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.

Apply for a quote See how it works

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 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.

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).

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.

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.

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.

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.

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.

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

Locked in for 3 years

Total paid over term

$45,084

156 weeks · all-inclusive

Keep it$14,800Pay fixed buyout · car is yours

Walk away$0Hand keys back · no further obligation

Buyout 39% of new

New: ~$38,000End of term: $0 to you

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 quote

How 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.

Start an application No credit check · reply within 48 hours

What it costs · by class

Pick a class. We'll quote the term.

Any class can go long-term. Apply for the one you want and real weekly + buyout numbers come back for your specific term — 1, 2 or 3 years.

Compact

Prices above are the short-term daily rate. Long-term pricing is illustrative until your application comes back — 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 instead

Genuinely 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.

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.

Apply for a quote I have one more question

No credit check

No card details required

Real reply, real person, real soon

Long-term plan · from $289/wk

Apply

A car you can rely on for the next three years. Maybe yours, at the end.

Most people who need a car have two bad options.

Buy with car finance

Rent by the day or week

One flat rate. Everything in. Yours, if you want it.

Six things in the weekly rate. Nothing in the post later.

Comprehensive insurance, via RACV

All scheduled servicing and maintenance

Registration and CTP

24/7 roadside assistance

1,400 km per week of driving

Rideshare and delivery work allowed

Drive it for the term. Buy it for an agreed price. Or don't.

Six steps. A real person at each one.

Apply with basic details

A real person reviews it

A 20-minute call to finalise

Car delivered or picked up

Weekly payments start, you drive

At the end · buy it, or hand it back

Pick a class. We'll quote the term.

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