Car loans Australia-wide
New or used, dealer or private sale, the family SUV or the work ute. We help you find a car loan that fits your budget, then handle the paperwork with the lender.
- ✓New, used, dealer and private-sale cars
- ✓Personal and business (ABN) applicants
- ✓Options with or without a balloon payment
Get a quick quote
Two minutes, no obligation. We'll call you back within one business day.
How car finance works
A car loan is usually a secured loan: the car itself is the security, which is why secured car loans often cost less than unsecured personal loans. You repay over a fixed term set by the lender , and you can often choose weekly, fortnightly or monthly repayments.
If you're buying for a business, a chattel mortgage or other commercial loan may suit better. Your accountant can tell you how each option is treated for tax. We'll explain the structures and help you compare the total cost, not just the headline rate.
Estimate repayments
What we can help finance
- New cars from a dealer
- Used cars from a dealer or a private seller
- Utes, 4WDs and family SUVs
- Prestige and performance vehicles
- Work vehicles and vans for your business
- Refinancing an existing car loan
What you'll usually need
- Driver licence and contact details
- Recent payslips, or tax returns and BAS if you're self-employed
- Bank statements (often collected electronically)
- Details of the car: dealer invoice, or the private seller's details and registration
Every lender is different. We'll confirm exactly what's needed for your application.
Ways to structure it
Which option suits depends on how you'll use the asset, your income and your plans. We'll walk you through the pros and cons.
Secured consumer car loan
For personal use. The vehicle secures the loan, which usually means a lower rate than an unsecured loan.
Chattel mortgage
For business use. The business owns the vehicle from day one and the lender takes security over it.
Novated lease
A salary-packaging arrangement through your employer. Ask us whether it suits your situation.
Low-doc car loan
For some self-employed borrowers who may not have up-to-date financials. Lender criteria apply.
How it works
Tell us what you need
Send a quick quote or email us. We'll ask about the asset, the amount and your situation.
We compare options
We look at suitable lenders and loan structures and explain the trade-offs in plain English.
Apply with our help
We prepare and lodge the application and keep you posted until the lender decides.
Settle and get going
Once approved, we coordinate settlement with you and the seller or supplier.
Frequently asked questions
Can I get a car loan for a private sale?
Yes. Many lenders finance private sales. They usually need the seller's details, the registration and a check that there's no money owing on the car before settlement.
What is a balloon payment?
A balloon (or residual) is a lump sum left owing at the end of the loan. It lowers your regular repayments but means a larger final payment, and more interest over the life of the loan. Our repayment calculator lets you see the difference using your own figures.
Will getting a quote affect my credit score?
No. A quote enquiry with us doesn't involve a credit check. A credit enquiry only happens when you decide to apply, and we'll ask your permission first.
Can I get pre-approval before I find a car?
Often, yes. Pre-approval lets you shop with a budget in mind. It is conditional and the lender will still assess the specific car before settlement.
Ready to talk about your finance?
Tell us what you're buying and we'll do the legwork with lenders.