OCEAN Lending / Car finance
Your new BYD or Mercedes-Benz. Finance that fits your life.
We look outside the box for car finance. By reviewing your full financial position, we can help you explore suitable options and decide what works for you.
A warm welcome to customers introduced through our relationships with BYD and Mercedes-Benz Geelong.
A little more thought. A bigger picture.
Your car finance should fit the rest of your life.
A new car is exciting. Choosing how to pay for it deserves a proper conversation.
We take the time to understand your income, expenses, existing loans and future plans. Then we explore suitable lenders and loan structures available through our panel.
Thinking outside the box means considering your circumstances carefully and explaining the choices clearly, including the repayments, fees, loan term and total cost.
Let’s explore your optionsWhat goes into your finance review?
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Your day-to-day budget
Your income, expenses and the repayments you could comfortably manage.
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Your existing finance
How a new car loan would sit alongside your home loan and other commitments.
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The whole cost of the loan
Interest, fees, the loan term, any balloon payment and early payout conditions.
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Your plans for the car
Personal or business use, your deposit and how long you expect to keep the vehicle.
Meet OCEAN Lending
Local people. Personal support.
Based in Torquay, OCEAN Lending helps individuals, families and business owners with their lending needs. We’re a small, approachable team who take the time to understand your situation and make the next steps clear.
Scott Prosser
Owner, Director & Broker
Scott brings experience across home, business, vehicle and equipment finance, with a practical approach to how your lending fits into your wider plans.
Clare Smith
Broker & Client Services Manager
Clare draws on her background in business and financial management to help clients understand their options and feel comfortable with the finance process.
A straightforward start
From first chat to your next step.
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Tell us about your car
Complete our contact form or book a time. Let us know the vehicle you’re considering and what you’d like help with.
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We review your position
We discuss your circumstances and compare suitable finance options, explaining the costs, features and trade-offs.
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You decide what suits you
If you choose to proceed, we help with the application and guide you through the lender’s approval and settlement requirements.
Before we chat
A few things you might be wondering.
What should I put in the contact form?
Your name, contact details and a short message are a great start. Mention BYD or Mercedes-Benz, the model or approximate price if known, and whether it’s for personal or business use. We’ll explain what else is needed when we speak.
Do I need to have chosen my car?
No. We can have an initial conversation while you’re still exploring. Any finance approval will depend on the lender’s requirements, your circumstances and the vehicle you choose.
Can you review my other lending as well?
Yes. We can discuss your home loan and other lending as part of understanding your overall position. We’ll explain any options relevant to your goals so you can make an informed decision.
Your next car starts with a conversation
We look forward to helping you into your new BYD or Mercedes-Benz.
Tell us a little about yourself and the car you’re considering. We’ll help you understand your finance options and the next steps.
This page contains general information only. Finance is subject to your circumstances, lender assessment and approval. Lending criteria, terms, conditions, fees and charges apply. An enquiry does not constitute a loan application or guarantee approval.
OCEAN Lending provides finance broking services. View our Privacy Policy .