Car loans Australia

Car Loans for Personal and Business Vehicle Purchases

Compare vehicle finance for new and used cars through a broker-led process. We explain repayment, balloon, security and total-cost trade-offs before a formal application.

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Authorised Credit Representative
  • AFCA member 119860
  • No credit check now
  • New and used vehicle options
Finance options

What may fit your situation

Personal use

Secured car loan

The vehicle is security for the loan. The lender assesses affordability and the vehicle’s eligibility.

Business use

Commercial vehicle finance

Business-purpose vehicles may be financed under commercial asset products. Tax treatment should be confirmed with your accountant.

See business vehicle finance →
Novated leasing

Novated lease finance calculator

Have a novated lease quote? Check the implied finance rate, residual and rental schedule, or calculate a rental from a known rate.

Check a novated lease quote →
Planning tool

Car loan calculator

Estimate repayments using an assumed rate and term. The result is illustrative, not a quote.

Use the calculator →
Compare

What should you compare in a car loan?

Compare the interest rate, comparison rate where applicable, establishment and monthly fees, loan term, balloon, early repayment conditions and total amount payable. A lower regular repayment can result from a longer term or larger balloon.

How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

Yes, subject to lender rules on age, value, condition and seller type.

No credit check now. A lender can check later only if you choose to apply and say yes.

A balloon is a larger amount due at the end of the loan. It reduces regular repayments but increases the final repayment and total interest risk.

Some lenders allow private sales with additional identity, ownership and valuation checks.

Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Get Finance Options