FAQs

Can Unicorn Auto source me a particular car?

We are a bit different to most. With regards to cars 90% of what we do is source cars specifically for our approved customers. We have access to approximately 2000 cars per week in our dealer network for wholesale cars so can get pretty much anything you like. We also own a mechanical workshop so we check them over and know what to look for. View our current stock.

Can I come view a car in person?

Yes, you can come see a car by appointment. First, we recommend applying for finance and once you are approved and know your budget, we can organise you to come see your vehicle of choice. Apply for finance now.

Do Unicorn Auto know the vehicle history?

We don’t usually know the full history on these older cars as they often don’t have log books in them. However, we do a compression test, radiator pressure test, o2 Chem test and general check over in addition to a roadworthy and service to make sure they are sound before risking our reputation on them! We will only deliver a car we are satisfied with.

All cars come with a 1-3 month statutory warranty (pending eligibility), a Roadworthy Certificate, 6 months Rego, warranty upgrade options (up to 5 years) and a fresh service.

Is Unicorn Auto responsible for the costs of unforeseen maintenance or faults?

No. All of our vehicles that arrive go through a comprehensive check by our workshop, then have any repairs required completed, a service and a full detail. The day or two before it is due to leave, our workshop manager inspects each vehicle with a QC or quality check, ensuring that everything is working as it should. Any unforeseen faults are up to the customer to cover. Unfortunately, used cars will require more maintenance than new cars due to normal wear and tear.

Do you accept trade ins?

We do accept some trade ins. This would be discussed at approval stage when negotiating a car choice once your finance has been Pre-approved.

What documents do I need to apply?

The documents required may vary slightly depending on your circumstances. Normally you will need at least:

  • Privacy form (to give us permission to submit your application)
  • 3 months history of Bank statements
  • Centrelink Income Statement
  • Last 2 invoices/payslips

Learn more about supporting documentation.

How do I apply?

It’s really easy to apply, if you jump to our finance page you can click apply now.

Just type in all your basic info, upload your documents and submit it. Apply now.

Do Unicorn Auto control the interest rate and repayment amounts?

No, we don’t. Interest rates and repayments will vary depending on loads of things like price of the car, your employment history, banking conduct, residential history and credit file. The lenders set those terms based on an assessment of your individual application. We do however get the best rates available for your circumstances. Our brokers have access to multiple lenders and are highly competitive, with rates starting from 6% we will get the best deal available for your individual circumstances.

How much will my weekly repayments be?

To give you a rough idea, an $8-15k loan paid over 2-7 years could be between $70-120 per week. So quite a range depending on many variables. Ultimately you need to apply to find out what a lender would offer you.

How old do I have to be to apply for finance?

Australian Credit Law doesn’t allow us to provide loans if under 18, so unless you have a partner or parent getting a car loan for you, you will need to wait until you turn 18 and then we can help.

Do Unicorn Auto provide warranty with the vehicles?

All vehicles come with a 1-3 month statutory warranty (depending on what they are eligible for). We also offer Nation Wide Warranty options (up to 5 years extended coverage), and we are a Repco Authorised Repair Network Member.

Will I be eligible for car finance?

Finance eligibility varies depending on your individual circumstance. Below you can find general guidelines specific to different circumstances:

Bad Credit Car Loan Eligibility:

We specialise in second chance finance and have over 30 lenders on our panel. So if anyone can help, we can! As long as you don’t have an outstanding car loan, or debt to Money 3 (they are common issues), we could definitely give it a try and see how we can help.

To be eligible you need to receive a Pension or have been at your job 12 weeks or more earning $800 or more per fortnight you could definitely try applying.

If it’s possible to have any defaults you know of in a payment plan before applying that would also help your application.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement (If you receive Centrelink)

Single Parent Car Loan Eligibility:

If you are on a Single Parent Pension, you are eligible for up to $8000, loan term is capped at 3 years so repayments are generally around $95 per week.

If you think that’s affordable for you, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement (If you receive Centrelink)

ABN Worker Car Loan Eligibility:  (During COVID_19 ABN is not eligible) 

As long as you have held your ABN for 12 months or more, and have at least 12 weeks or more of banked income earning $800 or more per fortnight you could definitely try applying.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 invoices
  • Centrelink Income Statement (If you receive Centrelink)

Pension Holder Car Loan Eligibility: 

Pension Types: Single Parent, Partnered Parent, Family Tax, Aged Pension, Disability, Carers

If you are on a Pension, you are eligible for up to $8000, loan term is capped at 3 years so repayments are generally around $95 per week.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement

Centrelink Car Loan Eligibility:

Pension Types: Single Parent, Partnered Parent, Family Tax, Aged Pension, Disability, Carers

If you are on a Pension, and receive $800 or more per fortnight you are eligible for up to $8000, loan term is capped at 3 years so repayments are generally around $95 per week.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement

Family Tax Car Loan Eligibility:

If you are on a Family Tax Pension, and receive $800 or more per fortnight you are eligible for up to $8000, loan term is capped at 3 years so repayments are generally around $95 per week.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement

Carers Pension Car Loan Eligibility:

If you are on a Carers Pension, and receive $800 or more per fortnight you are eligible for up to $8000, loan term is capped at 3 years so repayments are generally around $95 per week.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Then it will take you to the second page where it will ask you to upload:

  • Privacy form (to give us permission to submit your app)
  • Last 2 bank statements
  • Centrelink Income Statement
  • Centrelink Income Statement

Second Chance Car Loan Eligibility:

We specialise in second chance finance and have over 30 lenders on our panel. So if anyone can help we can! As long as you don’t have an outstanding car loan, or debt to Money 3 (they are a common issue), we could definitely give it a try and see how we can help.

If you receive a Pension or have been at your job 12 weeks or more earning $800 or more per fortnight you could definitely try applying.

If it’s possible to have any defaults you know if in a payment plan before applying that would also help your application.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Can I apply if I am Bankrupt or in a Part 9 Debt Agreement?

In order to be eligible for finance while in a part 9 you need to be at least 50% of the way through, have perfect repayment history and be working at least 3 months. If that is the case for you, please pop in an application on our website www.unicornauto.com.au/finance

If you are currently Bankrupt, unfortunately you are not currently eligible. Once your Bankruptcy is discharged then you are able to try for finance again.

Can I apply if I am in Australia on a VISA?

While we would love to help in all circumstances, we can only rarely assist with Visa applicants. Currently you need to be on a Partner VISA or Working VISA to be considered. No other VISA type is accepted.

Your Visa end date has to be at least 2 years from application date in order for a lender to approve a car loan. And you have to have been working 3 or more months earning $400 or more per week and meeting your Visa conditions.

If yes to all of the above, apply now, it is really easy. Just type in all your basic info and submit it.

Are International Students eligible to apply for finance?

Unfortunately, Student VISA’s are not accepted by any of our lenders. You must be on a Working VISA or Partner VISA and have at least 2 years left on your VISA to be eligible.

Can I apply if I am receiving Newstart, Youth Allowance or Job Seeker?

If you also receive an additional payment type (like family tax or a casual job) you may be eligible. Your other income, however, needs to generate $800 or more per fortnight and jobs need to have been 6 months or longer.

Unfortunately, on its own Newstart/Youth Allowance/Job Seeker/ Job Keeper isn’t considered by any lender as it’s a form of unemployment and isn’t a stable income, and doesn’t meet their minimum income guidelines.

If you think you are eligible, apply now, it is really easy. Just type in all your basic info and submit it.

Do you accept Car Trade In’s?

We do accept some trade ins. This would be discussed at approval stage when negotiating a car choice once your finance has been Pre-approved.

If you require Finance, please apply now.

Where are you located?

We are located in Brisbane and we ship Nationally we sell A LOT of cars all over Australia.

We also offer Nation Wide Warranty, and we are a Repco Authorised Repair Network Member. Most customers either fly/catch the train to Brisbane then drive their car home, or you can order transport to deliver it to you.

Our address is: 1B Helium St, Narangba QLD by appointment.

Apply for car finance today