Justin Lister Ezilend CarCity Ringwood Finance Broker
Ezilend Ringwood

Justin Lister

Get a loan with Justin Lister

Hi, I’m Justin. I joined Ezilend in 2018 and have over 20 years of experience in the finance industry and in the motor trade. I have extensive knowledge of all aspects of asset lending and work out of the Ezilend Ringwood office. As well as a love of finance, I am a father of six children and, in my spare time, I enjoy motorcycling and a cold beer. Looking for experience? Give me a call!

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Loan Details

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$ A balloon payment is a larger payment at the end of the contract which will help reduce your monthly payments. It can be a maximum one-third of your total loan amount.

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You’re applying for personal loan for $ 5000

Calculator Disclaimer: This loan repayment / calculator simulation is not an offer and has no legal effect on any contracts entered into by you 'the client', this simulation and the resulting calculations 'DO NOT CONSTITUTE A LOAN APPLICATION or OFFER'. It is a rough guide only for the purpose of ease in simulation. All interest rates displayed 'are guides ONLY', repayments as a result of this simulation have no legal offering, other benefits are based on a personalised applications, credit worthiness and other assumptions do apply.

The comparison rate is based on a personal secured loan of $30,000 over 5 years. The comparison is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates are current as at June 3, 2022 and vary due to credit score, loan purpose. Amount and subject to change. Ezilend is a trading name of Nationwide Finance and Loans Pty Ltd Australian Credit Licence number 452913.

*Rate subject to credit criteria and loans over $100,000.

Australian Credit License Number 452913
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Christopher Subaru Liberty Ezilend Car Finance Cristopher's Subaru Liberty Cristopher's Subaru Liberty Newcastle Vehicle Exchange of New Lambton NSW "Thank you Ray from Ezilend Newcastle, you made the whole process so easy, from talking to you on Sunday afternoon, I was then driving away the next day, amazing service."
Jenn Conias Review Jenn's New Chery Omada Jenn's New Chery Omada Finance: Katica, Ezilend Sunshine Coast "Absolutely thrilled with the service provided by Katica and the Ezilend team. My experience was easy, efficient and very friendly. I highly recommend!"
Image Hayley Pratten's New Mazda Hayley Pratten's New Mazda Finance: Katica, Ezilend Sunshine Coast "Thank you thank you thank you Katica, this wouldn't have been possible without you. I'm so happy and love my new car so much."
Karama_Kia_Testimonial_20230523_092324 Karama's Kia Karama's Kia Finance: Katica, Ezilend Sunshine Coast "Hi Katica, finally got the car today. Thank you thank you once again for making this happen. Very much appreciate your help. I have stored your contact details!"
Elita_MG_Testimonial Elita's MG Elita's MG Finance: Katica, Ezilend Sunshine Coast "Professional, knowledgable and super friendly! Wouldn't hesitate to recommend Katica to anyone, family or friends. Thank you :)"
Branka-New-Car-Selfie Branka's Holden Commodore SS Branka's Holden Commodore SS Finance: Katica, Ezilend Sunshine Coast "Thanks so much Katica for all your hard work in making the impossible become possible. You are a true professional and genuinely care about your customers. I can’t thank you enough for making our dreams come true. We will definitely be in contact again for any financial needs."
Emelys-New-Car-Selfie Kristie's Hyundai Tuscon Wagon Kristie's Hyundai Tuscon Wagon Dealer: Wollongong City Motors, Introduced by Tony at Coastwide Cars. Finance: Ezilend Newcastle ""Ray was so helpful in the entire process. He made buying a new car a breeze and I was extremely happy with the level of professionalism.""
Summerset Truck Summerset Constructions' New Tipper Truck Summerset Constructions' New Tipper Truck Pomona QLD "Summerset Constructions takes delivery of a new tipper bin truck to handle their increased workload. Managing Director Chris Bosotas is a happy man after his 5th purchase with the help of Ezilend."
Emely’s New Car Selfie Emely's Suzuki Swift Hatchback Emely's Suzuki Swift Hatchback Dealer: Newcastle Vehicle Exchange, New Lambton NSW. Finance: Ezilend Newcastle "Thank you so much Ray for your dedication in making my dream come true, helping me with your knowledge even after hours. A BIG thanks to you!"
Mark 2013 Hyundai i30 Premium 1.6 CRDi Hatch Mark's Hyundai i30 Mark's Hyundai i30 Dealer: Coastwide Cars of Tuggerah NSW. Finance: Ezilend Newcastle. "Thank you Ray from Ezilend Newcastle, not only did you take my application on a Public Holiday and had it approved the next day, you guided us through what paperwork was needed and made the whole process easy."
Cliffs-2012-Ford-Falcon-XR6 Cliff's Ford Falcon XR6 Cliff's Ford Falcon XR6 Dealer: Coastwide Cars, Tuggerah NSW. Finance: Ezilend Newcastle. "Shout out to Coastwide Cars and Gayle from Ezilend Newcastle for giving me the chance on a fresh new car, nicest people ever! Highly recommend these guys...."
Alex-Commodore1 Alex's New Commodore Alex's New Commodore Dealer: Coastwide Cars, Tuggerah, NSW. Finance: Ezilend Newcastle "Thanks for the quick 24 hour turnaround, very dedicated and fast service, keep it up, and special thanks to Gayle for helping to get my financing over the line."
David-Ryan-with-kids-in-the-boat David's New Stabicraft David's New Stabicraft Sunshine Coast, QLD "Hi Ezilend, thanks for helping us purchase our boat - we couldn’t have done it without you! Special shout out to Tiffany Pringle who made the process seamless!!"
Maria-Cosmos-Yellowfin-Boat Maria's 2020 Quintrex Yellowfin Maria's 2020 Quintrex Yellowfin Brisbane, QLD "Hi Katica, Thank you for all your help! You made our dreams become a reality!"
jack-patrol Jack's Nissan Patrol Jack's Nissan Patrol Proserpine, QLD "A big thank you to the team at Grittner Nisssan, great service from Steve and Brenton for My new Patrol"
Joel-Bosch-2016-Holden-Commodore-SS-V-Redline-Sportswagon Joel's New Holden Commodore SS-V Sportswagon Joel's New Holden Commodore SS-V Sportswagon Liverpool, NSW "A massive, massive thank you to Ray from Ezilend Newcastle. He went well and truly above and beyond to get my new SS Wagon in such a short turn around. This is my 3rd time using Ray and I won't ever use anyone else. Thanks again!"
Noel-Leanne-Isuzu Noel & Leeanne's New Ute Noel & Leeanne's New Ute Brisbane, QLD "You guys have got no complaints here. We are over the moon with the service we experienced from the wonderful Katica McKenna. She was able to answer all of our questions and she was a pleasure to deal with, and with no doubt we will be using Ezilend again in the near future. Thank you so much Katica. Thanks from Noel & Leeanne."
Luke-Blanco-Hyundai Luke's Hyundai iMax Luke's Hyundai iMax Dealer: Coast Wide Cars, Tuggerah, NSW. Finance: Ezilend Newcastle "You blokes are amazing, Thank you Ray & Ezilend"
Michael-Chisholm-his-2012-Holden-Colorado-pic-1 Michael's New Dual Cab Colorado Michael's New Dual Cab Colorado Sandgate, NSW - Dealer: Sandgate Autos "Very happy with my new ute, only applied yesterday and driving away today, thanks to Ezilend. Both Ray from Ezilend and Chris from Sandgate Autos even stayed back so I could get it today, that’s great service!"
Allison-2015-Mercedes-Benz-GLC-250d-253-Coastwide-Cars-1 Allison's New Mercedes Allison's New Mercedes Coastwide Cars, Tuggerah NSW "Adam and I can’t thank you enough for your expertise in assisting with the purchase of our Mercedes-Benz. Your professionalism is absolutely first class - thanks again! Beep Beep ?"
Phoebes-New-Car-1 Phoebe's New Car Phoebe's New Car Newcastle NSW "Thanks Tony from Coastwide Cars for my first car, I absolutely love it. Also thanks to Ray and Gayle from Ezilend Newcastle for making it possible with my finance. My experience purchasing my car was nothing but exceptional, all communication was professional. I will be letting all my family and friends know of Coastwide Cars and Ezilend."
Stevos-New-Car Stevo's New Car Stevo's New Car Newcastle NSW "A big thank you to Ray Flett from Ezilend Finance who was able to assist me when I quickly needed finance to purchase a new car to replace my ageing one. Not only was he able to negotiate a far superior loan rate than what the dealer had offered me, he was able to to do it in a prompt, professional and informative manner. I would have no hesitation in recommending Ray and Ezilend to anyone who is looking for a professional and customer focused company. Dennis S"
Smith-G-New-Caravan Greg & Debra's New Caravan Greg & Debra's New Caravan Newcastle NSW "We are very happy the service we received, Ray was easy to contact & also a pleasure to talk & explain things. Thank you to your Team"
Happy-Campers Happy Campers Happy Campers Melbourne VIC "Just to say thank you Justin for everything you have done to help me get my camper trailer. My grandkids and I have had a fantastic time camping over the past week and many more camping trips to come and it is all thanks to you for making it happen. I have highly recommended you and your company to everyone, so again thank you heaps."
Bens-Ranger-1 Ben's Ford Ranger XLS Dual Cab Ben's Ford Ranger XLS Dual Cab Newcastle NSW "I had unbeatable service with Ray from Ezilend, an absolute top bloke to deal with. Ray worked really hard on my application with the financier & dealer, and now I have my 2014 Ford Ranger. Will definitely recommend Ezilend to all my friends, Thanks Ezilend."
Andrew-SS-V-Pic-3 Andy's Commodore Andy's Commodore Newcastle NSW "Thanks to Ray from Ezilend in helping me get my dream car, he made the process very easy and straight forward would definitely recommend."
Darrens-New-Bike Darren's Harley-Davidson Darren's Harley-Davidson Newcastle NSW "Thanks to Ray Flett and all the work he put into my application, I have now got my new bike. I can now join in with my club on fundraisers to help sick children and their families. Thanks to Ray easing my struggle, I can now help ease theirs...... cheers mate!"
Katie-Jeep-Wrangler-Sport Katie's Jeep Wrangler Sport Katie's Jeep Wrangler Sport Newcastle NSW "You guys provided fantastic service, everything was done very promptly and done in the best interest of me as it was my first loan. I am very grateful for all your help."
Phipps-NSW-testimonial Teigan's Hyundai iX35 Teigan's Hyundai iX35 Newcastle NSW "Ray made my experience with purchasing a new car very easy and understandable and helped me out with getting the car every way possible! He definitely only wants the best for his customers."
Sarah-Davies-2b Sarah's Hyundai Tuscon Sarah's Hyundai Tuscon Newcastle NSW "Found the process stress free and straight forward. Both Gayle and Ray from the Speers Point office were lovely to deal with. Ray was even nice enough to pick me up from the train station as I travelled from Sydney."
Justins-1-e1536089790359 Justins XR8 Justins XR8 Tamworth NSW "One of the last XR8s built supplied by Newcastle Vehicle Exchange, a very happy customer!!"
Gorrett Keith and Michelle Hit the Road Keith and Michelle Hit the Road Mildura VIC "All the best to Keith and Michelle in their travels, from the Ezilend team"
Katica4 Jenny's Ford Focus Jenny's Ford Focus Lalor VIC "Hi Katica I picked up the car on the weekend yaaaaaaaay!!! I just wanted to say a massive THANK YOU for everything you did to make this possible for me ? the service you provided me was above and beyond my expectations. I will certainly be recommending you to everyone I know!! Thank you once again Jenny"
DSC_0426-sml Dale's new car Dale's new car Bakers Hill W.A "Thankyou very much Katica, car picked up today, deposit sorted and paperwork all done."
Jerome Jerome's HSV Jerome's HSV QLD "Thanks Katica , another car in the family , what would we do without you !"
The-Ramptons-Boat The Ramptons New Boat The Ramptons New Boat QLD "Thank you so much Katica ,hubby loves his new boat and thanks for always being there and having quick responses."
Rupinder-Selfie4 Rupindar Singhs Hyundai Rupindar Singhs Hyundai Qld "Thank you Katica , you are awesome !"
Tracy-Mazda-3 Tracy Mazda Tracy Mazda QLD "Yayyy!!!! So BEAYTIFUL!! Thank you for everything that you did to make it happen"
Tim-Reid-1 Tim and one of the last Commodore Utes built Tim and one of the last Commodore Utes built QLD "" Thank you Katica for everything as per usual you go above and beyond and are just plain awesome""
Jade-and-Darrens-Top-Ender Jade and Darren with new Boat Jade and Darren with new Boat NT "Jade and Darren take to the water in their Top Ender in search of the big ones, "Thanks Katica, we love it!""
Daryl-and-Peta Darryl and Peta Darryl and Peta W.A ""We are avid campers, camping at least several times a year in the south of Western Australia. Our camper trailer we had at the time was starting to be quite difficult to erect for just the two of us and it took both of us at least half an hour to 3/4's of an hour to set up. We decided to start looking for a new camper that was easier and quicker to erect as, at times we needed a quick set up for an overnight stay. We found the perfect camper and thanks to Katica McKenna of Ezilend Loans our dream became a reality. She made the process so easy. We would recommend her services any time for anyone that is looking for an easy and quick process to apply for a loan with an appropriate lender." >"
Seans-Wakeboard-Boat Seans Wakeboard Glamour Seans Wakeboard Glamour "Very helpfull! Quick responses! Had a couple of issues but worked through them and ended up with a great wakeboat! Thanks! Sean"
Kates 18th Present Kates 18th Present Castle Hill NSW "Thank you Katica for your wonderful service, a new work car for our growing business and an 18th birthday present for our daughter , simple and fast process." Cameron and Kate Dunne - All Out Landscapes"
Russells-New-Ranger Russells New Ranger Russells New Ranger Cairns QLD "I found Ezilend to be professional and courteous at all times, the whole process was made simple and easy by the team. I would recommend Ezilend and definitely use them again. Russell Herries"
All-Out-Lanscaping-Goes-All-Out-1 All Out Landscaping Goes all Out! All Out Landscaping Goes all Out! Castle Hill NSW "Thank you Katica for your wonderful service, a new work car for our growing business and an 18th birthday present for our daughter , simple and fast process." Cameron and Kate Dunne - All Out Landscapes"
Dave-and-His-BMW-1 Dave's BMW! Dave's BMW! Brisbane ""Found my dream car at a great price but with no credit history, but none of the other agencies would give me a chance. Katica and Ezilend were a lifesaver and quickly sorted out a loan for me in just a few days. Couldn't have done it without you Katica. Thanks heaps!""
James-and-his-Snowy James and his Jayco Swan. James and his Jayco Swan. NSW "I would recommend Ezilend to everyone,the service was fast and friendly, I was kept up to date and was very happy with the deal. James NSW."
Johns-CaravanWP Johns Snowy Johns Snowy NSW "Using Ezilend was a no brainer, all the work was done for me, by the very friendly staff and I even left with a smile on my face. I have already recommended Ezilend to friends."
Thanks Thanks "Hi Katica Just wanted to say thank you for all your help in helping us get our boat , your service was fast efficient , and you were available for us 24/7 thank you so much. Yours Truly Spiteri Family"
image1 New Car New Car QLD "I want to give a big thanks to Katica for her amazing service with organising finance for my new car. Katica took all the stress out of buying a new car. Such a quick and easy transaction. If you are thinking of getting a new car do yourself a favour and give Katica a call, you won't be disappointed!"
Got that loan, thanks Got that loan, thanks Perth, Western Australia "We were unsure about the process but Ezilend were there for us. Thanks guys. Rob and Belinda"
Top notch value Top notch value Geelong, Victoria "I purchased a new Ford Falcon using Ezilend and it was a great way to maximise the value I received. They were helpful in every part of the process. I'd recommend them to anyone. Cheers!"
Man getting his car keys Really like it Really like it Oberon, New South Wales "My cash was a little on the lean side, but with Ezilend I could get my loan. Thanks Ezilend,"
Boat woman I love my new Stessel boat I love my new Stessel boat Manly, Queensland "Searching for my new Stessel boat was time consuming but Ezilend made the finance part so easy and now I've got my boat. So good!"
shutterstock_178653884_CROP72ppi26feb Thanks Thanks Caloundra, Queensland "The people at Ezilend were so helpful, I'm glad I used Ezilend. I'll be back the next time I need to purchase something."
iStock_000003704235_CROP72ppi24feb Got our Home Loan Got our Home Loan Sydney, New South Wales "Ezilend helped with the financing for our new home loan. The are great to work with. Totally recommend."
business2 Business Help Business Help Brisbane, Queensland "We needed a little help over the Christmas break when things get a touch quiet. Thankfully Ezilend was there to help us out. Now we're back going as strong as ever!"
Boat woman Really appreciated Really appreciated Brisbane, Queensland "This was great - the team at Ezilend were very helpful."
Boat woman More than I hoped for More than I hoped for Wynnum, Queensland "Ezilend are the best! Would take a loan from them anytime!"
gallery-image-5 Michaela's Mazda Michaela's Mazda QLD "Thanks Katica for everything!"
gallery-image-4 Brendan's Holden Brendan's Holden "Hi Ezilend, thanks for helping us purchase our Holden!"
gallery-image-3 Tom's Mazda Tom's Mazda Sunshine Coast, QLD "Hi Ezilend, thanks for helping us purchase our Mazda!!"
gallery-image-6 Brad's Bike Brad's Bike Sunshine Coast, QLD "Hi Ezilend, thanks for helping us purchase our Bike - who made the process seamless!!"