Licensing, Rates & Fees
Licensed NSW Pawnbroker
Hock a Car 4 Cash is a licensed pawnbroker and second-hand dealer operating in New South Wales under licence number 2PS504381.
We provide vehicle-backed cash loans in accordance with NSW pawnbroking regulations.
While pawnbroker services are generally exempt from the National Consumer Credit Protection Act 2009, other applicable Australian laws and consumer protections may still apply.
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 and condition
- Cars and motorcycles may be accepted
- Funds may be paid by cash or bank transfer
How the Process Works
To apply for a loan, customers generally provide:
- Identification documents
- Proof of vehicle ownership
- Vehicle details and assessment information
Once the vehicle is assessed, a loan amount may 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 three-month 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 timing
Additional terms may apply for extended loan periods.
Important information:
- Loan terms generally begin from one month onwards
- Interest and fees apply only for the active loan period
- Vehicles remain securely stored until repayment is completed
- The vehicle is returned once the outstanding balance is paid in full
Repayment Options
Hock a Car 4 Cash offers flexible repayment arrangements depending on the loan agreement.
Customers may choose to:
- Repay monthly
- Repay in full at the end of the loan term
- Finalise the balance early without additional penalties
Interest Rates & Fees
Loan rates and fees vary depending on:
- Vehicle type
- Vehicle value
- Loan amount
- Loan duration
General rate information:
- Monthly rates may range from 5% to 20% depending on the loan agreement
- Maximum annual percentage rates may apply in accordance with the agreed contract terms
- Different loan amounts and repayment periods may result in different comparison rates
For exact pricing, fees, and 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, subject to approval and updated terms.
Early repayment is also available, and customers are only charged for the period the loan remains active.
Contact Hock a Car 4 Cash
If you would like more information about licensing, fees, repayments, or vehicle loan terms, please contact Hock a Car 4 Cash directly through the website or by phone.