Hey two quick. How are you?
Welcome aboard buddy.
Dont ever go for personal finance. Its no good. Interests is just way too high and their service is useless.
Its like having a credit card with 20000 to spend.
You are better off applying for a personal loan at the bank.
A secure loan is easier usually as they attach the loan to the car you are buying.
A unsecure loan is probably better as they dont attach the car to the loan just in case.
Westpac and St George seem to be the most two helpful banks around.
You should have some savings or equity of some sort. if you dont just use your parent and pretends its yours.
If you are young and eager to get a car. maybe you should wait as having a personal loan isnt easy. Monthly payments sound easy but I can promise there will be times you will get caught short due to unforseen things popping up.
Good luck anyway champ.
Minh