Monique Yukich
About Efficient Finance

About Monique

With over 20 years in the motor industry, 10 years in asset finance- the time has come for Monique to build her dream vision. With a creative background she doesn't want buying your dream car or caravan to feel like a chore, not understanding the finance rules, regulations, parameters therefore feeing that you have been duped.

Monique's vision is simple: to deliver & create a seamless enjoyable experience so others can live their dream life knowing they have been looked after. Less fuss no hassle.

It's about transparent, efficient work ethic. Genuinely focused on securing the best lender for each clients situation so everyone can live their dream life sooner.

Based in NSW Central Coast to Newcastle is where home is. Monique is contactable either phone, what's app/video call. If your local could even meet for coffee.

Trusted by Australia's leading lenders

0+

Years Finance Lending Expertise

0+

Years Motor Industry Experience

0+

Lenders Compared for Every Application

FAQs

Questions? We've got the answers.

Most approvals can take 24 - 48 hours. We will contact you within 20 mins of your enquiry to start the process

We specialise in Consumer & Business Finance, Personal Loans, Re-financing and Novated leases

Not always. Many lenders offer low-doc or no-doc options, especially for personal and vehicle loans. We'll let you know exactly what's needed when we chat.

The amount you can borrow for car finance depends on several factors, including your income, credit profile, existing financial commitments, and the value of the vehicle.

Lenders evaluate your ability to repay by reviewing your overall financial situation and typically set borrowing limits as a percentage of the car's value.

Our goal is to connect you with an expert finance broker who will take the time to understand what you want to purchase, your goals, personal circumstances, income, and expenses.

With this information, they can prepare a tailored preliminary assessment and present car finance options that align with your budget and financial objectives.

Yes, Absolutely -We must take into account that it works in your favor. ie. To lower your repayments

Yes, we can assist with private sales as well as dealership purchases. We'll handle the paperwork, verify the seller if required, and work with the lender to make the process smooth and secure

Residual values and balloon payments are lump sums payable at the end of a car, caravan, boat etc finance term. Selecting this option reduces your monthly payment defering a portion of the loan to the end of the term.

Both options can lower your ongoing repayments, but you'll need to manage a larger final amount, which you can choose to pay out, refinance, or cover by selling or trading your asset.

Ready to start your finance journey?

Let's find the right finance option for you.
Fast approvals, clear, transparent service, finance made easy.