Car Loans To Help You Get The Right Vehicle For Your Life

Q: What is a personal car loan?

A personal car loan is a loan used to purchase a vehicle for personal use, such as a family car, SUV or everyday transport. The loan is usually secured against the vehicle and repaid in fixed instalments over an agreed term.

Q: Can I buy a used car with a personal car loan?

Yes, personal car loans can be used to purchase both new and used vehicles. The car must usually meet the lender’s age and condition requirements.

Q: Can I make extra repayments on a personal car loan?

Many lenders allow extra repayments without penalty, which can help reduce interest over the life of the loan. Repayment flexibility varies by lender and loan agreement.

Q: What is the difference between a chattel mortgage and a finance lease?

With a chattel mortgage, you own the vehicle from the start and the lender registers a security interest over it. With a finance lease, the lender owns the vehicle and you make lease payments for its use. The right structure depends on your business setup and accounting advice.

Q: Can I buy a used vehicle with commercial vehicle finance?

Yes, commercial vehicle finance is available for both new and used vehicles. The vehicle must generally meet the lender’s age and condition criteria.

Whether it is your first car, a family upgrade or a workhorse for the job, apply online for car loans that can fit your budget.

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Car finance arranged through our 70+ lender panel, sized to your next car

We’re an accredited Australian finance broker , not a lead matching platform. One application through Get A Loan compares your car finance options across 70+ lenders on our panel and arranges the loan that fits the car and your budget. No fees to you , we’re paid by the lender.

Apply in minutes

No fees to you

70+ lender panel

No credit score impact

Personal Car Loans

New or used, dealer or private sale. Fixed rate, secured against the car for sharper pricing.

Finance your next car

Business Car Loan

Chattel mortgage, lease or hire purchase for utes, vans and work vehicles. Tax-effective for ABN holders.

Finance a work vehicle

Bad Credit Car Loans

Specialist lenders who weight current income and stability over past credit hits.

Apply with bad credit

Not sure which car loan to pick?

Apply once and our brokers will compare options across our 70+ lender panel to find the right car finance for you.

Apply Now

Get Approved in 3 Simple Steps

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Frequently Asked Questions

What is a personal car loan?

Can I buy a used car with a personal car loan?

Can I make extra repayments on a personal car loan?

What is the difference between a chattel mortgage and a finance lease?

Can I buy a used vehicle with commercial vehicle finance?

Still have questions? We’re here to help. Contact our team anytime.

Car Loans To Help You Get The Right Vehicle For Your Life

Car finance arranged through our 70+ lender panel, sized to your next car

Personal Car Loans

Business Car Loan

Bad Credit Car Loans

Not sure which car loan to pick?

Get Approved in 3 Simple Steps

1. Apply online

2. We source a lender

3. You get approved!

Eligibility Criteria

Verify Age & Address

Australian Residency

Verify Your Income

Banking & Credit History

Frequently Asked Questions

Personal Loans

Business Loans

Car & Leisure Loans

Contact

Support