — ★★★★★
Outstanding customer focus
As with most things, its all about people and Monique (who looked after my requirements) was sensational. Her attention to detail, follow up and genuine effort to ensure i was happy, meant everything! Best car purchasing experience possible.
// Andrew Satterley
29 Nov 2024 — ★★★★★ — Verified
Monique was amazing
Monique was amazing, great service provided.
// Customer Jared — AU
Verified — ★★★★★
Double happiness
Nice service, very friendly staff and very helpful to solve whatever problem comes out. One of their staff called Monique tried everything to make the settlement of my new Model Y done as early as she can, and luckily my car was settled on the same day with my new property. Double happiness in one day! Thank you Monique and Fincar.
// C.RAN
1 year ago — ★★★★★
Highly Rate
Monique was amazing, really hustled to get us the best price and made the process very effortless! Highly recommend using this service (:
// Pauline and Peter Hoang — AU
4 May 2025 — ★★★★★ — Verified
Fantastic
Outstanding service, professional, quick, regular communications and updates, and helpful every stage of the way. Monique Yukich was really helpful and assisted me getting my new car in a professional and friendly manner. Highly recommended.
// Yair — AU
13 Aug 2025 — ★★★★★
Great customer service that is informative and efficient. Shout out to Monique for her assistance.
I would like to thank Monique and Trisha for their wonderful assistance during this process. First time doing a novated lease and Monique in particular was able to break down the process that was easy to follow and answered a lot of questions clearly for me to understand. The process of approval was fast and easy. I would highly recommend Fincar to many others. Monique did an exceptional job in providing great quality customer service.
// Maynard Huynh
5 Nov 2025 — ★★★★★
Monique Yukich
Monique Yukich – She is a star, knows her craft/business and is very professional in dealing with me, setting up the right expectations, timely updates on the processing of my application, and starts the conversation with a positive attitude (can-do) and exemplifies confidence in her work. She is an ASSET of FINCAR. 5-star rating!!!
// 17 November 2025 — Unprompted review
Super Service & Savings
Monique Yukich was wonderful, helpful, very prompt and proactive.
// Deborah Ashby — South East Queensland, QLD
★★★★★
“Client feedback from previous role in the industry.”
20+
About Efficient Finance
About Efficient Finance
About Efficient Finance
About Monique
With over 20 Years in the motor industry - a decade in finance lending, the time has come for Monique to put her own stamp on the process.
Monique's vision is simple: to deliver a seamless, enjoyable, and efficient finance experience with less fuss and no hassle.
It’s about being transparent, efficient, and genuinely focused on what matters most: securing the most competitive lender and the best possible outcome for each customer’s unique profile.
Based on the NSW Central Coast, Monique offers a personalised service that fits the way you want to connect. Whether it’s face-to-face, Zoom, WhatsApp, or a quick call.
Monique makes the process easy, transparent & tailored for you.
Get in touch
Get in touch
Get in touch
Start your finance enquiry
Fill in the form below and we’ll get back to you shortly with your options. No obligation and no impact to your credit score for initial enquiries.
Prefer to speak with someone right away?
You can reach Monique directly:
With over 20 years in the motor industry and a decade in finance lending, you’ll always receive friendly, clear support — with access to 40+ trusted lenders and approvals as quick as 24 hours.
Get in Touch
Prefer to speak with someone right away?
You can reach Monique directly:
Get in Touch
Prefer to speak with someone right away?
You can reach Monique directly:
With over 20 years in the motor industry and a decade in finance lending, you’ll always receive friendly, clear support — with access to 40+ trusted lenders and approvals as quick as 24 hours.
Get in Touch
10+ Years
Finance Lending Expertise
10+ Years
Finance Lending Expertise
20+ Years
Motor Industry Experience
20+ Years
Motor Industry Experience
40+ Lenders
Compared for Every Application
40+ Lenders
Compared for Every Application
Questions? We’ve got the answers.
Questions? We’ve got the answers.
How quickly can I get approved?
Most approvals can take 24 - 48 hours. We will contact you within 20 mins of your enquiry to start the process
How quickly can I get approved?
How quickly can I get approved?
Most approvals can take 24 - 48 hours. We will contact you within 20 mins of your enquiry to start the process
What types of finance do you offer?
What types of finance do you offer?
What types of finance do you offer?
Do I need to provide financial statements or business paperwork?
Do I need to provide financial statements or business paperwork?
Do I need to provide financial statements or business paperwork?
How much can I borrow?
How much can I borrow?
How much can I borrow?
How do I find the right car finance for me?
How do I find the right car finance for me?
How do I find the right car finance for me?
Can I refinance my loan?
Can I refinance my loan?
Can I refinance my loan?
Can I finance a used Jet ski, Boat, Caravan from a private seller?
Can I finance a used Jet ski, Boat, Caravan from a private seller?
Can I finance a used Jet ski, Boat, Caravan from a private seller?
What are residual or Balloon payments?
What are residual or Balloon payments?
What are residual or Balloon payments?
Become a Referral Partner
Earn rewards for connecting your clients with fast, efficient finance.
We work closely with a wide range of professionals who trust us to take great care of their clients. If your clients need finance — whether it’s for a vehicle, equipment, leisure asset or personal loan — we offer a seamless, no-fuss service with fast turnaround times and exceptional communication.
Who Our Referral Partners Are:
Real Estate Agents
Accountants & Bookkeepers
Licensed Dealers (all assets)
Business Advisors
Automotive & Marine Retailers
Mortgage Brokers
Become a Referral Partner
Earn rewards for connecting your clients with fast, efficient finance.
We work closely with a wide range of professionals who trust us to take great care of their clients. If your clients need finance — whether it’s for a vehicle, equipment, leisure asset or personal loan — we offer a seamless, no-fuss service with fast turnaround times and exceptional communication.
Who Our Referral Partners Are:
Real Estate Agents
Accountants & Bookkeepers
Licensed Dealers (all assets)
Business Advisors
Automotive & Marine Retailers
Mortgage Brokers
Become a Referral Partner
Earn rewards for connecting your clients with fast, efficient finance.
We work closely with a wide range of professionals who trust us to take great care of their clients. If your clients need finance — whether it’s for a vehicle, equipment, leisure asset or personal loan — we offer a seamless, no-fuss service with fast turnaround times and exceptional communication.
Who Our Referral Partners Are:
Real Estate Agents
Accountants & Bookkeepers
Licensed Dealers (all assets)
Business Advisors
Automotive & Marine Retailers
Mortgage Brokers
Want to become a referral partner?
Reach out today and we’ll set everything up for you.
Proud Supporter of the Great Cycle Challenge
Riding to fight kids’ cancer.
For the past seven years, MYIN Pty Ltd has proudly supported the Great Cycle Challenge Australia, with Monique Yukich riding to raise funds and awareness for children battling cancer. This sponsorship reflects our commitment to giving back and supporting causes that make a real difference in the community.
Ready to start your finance journey?
Let’s find the right finance option for you.
Fast approvals, clear, transparent service, finance made easy.
Ready to start your finance journey?
Let’s find the right finance option for you.
Fast approvals, clear, transparent service, finance made easy.
Ready to start your finance journey?
Let’s find the right finance option for you.
Fast approvals, clear, transparent service, finance made easy.