FAQ

Your questions, answered.

Everything you need to know about how DepositBuilder works.

Is DepositBuilder a car loan?

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No. DepositBuilder is a vehicle subscription program. You rent a quality vehicle from Fresh Start Cars while a portion of your payments is set aside towards a future deposit. When you're ready, we introduce you to finance partners to purchase a vehicle outright.

Do I need a deposit to start?

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No deposit is required to start driving. That's the whole point — we help you build one through your weekly payments.

How long does the program run?

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Most customers stay on the program for 6 to 24 months. The longer your payment history, the stronger your finance application.

Can I apply with bad credit or a previous decline?

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Yes. DepositBuilder is specifically designed for customers who have been declined elsewhere, have limited credit history, or are recovering from past credit issues.

What if I'm self-employed?

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DepositBuilder is a strong option for self-employed Australians. Your consistent on-time payments become real evidence of affordability that lenders can verify.

Who owns the car during the program?

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Fresh Start Cars owns the vehicle while you're on the program. When you transition to finance, you choose a vehicle and apply with your built-up deposit and payment history.

What's included in my weekly payment?

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Use of the vehicle, registration, roadworthy and servicing support are managed by Fresh Start Cars. A separate portion of your payment is allocated to your deposit.

Is finance approval guaranteed at the end?

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No. DepositBuilder dramatically improves your finance position by giving you a deposit and a proven payment history, but final approval is always at the lender's discretion.

Who is behind DepositBuilder?

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DepositBuilder is powered by Fresh Start Cars, an Australian used-vehicle specialist. Fresh Start Cars handles vehicle sourcing, preparation, registration, servicing and delivery.

Still have questions?

Apply now and our team will walk you through your options.

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