We make asset finance crystal clear

CarClarity is Australia’s first fully online car loan and asset finance platform, designed to make the finance process simple, transparent, and stress-free.
From cars, boats, and jet-skis to trucks, equipment, business loans, and even personal loans for renovations or holidays, we help Australians secure the right finance with ease.
With our smart technology and customer-first approach, CarClarity delivers a faster, safer and more transparent experience - saving you time, money, and headaches along the way.

Our Story

Making car finance feel human
At CarClarity, we believe buying something you love -whether it’s a car, boat, jet-ski, or even new business equipment - should feel exciting, not overwhelming. Too often, customers are treated like just another number in a queue. Competitors chase high volumes of leads, filter out the few that might work, and leave everyone else feeling confused or declined.

We decided to do things differently. 

Every customer matters to us
Take Sarah, for example. She came to us after being turned away by a big bank that pushed her through a one-size-fits-all process. She just wanted a reliable SUV for her family, but kept getting told “computer says no.” When Sarah reached out to CarClarity, we spent the time to understand her situation and not just her credit score. Within days, she was matched with the right lender, approved with confidence, and driving away in her new car.

Stories like Sarah’s aren’t the exception, they’re the rule. 

Why CarClarity is different
We don’t believe in flooding lenders with leads and hoping some stick. Instead, we focus on care, and getting it right the first time.That’s why our customers are far more likely to end up settled and satisfied compared to industry averages.

Because behind every loan is a person, a family, or a dream- whether that’s upgrading to a new car, getting a boat loan for weekends on the water, securing a line of credit or business loan to help a business grow, or financing equipment to keep things moving.

CarClarity exists to bring back what’s been missing in asset finance: clarity, trust, and genuine care for the customer.

Headshot of Zaheer Jappie - Chief Executive Officer

Zaheer Jappie – Chief Executive Officer

Zaheer brings over 16 years of experience in financial services, with a career spanning leading fintechs and lenders. Before founding CarClarity, he played a key role in building the asset finance channel at a major lender, helping thousands of Australians access better finance solutions.

As a lifelong car enthusiast, Zaheer saw first-hand how complicated and confusing the finance process was for everyday customers.Identifying the lack of transparency and accessibility in car and asset finance, he set out to create a simpler, smarter, and more customer-focused platform. His vision for CarClarity is to make finance easy to understand, accessible to everyone, and delivered with genuine care.

Headshot of Elias Istanbouli - Chief Operating Officer

Elias Istanbouli – Chief Operating Officer

Elias holds a Master of Actuarial Studies and a Bachelor ofAdvanced Mathematics, bringing more than a decade of expertise in analytics, data science, finance, and risk. Prior to CarClarity, he was Head of RiskInsights & Solutions at Prospa where he built the company’s core credit decision engine and lending policies from the ground up, integrating advanced machine learning and predictive analytics to power smarter decisions.

With a strong background in credit and financial risk, Elias has also worked extensively in advisory roles across data science, mathematics, statistics, and risk management. His combination of technical depth and commercial acumen drives CarClarity’s innovation in decisioning, technology, and operational excellence. This ensures customers are matched with the right finance quickly and with confidence.

Head shot of David Fahim - Chief Commercial Officer

David Fahim – Chief Commercial Officer

David has more than 19 years of experience in financial services, with a career focused on bridging the gap between technology solutions and customer outcomes. He has held leadership roles in some of Australia’s most successful fintechs including Prospa where he was Head of Customer Operations, as well as senior roles at Seek and Flexigroup.

Passionate about customer experience, David ensuresCarClarity delivers on its promise of transparency and simplicity. His deep knowledge of fintech operations and customer engagement helps shape a platform that not only provides Australians with better access to car and asset finance, but also ensures every customer feels supported from start to finish.

Our story

Zaheer, Luke and David as the founding team of CarClarity have experienced first hand the pains and hassles that come along with applying for car loans through traditional ways, and the heavy amount of paperwork and time it takes to get a suitable loan approved. They wanted to find a better way, make a difference and from this, CarClarity was born.

CarClarity was started in 2020 with a vision to change the way customers' experience car buying using a digital platform that makes choosing a car loan easy.

The team incorporates great engineering and smart technology with a customer focused culture to deliver a world class service.
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