Melbourne based · Australia wide
Knocked back for finance?You're not out of options.
A decline usually means you went to the wrong lender, not that you can't be financed. John Karlaganis has spent 15 years placing car, caravan, bike, boat and commercial loans with 30+ lenders — including the ones that actually look past a default.
- Defaults, discharged bankrupts and thin files considered
- Self-employed with no current financials — low doc options
- One conversation, then we only apply where you'll be approved
Rated 5 stars by Melbourne borrowers — read the reviews
See what you qualify for
Three questions. No credit check. John calls you back.
- lenders on panel
- 30+lenders on panel
- years in finance
- 15+years in finance
- online application
- 5 minonline application
- month terms
- 12–84month terms
30+ lenders on panel, including
Who we get approved
A default isn't a dead end
Banks run one policy. We run thirty. If your file has something on it, the job isn't to convince a lender to bend — it's to know which lender already says yes to it.
Paid or unpaid defaults
A default on your file doesn't end the conversation. We know which lenders on our panel price them in and which ones won't look.
Discharged bankrupt
Once you're discharged there are lenders who will consider you. We go to those first instead of putting you through a decline.
Self-employed, no financials
Low doc commercial options for business owners without current tax returns. Bring what you have and we'll work with it.
Casual, part-time or Centrelink
Full-time work isn't the only way to show capacity. Regular income from shares, Centrelink or self-generated earnings can count.
Not sure where you sit? Ask John — it costs nothing to find out
How it works
Three steps, one phone call
STEP 01Tell us three things
Your name, your number and roughly what you want to borrow. That's the whole form — no credit check, no obligation, nothing that touches your file.
STEP 02John calls you back
A real conversation about what you're buying and what your file looks like. Then we shortlist the lenders on our panel most likely to say yes.
STEP 03We do the paperwork
We package the application, chase the lender and keep you posted. Approvals can land the same day, with funds disbursed within 24 hours of settlement.
What we finance
If it has wheels, a hull or an ABN
“I thought I had 0% chance”
Real reviews from people John has placed. Most of them came to us after being told no somewhere else.
One of the Best finance companies I've used. Helped me a lot even when I thought I had no chance of getting a car loan from them. In my mind I really had 0% chance of getting anything but after I talked to John Karlaganis He helped me out and I got what I was after at the end. Will absolutely recommend to anyone I know that needs help in the future.
John is absolutely amazing.. made the process of applying for car loan soo easy.. very professional and so helpful and supportive. At times when I doubted my application he assured me he would work on the process and inform me asap and that he did. My family needed a car desperately and you made the process so stress less for me.
John got me a loan for my car. I had a few things that went against my application, but John went through the process of using the right channels to get me a loan that was affordable and flexible. I would highly recommend John's professional experience if you require a loan! 10 stars out of 5!!!!!
John did my car finance process quickly, smoothly and he is also supported and gave best options of finance. I definitely refer his reference to another guys for a finance.
They are really professional in their job. Had a great experience with John.
Who you'll deal with
You get John. Not a call centre.
I'm John Karlaganis, owner and broker at Finance4Less. Fifteen years in asset management, equipment and finance, plus time inside car dealerships — so I know how the paperwork gets assessed on the other side of the desk.
That matters most when your file isn't textbook. Every application you lodge leaves a mark, so the point of the first call is to work out where you actually stand before anything is submitted anywhere.
- 30+ lenders on panel — bank, non-bank and specialist
- 15+ years across asset management, equipment and finance
- Authorised credit representative under ACL #511803
Straight answers
The questions we get asked
Yes. A default, a discharged bankruptcy or a thin file doesn't automatically rule you out — it changes which lender you should be applying to. With 30+ lenders on our panel we shortlist the ones that actually consider your situation, so you're not collecting declines that mark your file.
Yes. You still need to show proof of income — that can be regular income from shares, Centrelink payments or self-generated income — because that's how we establish your capacity to repay. We also offer low doc commercial loans for self-employed people without current financials.
You need to be at least 18, an Australian citizen or permanent resident (or a non-resident on an acceptable visa), and have stable income — full-time, permanent part-time and casual employees all qualify.
The application takes about five minutes online and approvals can come back the same day. Once the application settles, funding is disbursed within 24 hours.
Sending this form doesn't touch your credit file — it's a phone number and a rough amount so John can call you back. Nothing is submitted to a lender until you've spoken to him and agreed on which one to approach.
Nothing to talk to us. Finance4Less is paid by the lender when a loan settles, and any commission or fee is disclosed to you in writing in your credit quote before you sign anything.
Find out where you standbefore you apply anywhere
One call tells you what's realistic and which lender to go to. No credit check, no obligation, and nothing lodged until you say so.
0412 538 203Or send the form and John will call you.
Get my call back
Three questions, about thirty seconds.