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Personal Car Finance

At Ausloans, we make it easy for you to secure finance for any vehicle, whether it’s your first car or an upgrade to something luxurious.

In just 60 seconds, you can view personalised finance options from our panel of over 40 lenders, with full transparency on interest rates, fees, and repayments. Simply complete our online form, and we’ll match you with the best offers that suit your profile. Don’t worry, checking your rate won’t affect your credit score, and there’s no obligation to proceed.

If you’re happy with the rates, provide a few extra details, and we’ll pre-vet your application to make sure you're likely to get approved before we submit it to the lender.

Why Choose Ausloans?

Instantly compare 70+ lenders to find your best rate loan offer
Personalised rates based on your credit score and vehicle
Check your rate without impacting your credit score
We ensure you meet the lender’s approval criteria before submitting your application

Business Car Finance

At Ausloans, we provide a wide range of business car finance options designed to help your business grow. With our flexible solutions, including chattel mortgage and low-doc loans, we make it easy for you to secure the vehicle you need without the hassle.

When you apply, you’ll be connected with one of our expert brokers who will work to find the lowest possible rates from our extensive panel of over 40 lenders. You’ll benefit from competitive rates, flexible terms, and a smooth, efficient application process.

Why Choose Ausloans for Business Car Loans?

Low-doc options available for minimal paperwork
Competitive rates that help you save
Quick and simple application process
Support for businesses of all sizes

When Should You Consider a Business Car Loan?

If your vehicle will be used primarily for business purposes
You need finance with minimal paperwork
You want to finance your car without disrupting your cash flow

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Using Ausloans loan comparison and approval pre-check won't affect your credit score until you proceed with a lender.. Start by checking your loan and rate options with our no-obligation finance checks.

Car Loan Calculator

Estimate repayments at a fixed 7.49% p.a. (comparison rate 8.18% p.a

Loan amount

$25,000.00

$8,000$100,000

Loan term

Repayment schedule

Balloon (optional)

% (max 60%)

Current balloon: $0.00

* Calculations are estimates only and assume a fixed rate of 7.49% p.a. (comparison rate 8.18% p.a.). Fees and charges may apply. Actual repayments may differ.

Estimated Weekly Repayment

$0.00

Loan amount

$25,000.00

Balloon

$0.00

Interest rate

7.49% p.a.

Comparison rate

8.18% p.a.

Equivalent weekly: $0.00

Personalise your Rate

Compare 70 lenders to unlock your best personalised rate.

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)
Not be in an undischarged bankruptcy or part 9 debt agreement.

*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.
*** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.

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:

Drivers license
ABN number

Or if you are employed:

Two recent payslips

Can I get a loan if I am bankrupt?

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 277 689 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.

Yes, you can get approved for a used car loan with Ausloans. Used car loans are a type of personal loan that enables you to finance a second-hand car that's typically over a certain age. To learn more about used car finance speak to your Ausloans broker.

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 car loan applicants, we created 1800Approved; 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.

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.

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.

MOST AFFORDABLE CAR LOANS IN AUSTRALIA

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CAR FINANCING

Simply select the car financing option that best suits you, business or personal use

Personal Car Finance

Business Car Finance

COMPARE 70+ LENDERS. ONE APP. ZERO CREDIT SCORE DAMAGE.

Ausloans connects you with the right lender from our wide network — no shopping around, no unnecessary credit hits.

DON'T LET LOAN HUNTING KILL YOUR CREDIT SCORE

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