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MOST AFFORDABLE CAR LOANS IN AUSTRALIA   

With Ausloans AI, we guarantee your best loan match from over 40+ lenders, maximising your approval chances — fast, easy and hassle-free. 

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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.

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Personal Use
Business Use

PERSONAL CAR FINANCE

Whether you're looking to finance your first car or upgrade to a luxury vehicle, Ausloans has you covered. With access to a network of top car loan lenders, we can help find a financing solution that fits your needs and budget, including no deposit options, balloon payments, and extended loan terms. Complete our simple online form to check your financial power and receive personalised rate offers from our extensive panel of lenders. No obligation, and it won't affect your credit score.

BUSINESS CAR FINANCE

Looking to finance a vehicle for business use? Ausloans offers a range of finance solutions to suit your business structure, budget, and cash flow needs, including chattel mortgage and low-doc vehicle finance options for new ABN holders. Complete our simple online form to check your financial power and receive personalized rate offers from our extensive panel of lenders. No obligation, and it won't affect your credit score.

Don't overpay for your car loan!

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SUCCESS STORIES

SECURED CAR LOAN

A secured car loan is a financing option where the car you're purchasing is used as security for the loan. This lowers the risk for lenders, which often means you’ll get lower interest rates compared to unsecured loans.

With fixed interest rates and set repayments, it’s easier to budget, and you may save money over the life of the loan. If the car is used for business purposes more than 50% of the time, a chattel mortgage (a type of secured business loan) might be a more suitable option.

BENEFITS OF A SECURED CAR LOAN

✔ Borrow more with flexible loan terms
✔ Enjoy lower interest rates than unsecured options
✔ Fixed rates for predictable, consistent repayments
✔ Balloon payment options available to reduce monthly costs

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WHAT IS AN UNSECURED CAR LOAN?

An unsecured car loan works like a personal loan for purchasing a car, meaning it’s not secured against the vehicle. Instead of using the car as collateral, lenders evaluate your credit score, income, and financial history to determine your eligibility.

Because there’s no asset backing the loan, lenders take on more risk—so interest rates are typically higher, and borrowing limits may be lower than with secured car loans. Some unsecured car loans also offer variable interest rates, which can fluctuate over time.

FEATURES OF AN UNSECURED CAR LOAN

✔ Not tied to the vehicle you’re purchasing
✔ Lower borrowing limits compared to secured car loans
✔ Higher interest rates due to increased lender risk
✔ Fixed or variable interest rate options available

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COMPARE 40+ LENDERS IN ONE APPLICATION - ZERO CREDIT SCORE DAMAGE

No shopping around. No guessing games. No hidden costs. 

 

WE MAKE CAR LOANS EASY. 

40+ Lenders

With one of the largest lending panels in Australia, it is easy to offer you the best car loans.

Great Low Rates

Our massive lending panel allows us to find you the best car loan rates.

Fast Approval

With our AI software, we match you with a lender and pre-approve your car loan in minutes.

Paperless Application

Online car loan application; easily upload and sign documents directly from your phone or computer.

Soft Credit Touch

Applying won’t affect your credit score.We only do a credit check after you’ve spoken with a broker and chosen a lender to proceed with.

Personal Broker

Your personal broker will keep you informed and find the best deal for you.

Personal Broker

3 STEP CAR FINANCE

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APPLY
ONLINE

Complete our 2 minute online loan comparison and finance approval pre-check and our powerful AI will start unlocking your lender options with no impact on your credit score

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UPLOAD YOUR DOCS

Upload your documents through our safe and secure upload portal to verify your information and our AI will match you with your best personalise rate offers with no impact on your credit score.

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CHOOSE YOUR LENDER AND GET APPROVED

Review your loan options with our finance expert. They will give you a call to help you choose your best lending option and if you want5 to proceed will submit the application for approval on your behalf.

FIND MY BEST RATE LENDER NOW

FAST EASY FINANCE TRUSTED BY 1000'S OF AUSSIES

5 star service and finance success for customers of all credit profiles

 

We work for you. not the banks!

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MORE ABOUT AUSLOANS CAR LOANS

Do I qualify for finance?
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?
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?
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 get a car loan if I am self-employed?
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. 

Can I finance a used car?
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. 
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 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. 
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. 
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