--- title: Car Finance Australia | Car Financing Options & Loan Rates description: Looking for auto financing? Ausloans compares car loans from over 40 lenders to help you find the right one for your needs! Fast and easy application process. Apply today! image: https://www.ausloans.com.au/hubfs/Web%20Photos%20dynamic%20pages%202022/car-settings.jpg --- [![ausloans logo white](https://www.ausloans.com.au/hs-fs/hubfs/MicrosoftTeams-image%20(29)-1.png?width=250&height=84&name=MicrosoftTeams-image%20(29)-1.png "ausloans logo white")](https://www.ausloans.com.au/) - [Cars](https://www.ausloans.com.au/car-loans) - [Boats](https://www.ausloans.com.au/boat-finance) - [Caravans](https://www.ausloans.com.au/caravan-finance) - [Equipment](https://www.ausloans.com.au/commercial-equipment-finance) - [Partner](https://www.ausloans.com.au/#partner) [![Blog](https://no-cache.hubspot.com/cta/default/695602/1663c65e-3448-4f04-8d0e-cc8cb41b9a3a.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/1663c65e-3448-4f04-8d0e-cc8cb41b9a3a) [![Loans](https://no-cache.hubspot.com/cta/default/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a) ** ** ** #### Car Loans - [Personal Use](https://www.ausloans.com.au/car-finance) - [Business Use](https://www.ausloans.com.au/car-finance) #### Calculators - [Car Loan Calculator](https://www.ausloans.com.au/car-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Car Lease Calculator](https://www.ausloans.com.au/car-lease-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Auto Financing For Personal or Business Use Ausloans Australias premier online car broker. We make auto financing easy     #### Boat Loans - [Boat](https://www.ausloans.com.au/boat-finance) - [Jet Ski](https://www.ausloans.com.au/jet-ski-finance) - [Chattel Mortgage](https://www.ausloans.com.au/chattel-mortgage-boat) #### Calculators - [Boat Loan Calculator](https://www.ausloans.com.au/boat-finance-calculator) - [Jet Ski Loan Calculator](https://www.ausloans.com.au/jet-ski-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Caravan Loans - [Caravan](https://www.ausloans.com.au/caravan-finance) - [Camper Trailer](https://www.ausloans.com.au/camper-trailer-finance) - [RV](https://www.ausloans.com.au/camper-trailer-finance) #### Calculators - [Caravan Loan Calculator](https://www.ausloans.com.au/caravan-finance-calculator) - [Camper Trailer Loan](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [RV Loan Calculator](https://www.ausloans.com.au/rv-finance-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Commercial loans - [Truck](https://www.ausloans.com.au/truck-finance) - [Trailer](https://www.ausloans.com.au/camper-trailer-finance) - [Equipment](https://www.ausloans.com.au/commercial-equipment-finance) #### Calculators - [Truck Loan Calculator](https://www.ausloans.com.au/truck-finance-calculator) - [ Trailer Loan Calculator](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [Equipment Finance Calculator](https://www.ausloans.com.au/equipment-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Fuel your business growth  Harness the power of Australia's largest independent finance aggregator.  Access multiple lenders and get all the tools and support you need  to grow your business.   #### Broker - [Broker ](https://www.ausloans.com.au/asset-finance-broker-jobs) - [Franchise](https://www.ausloans.com.au/ausloans-finance-franchise) - [Aggregator](https://www.ausloans.com.au/broker-aggregator-australia) - [Book a demo ](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) #### Dealer - [Dealer Broker](https://www.ausloans.com.au/dealers) - [ Dealer Agent](https://www.ausloans.com.au/dealers) - [Dealer Referrer](https://www.ausloans.com.au/dealers) - [Brokers Book a Zink Demo](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) - [Dealer Presentstion](https://www.ausloans.com.au/dealer-f1-lp) #### Business - [Referrer](https://www.ausloans.com.au/business) [![ausloans logo white](https://www.ausloans.com.au/hs-fs/hubfs/MicrosoftTeams-image%20(29)-1.png?width=250&height=84&name=MicrosoftTeams-image%20(29)-1.png "ausloans logo white")](https://www.ausloans.com.au/) - [Cars](https://www.ausloans.com.au/car-loans) - [Boats](https://www.ausloans.com.au/boat-finance) - [Caravans](https://www.ausloans.com.au/caravan-finance) - [Equipment](https://www.ausloans.com.au/commercial-equipment-finance) - [Partner](https://www.ausloans.com.au/#partner) [![Blog](https://no-cache.hubspot.com/cta/default/695602/1663c65e-3448-4f04-8d0e-cc8cb41b9a3a.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/1663c65e-3448-4f04-8d0e-cc8cb41b9a3a) [![Loans](https://no-cache.hubspot.com/cta/default/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a) ** ** ** #### Car Loans - [Personal Use](https://www.ausloans.com.au/car-finance) - [Business Use](https://www.ausloans.com.au/car-finance) #### Calculators - [Car Loan Calculator](https://www.ausloans.com.au/car-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Car Lease Calculator](https://www.ausloans.com.au/car-lease-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Auto Financing For Personal or Business Use Ausloans Australias premier online car broker. We make auto financing easy     #### Boat Loans - [Boat](https://www.ausloans.com.au/boat-finance) - [Jet Ski](https://www.ausloans.com.au/jet-ski-finance) - [Chattel Mortgage](https://www.ausloans.com.au/chattel-mortgage-boat) #### Calculators - [Boat Loan Calculator](https://www.ausloans.com.au/boat-finance-calculator) - [Jet Ski Loan Calculator](https://www.ausloans.com.au/jet-ski-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Caravan Loans - [Caravan](https://www.ausloans.com.au/caravan-finance) - [Camper Trailer](https://www.ausloans.com.au/camper-trailer-finance) - [RV](https://www.ausloans.com.au/camper-trailer-finance) #### Calculators - [Caravan Loan Calculator](https://www.ausloans.com.au/caravan-finance-calculator) - [Camper Trailer Loan](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [RV Loan Calculator](https://www.ausloans.com.au/rv-finance-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. 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We make caravan finance   easy     #### Fuel your business growth  Harness the power of Australia's largest independent finance aggregator.  Access multiple lenders and get all the tools and support you need  to grow your business.   #### Broker - [Broker ](https://www.ausloans.com.au/asset-finance-broker-jobs) - [Franchise](https://www.ausloans.com.au/ausloans-finance-franchise) - [Aggregator](https://www.ausloans.com.au/broker-aggregator-australia) - [Book a demo ](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) #### Dealer - [Dealer Broker](https://www.ausloans.com.au/dealers) - [ Dealer Agent](https://www.ausloans.com.au/dealers) - [Dealer Referrer](https://www.ausloans.com.au/dealers) - [Brokers Book a Zink Demo](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) - [Dealer Presentstion](https://www.ausloans.com.au/dealer-f1-lp) #### Business - [Referrer](https://www.ausloans.com.au/business) [![AUS_logo-positive-h-1](https://www.ausloans.com.au/hs-fs/hubfs/2021%20Logos/AUS_logo-positive-h-1.png?width=250&height=84&name=AUS_logo-positive-h-1.png "AUS_logo-positive-h-1")](https://www.ausloans.com.au/) - [Cars](https://www.ausloans.com.au/car-loans) - [Boats](https://www.ausloans.com.au/boat-finance) - [Caravans](https://www.ausloans.com.au/caravan-finance) - [Equipment](https://www.ausloans.com.au/commercial-equipment-finance) - [Partner](https://www.ausloans.com.au/#partner) [![Blog](https://no-cache.hubspot.com/cta/default/695602/e6b41a11-cc86-4f06-ab8a-9774924c51ac.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/e6b41a11-cc86-4f06-ab8a-9774924c51ac) [![Loans](https://no-cache.hubspot.com/cta/default/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/9850bb21-b95e-4ba6-8dfa-e3d9311df34a) ** ** ** #### Car Loans - [Personal Use](https://www.ausloans.com.au/car-finance) - [Business Use](https://www.ausloans.com.au/car-finance) #### Calculators - [Car Loan Calculator](https://www.ausloans.com.au/car-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Car Lease Calculator](https://www.ausloans.com.au/car-lease-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Auto Financing For Personal or Business Use Ausloans Australias premier online car broker. We make auto financing easy     #### Boat Loans - [Boat](https://www.ausloans.com.au/boat-finance) - [Jet Ski](https://www.ausloans.com.au/jet-ski-finance) - [Chattel Mortgage](https://www.ausloans.com.au/chattel-mortgage-boat) #### Calculators - [Boat Loan Calculator](https://www.ausloans.com.au/boat-finance-calculator) - [Jet Ski Loan Calculator](https://www.ausloans.com.au/jet-ski-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Caravan Loans - [Caravan](https://www.ausloans.com.au/caravan-finance) - [Camper Trailer](https://www.ausloans.com.au/camper-trailer-finance) - [RV](https://www.ausloans.com.au/camper-trailer-finance) #### Calculators - [Caravan Loan Calculator](https://www.ausloans.com.au/caravan-finance-calculator) - [Camper Trailer Loan](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [RV Loan Calculator](https://www.ausloans.com.au/rv-finance-calculator) - [Personal Loan Calculator](https://www.ausloans.com.au/personal-loan-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Commercial loans - [Truck](https://www.ausloans.com.au/truck-finance) - [Trailer](https://www.ausloans.com.au/camper-trailer-finance) - [Equipment](https://www.ausloans.com.au/commercial-equipment-finance) #### Calculators - [Truck Loan Calculator](https://www.ausloans.com.au/truck-finance-calculator) - [ Trailer Loan Calculator](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [Equipment Finance Calculator](https://www.ausloans.com.au/equipment-loan-calculator) - [Chattel Mortgage Calculator](https://www.ausloans.com.au/chattel-mortgage-calculator) - [Borrowing Power Calculator](https://www.ausloans.com.au/borrowing-power-calculator) #### Caravan and Camper Trailer Finance Ausloans Australia's premier online caravan and camper trailer finance broker. We make caravan finance   easy     #### Fuel your business growth  Harness the power of Australia's largest independent finance aggregator.  Access multiple lenders and get all the tools and support you need  to grow your business.   #### Broker - [Broker](https://www.ausloans.com.au/ausloans-finance-franchise) - [Franchise](https://www.ausloans.com.au/ausloans-finance-franchise) - [Aggregator](https://www.ausloans.com.au/broker-aggregator-australia) - [Book a demo](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) #### Dealer - [Dealer Broker](https://www.ausloans.com.au/dealers) - [ Dealer Agent](https://www.ausloans.com.au/dealers) - [Dealer Referrer](https://www.ausloans.com.au/dealers) - [Book a Zink Demo](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) - [Dealer Presentatiion ](https://www.ausloans.com.au/dealer-f1-lp) #### Business - [Referrer](https://www.ausloans.com.au/business) Search **Menu** ** ** [![Blog](https://no-cache.hubspot.com/cta/default/695602/e5fc6ef8-b82a-4072-8b21-c6f327d9f217.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/e5fc6ef8-b82a-4072-8b21-c6f327d9f217) [![Loans](https://no-cache.hubspot.com/cta/default/695602/262be04e-326e-4708-88b9-840e141e7201.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/262be04e-326e-4708-88b9-840e141e7201) - [Car Loans](https://www.ausloans.com.au/best-car-loans) - [Personal Use](https://www.ausloans.com.au/best-car-loans) - [Business Use ](https://www.ausloans.com.au/best-car-loans) - [Boat Loans](https://www.ausloans.com.au/boat-finance-lp) - [Boat](https://www.ausloans.com.au/boat-finance-lp) - [Jet Ski](https://www.ausloans.com.au/jetski-finance-lp) - Chattel Mortgage - [Caravan Loans](https://www.ausloans.com.au/caravan-finance-lp) - [Caravan ](https://www.ausloans.com.au/caravan-finance-lp) - [Camper Trailer](https://www.ausloans.com.au/caravan-finance-lp) - [RV](https://www.ausloans.com.au/caravan-finance-lp) - [Commercial Loans](https://www.ausloans.com.au/best-car-loans) - [Truck ](https://www.ausloans.com.au/best-car-loans) - [Trailer](https://www.ausloans.com.au/best-car-loans) - [Equipment](https://www.ausloans.com.au/best-car-loans) - Partner - [Broker Solutions](https://www.ausloans.com.au/broker-aggregator-australia) - [Dealership Solutions](https://www.ausloans.com.au/zink-customer-financing-platform-for-dealerships) - [Business Solutions](https://www.ausloans.com.au/zink-pos-customer-finance-solution-for-business) - [About ](https://www.ausloans.com.au/about-us) - [Car Loan Reviews](https://www.ausloans.com.au/car-loan-reviews) ![hero-banner-car-01](https://www.ausloans.com.au/hs-fs/hubfs/Web%20Photos%20dynamic%20pages%202022/hero-banner-car-01.jpg?width=1920&height=1216&name=hero-banner-car-01.jpg "hero-banner-car-01") ![car fiance we work for you](https://www.ausloans.com.au/hs-fs/hubfs/car%20fiance%20we%20work%20for%20you.png?width=250&name=car%20fiance%20we%20work%20for%20you.png "partner logo") ##### IN PARTNERSHIP WITH AUSLOANS # Find The Easiest Car Finance to Buy Your New Car Sooner ## Best Auto Financing Rates in Australia ### Compare real and personalised rate offers from multiple lenders in minutes without impacting your credit score.  [** Get a FREE Quote ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) ## Auto Finance ##### Select the auto finance option that best suits you, business or personal use. - [Personal Use](https://www.ausloans.com.au/car-finance#tab_1) - [Business Use](https://www.ausloans.com.au/car-finance#tab_2) ### Personal Car Finance Whether you are looking to secure finance for your first car or upgrade to the latest luxury vehicle, at Ausloans we've got you covered. With access to our network of top car loan lenders, we can help tailor an auto financing solution to meet your needs and budget with no deposit options, [balloon payments](https://www.ausloans.com.au/finance/balloon-payment), and extended loan terms. Use our [car finance calculator](https://www.ausloans.com.au/car-finance-calculator) to get an estimate of your weekly repayments, or alternatively complete our simple, online form to [check your financial power](https://consumer.zink.com.au/v1) and receive real personalized rate offers from our extensive panel of lenders. Don't worry, there's no obligation and it won't affect your credit score. ###### Need to learn more | [Car Loans Guide→ ](https://www.ausloans.com.au/car-loans-australia-car-loans-guide) #### Car Finance Options - [Secured car loan](https://www.ausloans.com.au/secured-car-loan) - [Personal car loan](https://www.ausloans.com.au/unsecured-car-loan) - [Bad credit loan](https://www.ausloans.com.au/bad-credit-car-loans) - [Refinance](https://www.ausloans.com.au/refinance-car-loan) #### Benefits - Fixed repayments - Lower interest rates - Balloon payment options [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) ### Business Car Finance  Looking to finance a vehicle for business use? We have a range of finance solutions to suit your business structure, budget, and cash flow needs, including [chattel mortgage](https://www.ausloans.com.au/finance/chattel-mortgage) and [low-doc vehicle finance](https://www.ausloans.com.au/low-doc-car-loans) options for new ABN holders. Use our [car finance calculator](https://www.ausloans.com.au/car-finance-calculator) to get an estimate of your weekly repayments, or alternatively complete our simple, online form to [check your financial power](https://consumer.zink.com.au/v1) and receive real personalized rate offers from our extensive panel of lenders. Don't worry, there's no obligation and it won't affect your credit score. Need to learn more check out our business finance guides - [Chattel Mortgage Guide → ](https://www.ausloans.com.au/finance/chattel-mortgage) - [Tradies Finance Guide → ](https://www.ausloans.com.au/finance/tradies-finance) - [New ABN Car Buyers Guide →](https://www.ausloans.com.au/finance/car-loans-for-new-abn-holders-everything-you-need-to-know)   ####  Finance Options - [Chattel mortgage](https://www.ausloans.com.au/chattel-mortgage) - [Low-doc loan](https://www.ausloans.com.au/low-doc-car-loans) - [Car lease](https://www.ausloans.com.au/car-lease) - [Refinance](https://www.ausloans.com.au/refinance-car-loan) #### Benefits - Fixed repayments - Lower interest rates - Balloon payment options [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) ![testimonial-bg](https://www.ausloans.com.au/hubfs/testimonial-bg.png "testimonial-bg") ![testimonial-left-field](https://www.ausloans.com.au/hubfs/testimonial-left-field.png "testimonial-left-field") ## Car Finance Reviews [![See their stories ](https://no-cache.hubspot.com/cta/default/695602/7f9bb3a6-cff6-46f5-a1ad-45a0f2603011.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/7f9bb3a6-cff6-46f5-a1ad-45a0f2603011) ![testimonial-right-field](https://www.ausloans.com.au/hubfs/testimonial-right-field.png "testimonial-right-field") ## See how easy it is to get auto finance with us - Get pre-approved in minutes - Get matched with a lender - Get personalised loan offers  See how [** GET FINANCE ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) ![asset finance mildura](https://www.ausloans.com.au/hs-fs/hubfs/Franchisees%20Websites/Mildura/asset%20finance%20mildura.png?width=1575&name=asset%20finance%20mildura.png "asset finance mildura") ## How it works ##### Follow our 4 steps process to apply online and get an answer in minutes.  ***1*** #### Apply online 3 minutes 25% It takes only two minutes to make an online car loan application. No lengthy questions.  ***2*** #### Upload documents  2 minutes 50% With our online car loan application, easily upload documents directly from your phone or computer. ***3*** #### Get your personalised rate 1 minute 75% Our automated finance software ZINK, matches you with a lender and get you the best car loan interest rate for your circumstances. ***4*** #### Get  approved Same Day 100% Get approved and drive away! [** GET YOUR PERSONALISED RATE ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) ## Estimate Your Loan Repayments #### Use our loan calculator to get an estimate of what your loan may cost you. Then check your finance power with our fast online application. ##### How to use Ausloans' Loan calculator?  Select the total amount you want to borrow and how many years you would like to pay the loan. Next, select the exact amount you would like to contribute with a deposit for your loan. A deposit is not required but recommended.   **Balloon Payment:** A balloon payment allows you to reduce your repayments during the camper trailer loan term by making a one-off lump sum payment at the end of your loan.   Need help? Click play now ## Car Loan Calculator How much do you want to borrow? $ Interest Rate? % Over how many years? Years How much deposit do you want to add? $ You want repayments as Weekly Fortnightly Monthly Balloon repayment Balloon Final Payment $ Balloon Percent % Disclaimer: Any calculation made using this calculator is intended as a guide only. It is for illustrative purposes only, and based on the information you provide. Quoted repayments do not include lender fees and charges ![Web-background-01](https://www.ausloans.com.au/hubfs/Web-background-01.jpg "Web-background-01") ##### We Make Car Finance Easy We find you the best car loan rate for your credit profile ![laptop](https://www.ausloans.com.au/hubfs/laptop.png "laptop") #### Easy Online Application Our simple, paperless application makes it easy for you to apply online. It only takes a few minutes. ![rocket](https://www.ausloans.com.au/hubfs/rocket.png "rocket") #### Fast Qualification Don't wait days to get an answer. With Ausloans personalised customer service  we can tell you if you qualify within minutes of accepting our call. ![bank](https://www.ausloans.com.au/hubfs/bank.png "bank") #### Multiple Loan Choices Receive best rate car loan offers from multiple lenders and choose the deal which best suits you.  ![score](https://www.ausloans.com.au/hubfs/score.png "score") #### Credit Score Protection Your online application gets checked against 1,000+ lender policies before it's shared with a lender to protect your credit score ![percentage](https://www.ausloans.com.au/hubfs/percentage.png "percentage") #### Great Low Rates Our massive lending panel allows us to find you the best car finance rates in the country ![human](https://www.ausloans.com.au/hubfs/human.png "human") #### Personalised Service  Our team of more than 150 asset finance brokers work with you until your car loan is settled. [** GET YOUR PERSONALISED RATE ](https://consumer.zink.com.au/v1?cta_guid=6ec49df9-7ccb-4e19-bbdd-0497ba25fd81&page_id=177902050371) [** GET YOUR PERSONALISED RATE ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) #### OUR MOST POPULAR AUTO FINANCING ARTICLES ## MUST-READ CAR FINANCE ADVICE [![MicrosoftTeams-image (27)](https://www.ausloans.com.au/hs-fs/hubfs/MicrosoftTeams-image%20(27).png?width=500&name=MicrosoftTeams-image%20(27).png)](https://www.ausloans.com.au/finance) ## Frequently Asked Questions ### About Ausloans Car Finance  ** ** What is Ausloans? We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.  ** ** What is the difference between applying for a loan with Ausloans or a bank? We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we **compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. **Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. Additionally, we can find Australiawide the right vehicle for you through our vehicle solutions partner Drive.  ** ** What do your interest rates start at? Our car finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities.  ** ** Do I need to purchase the car from Ausloans? Not necessarily. If you wish, you can source your own car. But if you wish, we offer a holistic solution; from sourcing a vehicle to new and used car finance at the most competitive rates and specs, through our vehicle solutions partner Drive.  ### Applying for a loan ** ** Do I qualify for finance? To qualify for finance you need to: - Be over 18 years old. - Be an Australian citizen or permanent resident* - Be currently employed** - Earn at least $400 per week (after tax) *We may be able to help if you have a visa with more than 2 years remaining. **Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.   ** ** What documents do I need to apply? Making an application is quick and easy. You just need to have the following documents ready to give to your broker: - Current Australian Residency Identification  - Two recent payslips - One current bank statement  ** ** Can I get a loan if I am bankrupted? Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution.  ** ** Can I still get a car loan if I am self-employed? Yes, you can. If you are self-employed, you can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties. ### Getting my loan approved ** ** How long does the process take from application to approval? The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc. Our online application takes 2 minutes to fill out, once completed our call centre calls you within the next 24 hours to pre-approve you and transfer you to an assigned broker. Once the documents are gathered and the broker submits the application to the lender, approval can take from 2 hours. ** ** Can I get approved if I have bad credit? Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To help bad credit car finance applicants or **[Centrelink ](https://www.servicesaustralia.gov.au/centrelink?context=1)**car loan applicants, we created **[1800Approved](https://www.1800approved.com.au/)**; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.  ** ** Is my credit score affected if I am declined? At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance. ### Paying my loan ** ** Do late payments affect my Credit Score? The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score. ** ** Can I pay out my loan early? Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.   ** ** What is a balloon payment? A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.  ![MicrosoftTeams-image (28)-1-compressed](https://www.ausloans.com.au/hs-fs/hubfs/MicrosoftTeams-image%20(28)-1-compressed.jpg?width=1920&name=MicrosoftTeams-image%20(28)-1-compressed.jpg "MicrosoftTeams-image (28)-1-compressed") NEED MORE INFORMATION ## USEFUL LINKS - [LOAN CALCULATORS](https://www.ausloans.com.au/car-finance-calculator) - [FINANCE PRODUCTS](https://www.ausloans.com.au/asset-finance-solutions) - FINANCE GUIDES - [FINANCE ARTICLES](https://www.ausloans.com.au/finance) - [FINANCE REVIEWS](https://www.ausloans.com.au/car-loan-reviews) - [ABOUT AUSLOANS](https://www.ausloans.com.au/about-us) ![MicrosoftTeams-image](https://www.ausloans.com.au/hs-fs/hubfs/MicrosoftTeams-image.jpg?width=1920&name=MicrosoftTeams-image.jpg "MicrosoftTeams-image") ###### NEED FINANCE  ## FAST EASY FINANCE [** APPLY NOW ](https://consumer.zink.com.au/v1?cta_guid=6ec49df9-7ccb-4e19-bbdd-0497ba25fd81&page_id=177902050371) [** Apply Now ](https://consumer.zink.com.au/v1?page_id=177902050371&veda_disabled=true) **[Car Loans ](https://ausloans.com.au/car-loans) ** - [Car Finance](https://www.ausloans.com.au/car-finance) - [Car Loan Refinance](https://www.ausloans.com.au/refinance-car-loan) - [Bad Credit Car Loans ](https://www.ausloans.com.au/bad-credit-car-loans) - [Business Car Loans ](https://www.ausloans.com.au/chattel-mortgage) - [Car lease ](https://www.ausloans.com.au/car-lease) **Leisure Loans ** - [Leisure Finance Guide ](https://www.ausloans.com.au/leisure-loans-guide-australia) - [Boat Finance ](https://www.ausloans.com.au/boat-finance-lp) - [Camper Trailer Finance ](https://www.ausloans.com.au/camper-trailer-finance) - [Caravan Finance](https://www.ausloans.com.au/caravan-finance) - [Jet Ski Finance](https://www.ausloans.com.au/jet-ski-finance)  - [RV Finance ](https://www.ausloans.com.au/camper-trailer-finance) - [Motorcycle Finance ](https://www.ausloans.com.au/motorbike-finance) ### **Commercial Loans  ** - [Truck Finance ](https://www.ausloans.com.au/truck-finance) - [Equipment Finance ](https://www.ausloans.com.au/commercial-equipment-finance) ### **Personal Loans ** - [Personal Loans](https://www.ausloans.com.au/personal-loans) - [Bad Credit Loans ](https://www.ausloans.com.au/bad-credit-car-loans) ### **Tools ** - [Car Loan Calculator](https://www.ausloans.com.au/car-loan-calculator) - [Boat Loan Calculator](https://www.ausloans.com.au/boat-finance-calculator) - [Camper Trailer Loan Calculator ](https://www.ausloans.com.au/camper-trailer-finance-calculator) - [Caravan Loan Calculator ](https://www.ausloans.com.au/caravan-finance-calculator) - [Jet Ski Loan Calculator ](https://www.ausloans.com.au/jet-ski-loan-calculator) - [RV Loan Calculator  ](https://www.ausloans.com.au/rv-finance-calculator) **B2B Partner** - [Business Solutions](https://www.ausloans.com.au/zink-pos-customer-finance-solution-for-business) - [Dealership Solutions](https://www.ausloans.com.au/zink-customer-financing-platform-for-dealerships) - [Broker Solutions](https://www.ausloans.com.au/broker-aggregator-australia) - [Ausloans Franchise Opportunities](https://www.ausloans.com.au/ausloans-finance-franchise)   ### **Benefits ** - [Marketing Support ](https://www.ausloans.com.au/asset-finance-marketing-support) - [Business Development ](https://www.ausloans.com.au/business-development-manager) - [Professional Development](https://www.ausloans.com.au/asset-finance-broker-training) - [Training & Compliance ](https://www.ausloans.com.au/compliance) - [Vehicle Procurement ](https://www.ausloans.com.au/vehicle-procurement) ### **Partner with us ** - [Business Register Now ](https://www.ausloans.com.au/ausloans-lp-zink-for-business-join-now) - [Dealerships Register Now ](https://www.ausloans.com.au/ausloans-lp-zink-for-business-join-now) - [Brokers Zink Demo](https://www.ausloans.com.au/zink-finance-aggregator-platform-for-brokers) - [Brokers Join Now](https://www.ausloans.com.au/broker-apply-now)  ** ** ### **Resource Center** - [Broker Hub](https://www.ausloans.com.au/broker-hub) - [Partner Hub](https://www.ausloans.com.au/partner-hub) - [Case Studies](https://www.ausloans.com.au/car-finance-deals) - [Find a Broker](https://www.ausloans.com.au/finance-broker-near-me) ![ausloans logo homepage](https://www.ausloans.com.au/hs-fs/hubfs/blog/ausloans%20logo%20homepage.png?width=270&height=71&name=ausloans%20logo%20homepage.png "ausloans logo homepage") Ausloans Finance Group is a member of the Finance Brokers Association of Australia (FBAA),  Australian Financial Complaints Authority (AFCA) and the Franchise Council of Australia (FCA). Ausloans Finance Group entered the market in 2009 and has grown to 3 brands within the group to offer consumers, brokers, dealerships and other businesses a holistic approach to financing.    ### Quick Links  - [About Us](https://www.ausloans.com.au/about-us) - [Contact Us ](https://www.ausloans.com.au/contact-ausloans) - [Privacy Policy](https://www.ausloans.com.au/privacy-policy)   ### Contact Us  - [1/33 Ereton Drive, Arundel QLD 4214](https://www.google.com/maps/place/Ausloans+Finance+Group/@-27.9373013,153.3852695,15z/data=!4m5!3m4!1s0x0:0x1aeb5db655c0931f!8m2!3d-27.9373013!4d153.3852695) - [1800 277 768](tel:%201800%20277%20768) - [sales@ausloans.com.au](mailto:sales@ausloans.com.au) - [www.ausloans.com.au](https://www.ausloans.com.au/?hsLang=en) [1800 277 768](tel:%201800%20277%20768) [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=177902050371) [Privacy Policy](https://www.ausloans.com.au/privacy-policy?hsLang=en) | 2024-© Ausloans Pty Ltd Australian Credit License # 383 999 ![](https://www.facebook.com/tr?id=2099318183729557&ev=PageView&noscript=1) ![](https://www.facebook.com/tr?id=759887617369365&ev=PageView&noscript=1) ![](https://www.facebook.com/tr?id=122106498438777&ev=PageView&noscript=1) ![](https://bat.bing.com/action/0?ti=5128956&Ver=2) ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.ausloans.com.au/media-transcripts/182745300077/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://695602.fs1.hubspotusercontent-na1.net/hubfs/695602/The%20easiest%20car%20loan%20in%20Australia!%20A%20new%20way%20to%20finance%20your%20car%20%7C%20Get%20pre-approved%20in%20minutes!.mp4", "dateModified" : "2026-06-09T23:27:18.968Z", "duration" : "PT56.216S", "height" : 1080, "name" : "The easiest car loan in Australia! 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