Licensing & Rates
Licensed NSW Pawnbroker
Hock a Car 4 Cash is a licensed pawnbroker , money lender and second-hand dealer operating in New South Wales under licence number 2PS504381.
We provide loans against vehicle-backed in accordance with NSW pawnbroking regulations.
Vehicle Pawn Loans
Hock a Car 4 Cash provides short-term loans secured against vehicles and motorcycles.
Unlike traditional lenders, our loan process focuses on the value of the vehicle being used as security rather than your credit score or financial history.
Key points include:
- Loans are secured against your vehicle
- No traditional credit checks
- No bank-style approval process
- Loan amounts are based on vehicle value
- Cars and motorcycles of all types
- Loans paid in cash or bank transfer
How the Process Works
To apply for a loan, customers generally provide:
- Identification documents
- Proof of vehicle ownership
Once the vehicle is assessed, a loan amount will be offered based on the market value, make, model, and condition of the vehicle.
Loan Terms & Conditions
Standard loan contracts are typically written for a period in line with pawnbroking regulations.
However, customers may have the option to:
- Repay the loan earlier
- Extend the loan term if required
- Choose flexible repayment
Additional terms may apply for extended loan periods.
Important information:
- Loan terms begin from one month
- Interest applies loan period
- Vehicles remain securely stored until repayment is completed
- The vehicle is returned once the loan is paid
Repayment Options
Hock a Car 4 Cash offers flexible repayment arrangements.
Customers may choose to:
- Repay monthly
- Repay in full at the end of the loan term
- Finalise the loan early
Interest Rates
Loan rates depending on:
- Vehicle type
- Vehicle value
- Loan amount
General rate information:
- Monthly rates may range from 5% depending on the loan amount
- Different loan amounts and repayment periods may result in different rates
For exact repayment details, customers should contact Hock a Car 4 Cash directly for an assessment and quote.
Loan Extensions & Early Repayment
Customers who need additional time may request a loan extension.
Early repayment is also available, and customers are only charged for the period the loan remains.
Contact Hock a Car 4 Cash
If you would like more information about licensing, repayments, or vehicle loan terms, please contact Hock a Car 4 Cash directly via phone.