Most BYD buyers choose a secured car loan, where the vehicle itself is used as collateral. This usually means lower interest rates and easier approvals, especially for new EVs and hybrids.

An unsecured loan may be an option if you want more flexibility, but interest rates are often higher. Ausloans compares both approaches across 70+ lenders to help you find the right BYD finance option.

Many BYD models are available on a pre-order basis. With Ausloans, you can secure finance at the time of ordering, giving you peace of mind that funding is in place when the vehicle arrives. Another option is to get your BYD finance pre-approved so you can still decide between an Atto 3 or Sealion 7 with finance ready to go.

Your broker will guide you through how to structure repayments and options like balloon payments, so you’re financially ready to take delivery.

On-road costs and registration can also be tied into the loan. Just ask your Ausloans broker know and we'll handle the rest. 

Pre-approval lets you know how much you can borrow before you start shopping for your BYD. This is especially useful if you’re comparing models like the Dolphin for city driving or the Seal for premium EV performance.

Being pre-approved also gives you negotiating power with the seller, whether its a new car dealership or a marketplace purchase. 

With Ausloans, you can complete a quick pre-check online that won’t affect your credit score. You’ll have a clear borrowing range, helping you negotiate with confidence and avoid wasting time on cars outside your budget.

With BYD leading the affordable EV push in Australia, lenders are more open than ever to financing hybrids and EVs. In fact, many now offer green loan products with competitive terms. Whether it’s a Sealion 6 PHEV or the fully electric Seal, Ausloans can connect you with lenders who actively support eco-friendly cars, helping you secure rates and terms suited to your profile.

You’re not restricted to dealership stock when it comes to BYD finance. Ausloans can arrange loans for cars purchased through private sellers or auctions, with secure transfer and payout processes to protect both you and the seller. This flexibility means you can shop with confidence and access a wider range of vehicles.

Many BYDs can be financed under business lending products, particularly practical vehicles like the Shark 6 ute or Sealion 6 SUV. Options include low-doc loans, chattel mortgages, or leasing solutions designed to support cash flow and offer potential tax benefits. Ausloans brokers will help you choose the right option to suit your business needs.

Turnaround times vary by lender, but many Australians are approved in as little as one business day once documents are supplied. Some cases may take longer if more checks are needed. With Ausloans, a dedicated broker manages the process, keeps things moving, and updates you regularly so you’re not left in the dark. That means less waiting around and more time planning your next BYD purchase.

If you’re chasing a vintage Mustang, a restored Falcon GT, or another collectible Ford, there are finance options available outside the standard car loan market. Ausloans partners with lenders who specialise in enthusiast and classic vehicles, providing finance that takes into account the unique value of heritage models. That means you can spread the cost of your dream classic Ford without relying solely on cash or personal loans.