Safa Pacific Islamic Car Finance (Hejaz-Funded)
Islamic Car Financing in Western Australia
Brokered Islamic car finance that is, unusually, fully specified on-page: $10,000-$100,000 including fees, 3-7 year terms, balloons permitted to 5 years, profit-charge rates fixed or variable from 8.14% p.a. (subject to credit, residency and vehicle age), Equifax score above 500 required, vehicles up to 8 years old at start (15 at term end), maximum 130% LVR, monthly repayments with penalty-free additional repayments. The required comprehensive insurance must list Hejaz Islamic Credit Solutions as interested party - identifying the underlying financier as Hejaz, with Safa Pacific brokering. Private sales verified via Verimoto inspection; grey imports, kit cars, motorcycles, scooters and racing cars excluded.
Ironically, the most transparent car-finance offer in Australian Islamic finance comes from a broker: Safa Pacific publishes the rate floor (8.14% p.a.), credit-score cut-off, LVR ceiling, asset-age rules and exclusions that direct providers like Baraqah and Ijarah Finance keep behind quote walls. Because the insurance clause names Hejaz Islamic Credit Solutions, you know whose contract and whose Shariah governance you're getting - a real diligence advantage. Judge it on fit: salaried buyers with fair-or-better credit financing a sub-8-year-old passenger car are squarely in the box; rideshare-focused or bad-credit buyers may do better at Baraqah, and GST-registered business operators should also quote Ijarah Finance's certified product. Watch the balloon and variable-rate options if you want a fully fixed obligation, and don't let the 130% LVR normalise borrowing past the car's value.
Pros
- Full published specification - the only crawled AU Islamic car product with a visible rate (from 8.14% p.a.), score cut-off (Equifax >500), LVR and asset rules
- Underlying financier identifiable (Hejaz Islamic Credit Solutions), so its Shariah framework can be checked before signing
- Additional repayments allowed without penalty; dealer and private sales (Verimoto-verified) both supported
- Refinancing of existing secured car loans available up to 130% LVR
Cons
- Variable-rate option and balloon payments (to 5-year terms) warrant a structure conversation with your own Shariah reference
- 130% maximum LVR can leave you owing more than the car is worth from day one
- 8+ year-old vehicles excluded at origination; grey imports, motorcycles and scooters not financeable
- Safa Pacific publishes no ACL number or scholars of its own - the compliance substance is all Hejaz's
Ready to apply?
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Product Details
Structure
murabaha
Vehicle Types
Passenger vehicles (dealer or private sale), Refinance of existing secured loans
Terms
3-7 years, Balloons permitted on terms up to 5 years
Max Amount
$100,000 including fees (from $10,000)
Safa Pacific in Western Australia
Safa Pacific offers Islamic car financing relevant to Western Australia residents using a murabaha structure. Unlike a conventional car loan, the financier holds or shares ownership of the vehicle and earns a disclosed markup or rent rather than interest. Safa Pacific operates across Australia, so Western Australia residents have full access to this product.
Our Take on Safa Pacific
Safa Pacific answers the question every Islamic-finance broker dodges - 'who are you actually shopping me to?' - by printing its panel: Hejaz, Meezan, Riyadh, MCCA, Ijara, and Amanah. Add the only published car-finance rate sheet in the crawled market (Hejaz-funded, from 8.14% p.a., with credit-score, LVR and asset-age rules spelled out) and concrete home-finance basics, and this is the most operationally transparent brokerage in the build. The caveats are its own paperwork: no ACL or credit-representative number, ABN, or team surnames appear anywhere; the claimed in-house 'Shariah Board' has no named scholars; and the leadership roster is identical to Sharia Finance's - undisclosed sister brands.
How Safa Pacific Works
Free finance strategy session
Intake covers goals, borrowing capacity and pre-assessment; pre-approval is available after a basic qualification review.
Panel scan across six named lenders
Safa Pacific compares Hejaz, Meezan, Riyadh, MCCA, Ijara and Amanah - 'more lenders means more choice and better rates' - with valuation-shopping across lenders.
Full approval in a claimed 2-3 weeks
The brokerage claims 'premium broker' turnaround with most Islamic lenders; escalation is available for urgent files.
Settle on the lender's Ijara (or Hejaz car) contract
Title in your name with the lender holding the mortgage; rental fixed or variable per your requirements, to a 30-year maximum.
Financing Structure
As a brokerage, Safa Pacific arranges its panel lenders' contracts. Home finance uses Ijara ('Rent to Purchase'): the panel lender funds the property, you hold registered title while the lender takes a mortgage, and monthly payments combine a rental charge with progressive equity acquisition until you own outright - rental rates can be fixed or variable per your preference, over terms to 30 years with a 10% deposit. Its published comparison table is candid about risk-sharing: if the property loses value, both parties share the loss, unlike a conventional mortgage. Car finance is operationally Hejaz Islamic Credit Solutions' product - a Shariah-compliant profit-charge structure with fixed or variable rates from 8.14% p.a. - brokered by Safa Pacific; confirm the specific contract form (Murabaha or otherwise) with Hejaz's certification for it. Superannuation services cover Shariah-compliant super strategies, with SMSF used for property-in-super scenarios.
In-Depth Analysis
Safa Pacific Financial Services operates from Norwest in Sydney's Hills District as an Islamic finance brokerage across home finance, refinancing, car finance and superannuation, claiming 450+ first home buyers, 300+ refinances and 200+ property investors settled, with a 5.0-star Google rating over 23 reviews naming brokers Rehan Shamim, Ahmed, and Zain Qureshi. Its self-description - 'Australia's Number 1 Islamic Finance Broker' with 'the biggest panel of Islamic financiers' - is standard superlative marketing; what isn't standard is the disclosure that follows.
Safa Pacific names its panel: 'We work with Hejaz, Meezan, Riyadh, MCCA, Ijara, and Amanah.' No other crawled Australian broker does this, and it transforms the diligence equation - a customer can read MCCA's and Amanah's published Shariah governance, and Hejaz's group framework, before the first phone call. The car-finance page goes further, publishing a full product specification that reveals the funder outright (comprehensive insurance must list Hejaz Islamic Credit Solutions as interested party): $10,000-$100,000 including fees, 3-7 year terms, balloons to 5-year terms, fixed and variable profit-charge rates from 8.14% p.a., Equifax score above 500, maximum 130% LVR, vehicles to 8 years at origination, private sales via Verimoto inspection. In a market where direct providers hide every number behind quote walls, a broker publishing a rate floor is genuinely remarkable.
Home finance is Ijara rent-to-purchase with a 10% deposit, terms to 30 years, fixed or variable rental, the customer on title with the lender holding a mortgage, and claimed 2-3 week full approvals on 'premium broker' status. Panel vetting language matches Sharia Finance's verbatim: certificates reviewed before admission, strict criteria, past removals - because, per the identical team pages (Zain, Elizabeth, Razi, Kashif, Saad, Hamza), Safa Pacific and Sharia Finance are the same operation under two brands, a fact neither site discloses. The other gaps: no ACL or credit-representative number, no ABN, no team surnames on the team page, and a claimed in-house 'Shariah Board which approves each Islamic Financier' with zero named scholars. Verify licensing at engagement; then let the named panel do what unnamed panels can't - be checked.
Shariah Compliance Details
- Safa Pacific claims 'our own Shariah Board which approves each Islamic Financier on our panel' - no scholars are named for it - and states that all panel lenders hold Sharia compliance certificates reviewed before admission under strict criteria, with past removals, and that all funding sources are verified by the lenders' Shariah boards and subject to Shariah audit. Substantive compliance therefore rests with the named panel: MCCA and Amanah publish their governance independently, Hejaz maintains group-level Islamic oversight, and the Meezan/Riyadh/Ijara entities should be confirmed at match time. No ACL, credit-representative number, or ABN appears on the crawled site - obtain licensing details in writing before engaging.
How Safa Pacific Compares
Safa Pacific is the transparency leader of the AU broker tier: it names the panel Halal Loans and sister brand Sharia Finance keep anonymous, and publishes the pricing every direct provider hides. Against going direct, the trade is a broker's commission layer and an unverified licence picture versus one-application access to six funders including the market's two governance leaders (Amanah, MCCA). The published Hejaz car product invites a three-way comparison: Safa's brokered Hejaz quote versus Baraqah's direct Murabaha versus (for ABN holders) Ijarah Finance's FSAC-certified product. The undisclosed common ownership with Sharia Finance means treating the two brokerages as one quote source, not two.
Amanah sits on Safa Pacific's own panel - applying direct removes the broker layer and gets you the market's only monthly-audited Shariah governance first-hand.
For car finance, Baraqah's direct Murabaha offers a wider range ($10,000-$150,000+) and rideshare acceptance against Safa's published Hejaz-funded pricing from 8.14% p.a. - get both numbers.
The same leadership team under a different brand, with less panel transparency - prefer Safa Pacific's named-panel door if engaging this operation.
A direct destination Safa's panel may reach anyway ('Ijara'); going direct gains its published FSAC certification, going brokered gains comparison across five rivals.
Bottom Line
The most transparent brokerage in Australian Islamic finance - a named six-lender panel and published car pricing - held back only by its own undisclosed licensing details and its quiet twin, Sharia Finance.
Read full Safa Pacific reviewShariah Compliance & Oversight
Safa Pacific publishes no scholars or certificates; the underlying product is Hejaz Islamic Credit Solutions', whose group-level Islamic governance is published by Hejaz separately. Confirm the specific contract structure (Murabaha vs other) and request Hejaz's certification for it before signing.
2026-08-05
Why It's Halal
This is the only product in the crawled Australian market with a published price: a profit-charge rate from 8.14% p.a., framed as the financier's profit on a Shariah-compliant transaction rather than interest on a loan - and the underlying financier is identifiable as Hejaz Islamic Credit Solutions, part of the Hejaz group whose Islamic-finance governance operates at scale in Australia. That traceability matters: instead of trusting a broker's generic halal claim, a buyer can examine Hejaz's own published Shariah framework before signing. The trade-based mechanics carry the usual markers - fixed total obligations available, additional repayments without penalty, asset-backed transaction with condition and inspection requirements. Points demanding honest attention: a variable profit-charge option and permitted balloons sit less comfortably with some scholars' preference for fully fixed trade obligations, so ask which contract form (Murabaha or otherwise) applies to your deal; the 130% maximum LVR means financing can exceed the car's value once fees and warranties fold in - convenient, but economically similar to being underwater from day one; and Safa Pacific itself publishes no licence number or scholars.
Regional Availability
Safa Pacific serves all of Australia
✓ Available nationwide including Western Australia
Ready to apply?: Safa Pacific
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Compare With Other Options in Western Australia
7 other car financing products available to Western Australia residents
Ijarah lease-to-own or Murabaha cost-plus for business assets · Nationwide
NationwideFrequently Asked Questions
What is Safa Pacific Islamic Car Finance (Hejaz-Funded)?
Why is Safa Pacific Islamic Car Finance (Hejaz-Funded) considered halal?
Is Safa Pacific Islamic Car Finance (Hejaz-Funded) available in Western Australia?
What Shariah oversight does Safa Pacific have?
What financing structure does Safa Pacific Islamic Car Finance (Hejaz-Funded) use?
How do I apply for Safa Pacific Islamic Car Finance (Hejaz-Funded) in Western Australia?
Do Islamic finance providers serve Perth?
What should WA property buyers check with Islamic financiers?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.