Absolutely. At Ausloans, we’re not tied to a single manufacturer or dealership, which means you have the freedom to finance almost any brand sold in Australia. Whether you’re looking at a brand-new Toyota Hilux from a dealership, a second-hand BMW from a private seller, or even an import, we can connect you with lenders who cater to your specific vehicle choice. With our broad lender panel, you can compare multiple offers side-by-side and select the one that suits your budget and credit profile best.

While your credit profile is the main driver of the interest rate you receive, the brand and model of your car can also have an impact. Lenders consider factors such as resale value, reliability, and demand for that particular brand when assessing risk. Popular, reliable brands may attract lower rates, while niche or low-resale value vehicles may be viewed as higher risk.

Our role is to compare multiple lenders—including those who specialise in certain brands or vehicle categories—so you have the best chance of securing a competitive rate.

You don’t need to limit yourself to dealership stock. Ausloans can help you secure finance for vehicles purchased through private sales, giving you more flexibility in where and how you buy. Private sales often open up more choices and can be a great way to find rare or well-maintained models. Our brokers will also assist with important checks such as verifying the PPSR (Personal Property Securities Register) to ensure there’s no finance owing on the vehicle and that it’s not stolen or written off.

Approval times vary depending on your application details, documentation readiness, and lender requirements. In many cases, we can secure conditional approval within 24 hours once we have your application and supporting documents. Our AI-driven platform speeds up the process by instantly matching you with lenders most likely to approve your chosen car brand, ensuring a quicker, smoother finance experience.

While a deposit can reduce your loan amount and improve your approval chances, it’s not always necessary. Many of our lenders offer no-deposit options, particularly for newer, higher-value brands with strong resale potential. If you prefer to keep your cash for other expenses, our brokers can identify lenders willing to finance 100% of the purchase price, subject to your credit profile and income.

Early loan repayment can help you save on interest, but some lenders apply fees for paying out the loan ahead of schedule. At Ausloans, we’ll show you which lenders allow early repayment with no penalties and help you choose a loan that works best for your long-term financial strategy.

Car loan approval time can vary based on your financial profile and how quickly you submit your documents. At Ausloans, most customers are matched with lenders and receive conditional approval within 1 business day. Some approvals may take longer if additional verification is required. Submitting your application online with all necessary details speeds things up.

Having bad credit doesn’t mean you’re out of options. Ausloans partners with over 40 lenders, including those who consider applicants with defaults, low scores, or limited credit history. We use our smart Zink software to match your credit profile with lenders most likely to approve your car loan — giving you a real chance to get back on the road.

Balloon payments let you reduce your monthly repayments by deferring a portion of the loan to the end of the term. While this lowers your regular instalments, you’ll need to pay a large lump sum at the end. It’s popular for businesses or those planning to upgrade vehicles. Ausloans can help you compare car loan options with and without balloon payments to suit your budget.

Beyond the interest rate, car loans can include setup fees, account-keeping charges, and sometimes early repayment penalties. Ausloans helps you understand the true cost by showing comparison rates, which factor in most fees and charges. We’ll help you avoid hidden costs by comparing real offers from Australia’s top lenders — all in one place.

There’s no single score that guarantees approval, but a higher score (650+) can unlock lower interest rates and more flexible terms. Ausloans works with lenders who cater to a range of credit profiles — including those with low or recovering scores. When you apply, our Zink platform matches your unique credit profile with suitable lenders without damaging your score.