RealityEnterprises is an Australian-owned company based in Melbourne since 2012, specializing in assisting individuals, families, and business owners who have adequate income but struggle to secure conventional financing due to factors such as the nature of their employment, poor or limited credit history, or visa restrictions.
At RealityEnterprisessa, we conduct credit checks to meet our Responsible Lending obligations. However, we recognize that the workforce landscape has evolved. Many families now have multiple sources of income, with individuals working part-time or casual jobs, or even juggling two jobs. You might also be a single parent with a stable income, or have recently become self-employed.
If you’ve been excluded from traditional financing options offered by banks and auto lenders for reasons such as:
We aim to support individuals in this situation by focusing on your current financial standing, rather than dwelling on past issues. Our goal is to responsibly assess whether you can afford the vehicle payments.
You can apply by submitting an enquiry through the online form or by calling us at 1300 591 811. Alternatively, feel free to visit us in person to explore our stock and test drive the vehicle you’re interested in.
Once you’ve expressed your interest, we’ll send you a one-page application form. Please also provide the following minimum documents:
If you need further clarification on what’s required, don’t hesitate to reach out to our friendly team for assistance.
Our deposits for most of our range begin at $1,500 for most used cars or mid-sized new cars. We offer the flexibility to pay a larger upfront deposit if you prefer, helping to lower your weekly or fortnightly payments or shorten the duration of your contract.
You are responsible for covering the maintenance of your vehicle (excluding the capped price service offer for any new car), as well as vehicle registration renewals, fuel, and tolls.
After you’ve finished your weekly or fortnightly payments, you’ll be able to take ownership of your vehicle and complete your contract.
We don’t require any balloon payments or ask for a market value price for the car at the end of your term. To exercise your option to own the vehicle, all that’s needed at the end of your term is to provide a Road Worthy Certificate and pay any applicable government fees for transferring the car into your name.
Full Comprehensive Insurance for your vehicle is required at all times during the term of the contract.
We provide our customers with access to our fleet insurance scheme, which is underwritten by a well-established and reputable insurance company. We can offer insurance quotes once we have received your personal and driving information.
You can pay off the car as quickly as you wish without facing any penalties.
