Frequently Asked Questions

We understand you have some immediate concerns when it comes to applying for car finance, especially when you are applying for a vehicle loan online. That's why we made the effort to answer the most common questions you may have, regarding your car finance application.

However, if your concern is not addressed here you can contact us directly for further assistance.

Is applying for car finance online safe?

Yes, the online application form is secure and encrypted which ensures external sources cannot access your personal information. Please refer to the privacy statement located in the bottom right hand corner of the screen for further information.

How long will it take to approve my car finance application?

Usually by the next working day so if you apply on Monday you can expect to hear from us on Tuesday.

Can I make my payment by Credit Card?

No. You’re not able to use another credit facility to pay an Esanda contract directly. Similarly, Direct Debits are not available from credit cards at this stage.

Why do I have to comprehensively insure my car?

The terms and conditions of your contract require that your vehicle be comprehensively insured at all times.

You must make sure that your Insurance Company is aware that the vehicle is under finance with Esanda.

How do I make repayments?

You can make payments using any of the following methods:

Direct Debit

You can establish a Direct Debit Request with any Australian bank account by simply filling in a Direct Debit Request Form and returning to Esanda. There are no charges from Esanda, although some banks may charge a processing fee on direct debits. Please check with your bank regarding their fee structure.

Direct Debit Forms can be downloaded from Esanda’s website or we can mail or fax them to you. We do however, require the original signature of the signatory to the Account from which you wish to establish the Direct Debit.

It is your responsibility to have funds available in your bank account to be drawn on the contracted dates. Any dishonour fees charged by your bank or the late cancellation of a Direct Debit fee will be incurred by you and unfortunately cannot be refunded by Esanda.
Periodical Payment

Periodical Payment Authorities are standing authority arrangements made directly with your bank. This authorises your bank to make payments directly from your account on specific dates.

We are unable to vary Periodical Payment Authorities, as only you can give these directions to your bank. Any variation (including cancellations) must be made at your own bank branch.

A Periodical Payment Authority can be set up with your bank to make payments directly to your Esanda contract. You'll need to supply your bank with the complete BSB and Account number of your contract as shown on your payment booklet. You must also be able to guarantee that your instructions to the bank will enable your payments to be received by the due date of the payment.

Periodic Payments may incur charges from your bank. Please check with your bank regarding their fee structure.
BPAY Esanda's Biller code is 3400.BPAY payments may be made via your financial institutions phone or Internet banking facilities. BPAY payments may be made to your Esanda contract using the Biller Code 3400. Your account number is your complete contract number including the BSB and contract number as shown on your payment booklet. For example, 013 009 353123123.
Internet Banking You can use your bank’s internet banking facility to make payments via BPAY, or by using the "pay anyone" facility. Your contract number consists of a BSB or branch number and account number. For example, BSB- 013 009 and Account/Contract Number – 353123123.