Option one
Buy with car finance
Six pages of forms. A hard credit pull that lingers for two years. A balloon payment in five. If your hours change or your visa changes, the loan doesn't care.
Long-term · 1–3 years · with optional buyout
A car you can rely on for the next three years. Maybe yours, at the end.
Built for rideshare drivers and international students. One flat weekly rate covers the car, the insurance, the servicing, the rego, and the roadside cover. No credit check. No upfront lump sum. At the end of your term, you can buy the car for a price we agree on day one — or hand it back.
- Reply from a real person within 48 hours
- No credit check · no impact on your credit file
- Rideshare permitted (Uber, DiDi, Ola, Bolt)
Why this exists
Most people who need a car have two bad options.
Option two
Rent by the day or week
Convenient for a weekend; ruinous for a year. The maths gets ugly fast — daily rates × seven is more than most weekly fleet rates, and you end the year with nothing to show.
Pacifi long-term
One flat rate. Everything in. Yours, if you want it.
A weekly rate that's cheaper than seven daily rates. Insurance, servicing, rego and roadside included. A real person reviews your application — your history matters more than a credit score. At the end, the car is yours for a price we agree on day one.
Built originally for the rideshare drivers who couldn't get approved at the dealership, and the international students whose visas didn't fit the bank's drop-downs. It works well for anyone who wants a car without the seven-year decision.
What's included
Six things in the weekly rate. Nothing in the post later.
Everything below is included in your flat weekly price. We've tried to be specific about caps where they exist, because hiding them is how rental contracts get a bad name.
Comprehensive insurance, via RACV
Fully comprehensive cover for the duration of your term. Standard at-fault excess is $850 (reduce to $0 for an additional $12/week). Glass, third party, theft, and natural events all covered.
Covers rideshare driving (Uber, DiDi, Ola, Bolt).
01
All scheduled servicing and maintenance
Every service the manufacturer recommends — log book servicing at 15,000km intervals, fluids, brakes, belts, batteries. We book it in, we pay for it. You drop the car off and we give you a courtesy car for the day.
Tyres included for normal road wear; we cover up to two replacements per year.
02
Registration and CTP
Your weekly rate covers Victorian rego renewal each year and the compulsory third party insurance that comes with it. You never get a rego bill in the post.
You drive on Pacifi plates — same as if you owned a leased fleet car.
03
24/7 roadside assistance
RACV Total Care across all of Australia. Flat battery in a Coles car park at 11pm, flat tyre on the Hume — one number, no extra cost.
Includes towing up to 100km to the nearest authorised service centre.
04
1,400 km per week of driving
Enough for daily rideshare shifts plus weekends. Roll over unused kilometres month to month. If you consistently need more, we offer a higher-km plan at $0.18/km — most drivers don't need it.
Excess kilometres charged at 35¢/km, billed monthly. No surprises — you see the count in your account.
05
Rideshare and delivery work allowed
Use the car for Uber, DiDi, Ola and Bolt — plus food delivery (Uber Eats, DoorDash, Menulog). Mention it in your application; it changes nothing in your weekly rate. The insurance is rated for it.
Not permitted for taxi work or unlicensed hire — that's a regulatory issue, not a Pacifi one.
06
The buyout option
Drive it for the term. Buy it for an agreed price. Or don't.
The buyout amount is fixed on day one and goes on the contract. It's not a balloon, it's not a residual you have to refinance, it's not negotiated at the end. The number you see is the number you pay, only if you want to.
Weekly rate$289/wk
Total paid over term$45,084
Keep it$14,800
Walk away$0
The longer your term, the lower the buyout amount — because more of the car's value has been amortised across your weekly payments. Three-year buyout is roughly 39% of the original purchase price. One-year is roughly 65%.
Apply for your specific quoteHow it works
Six steps. A real person at each one.
We deliberately don't have a 60-second-approval button. The application form is short, but the review behind it isn't automated — and that's the point.
- 01
Apply with basic details
Name, contact, licence, visa status if applicable, what you'd use the car for, which car you're interested in. Takes about 8 minutes. No credit check at this step, or any other.
- 02
A real person reviews it
Either the owner or one of our two long-term managers reads every application personally. Your driving history, your work, and your situation matter — not your credit score. We come back within 48 hours, either way.
The bit competitors automate. We don't. - 03
A 20-minute call to finalise
If your application is a fit, we set up a video or phone call. We answer your questions, agree on the term, agree on the buyout number, agree on a delivery date. No pressure — most people take a day to think.
- 04
Car delivered or picked up
We deliver to your home in Greater Melbourne, or you collect from Blackburn HQ. The car is fully prepared: rego, fuel for the first tank, two sets of keys, a printed copy of your contract.
- 05
Weekly payments start, you drive
Direct debit each Monday morning. You can pause for a week if you're unwell or out of the country — just tell us. We send a small statement each quarter so you know where you are on kilometres and your buyout balance.
- 06
At the end · buy it, or hand it back
Six weeks before your term ends, we email you the choice. Pay the buyout and we transfer the car into your name within five business days. Hand it back and we do a quick inspection — fair wear is fair wear, no surprises.
What it costs · three examples
Three cars. Three terms. Indicative numbers.
Real pricing comes back with your application — your specific car, your specific term. These three are popular enough that we've published them to save you a phone call.
Toyota Corolla Hybrid
5 seats · 4.5L/100km · the rideshare workhorse
| Term | Weekly | Buyout |
|---|---|---|
| 1 yr | $339/wk | $24,500 |
| 2 yrs | $309/wk | $19,200 |
| 3 yrsMost picked | $289/wk | $14,800 |
Toyota Camry Hybrid
5 seats · roomier · for longer airport runs
| Term | Weekly | Buyout |
|---|---|---|
| 1 yr | $379/wk | $28,800 |
| 2 yrsMost picked | $349/wk | $22,400 |
| 3 yrs | $319/wk | $17,900 |
BYD Atto 3 Electric
5 seats · 420km range · zero fuel cost
| Term | Weekly | Buyout |
|---|---|---|
| 1 yr | $369/wk | $27,200 |
| 2 yrs | $339/wk | $21,800 |
| 3 yrs | $319/wk | $17,400 |
Examples are illustrative, not committed prices. Final quote depends on the exact vehicle, your driving record, your residency status, and whether you opt in to the lower-excess insurance. We don't advertise gimmick rates we can't honour.
Who can apply
If you can drive in Victoria, you can probably drive with us.
We're particularly comfortable with international students and rideshare drivers — both groups get rejected for arbitrary reasons by other lenders. Below is what we actually need.
Age
- Minimum age 21
- No upper age limit
- Drivers under 25 may have a slightly higher insurance excess
Licence
- Australian licence (any state) — full or probationary
- International licence, plus an International Driving Permit if not in English
- Held a valid licence for at least 12 months
Residency
- Australian citizen or permanent resident — eligible for all terms
- Student visa (subclass 500) — eligible up to your visa expiry
- Working holiday or temporary work visa — eligible up to 2 years
- Tourist visa — short-term rental only, not this product
Documents to have ready
- Driver's licence (both sides)
- Passport or proof of residency
- Your visa grant letter, if applicable
- Recent payslip, bank statement, or letter from your university — anything that shows steady income or support
Not sure if you qualify? Apply anyway. We read every application — even the ones that look unusual on paper. Often the answer is yes, with a slightly shorter term or a different car.
Questions, answered
The ten most-asked, in order.
We get these on the phone every week. Saving everyone time by putting the answers here.
Speak to a human insteadGenuinely no catch — we don't pull a credit file at any point in the application. Instead, we use a refundable bond (usually 2–4 weeks of your weekly rate) and a real review of your driving history and current situation. If you default on payments, we recover the car. We can do this because the asset is ours until you buy it.
You can hand the car back at any point after the first 90 days. There's an early-termination charge of 4 weeks of your weekly rate, which is meant to cover our re-letting costs. No further obligation. We don't chase you for residual value or pretend you signed a lifetime lease.
Everything that comes from normal driving. Stone chips on the bonnet and windscreen, scratches under 25mm, light kerb-rash on a wheel, expected interior wear. We don't charge for these even after 100,000km. We do charge for dents you knew about and didn't report, cracked glass needing replacement, burns or persistent stains in the interior, and bald tyres beyond the included replacements.
1,400km/week is enough for most rideshare drivers — the average Pacifi long-term driver does about 1,100. If you go over, the excess is 35¢/km, billed monthly. Unused kilometres roll over month-to-month. If you consistently need more, we can switch you to a higher-km plan at $0.18/km, which is cheaper if you're running high.
Yes, once per term. There's a small administrative fee ($249) and your weekly rate is recalculated based on the new car. People typically swap when their circumstances change — a smaller car when their second kid leaves home, a bigger car when one arrives.
Call the police if needed, take photos, then call us. We handle the insurance claim end-to-end with RACV. If it's your fault, you pay the excess on your insurance tier ($0, $500, or $850 depending on what you chose). If it's not your fault, you pay nothing. We get you into a courtesy car within 48 hours if the repair takes longer than that.
Yes. One additional driver included at no extra cost. They need to fit the same age and licence requirements, fill out a one-page form, and be added to the insurance. Subsequent additional drivers are $8/week each. They can drive for rideshare too, as long as we know about it.
The weekly rate is a deductible business expense against your rideshare income — every dollar. We provide a quarterly statement formatted for your accountant or ATO submission. If you buy the car at the end of term, that becomes a depreciating asset on your books from that point on. We're not tax advisors, but we know enough drivers to know what your accountant will ask for.
A refundable bond, yes — usually 2–4 weeks of your weekly rate, calculated at application. The bond sits in our trust account, earns no interest for either of us, and is refunded within 14 days of you handing the car back or buying it out. No deposit toward the car itself — that's the point of this product.
Yes, anywhere in Australia. Tell us if you're going on a long trip so we can flag it on the insurance, and please don't take a car onto unsealed roads without checking with us first — some vehicles aren't insured off-bitumen.
Ready when you are
Start an application. We'll come back within 48 hours.
Takes about eight minutes. No credit check, no obligation, no hidden fee at the end of the form. Whatever your answer is, you'll have it by Wednesday.
No credit check
No card details required
Real reply, real person, real soon
Long-term plan · from $289/wk