GET A LOAN

Get A Personal Car Loan That Fits Your Budget

Looking for a better way to buy your next car? Apply online and get matched with personal car loan and car finance options that suit your income and lifestyle.

$10,000
$5,000 $100,000

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

You need a reliable car, but you also need repayments you can live with.

Need a new car but the price tag feels out of reach right now

Maybe the old car is costing you in repairs, the family has outgrown the small hatchback, or you just want something safer for the kids. Paying for a new or used car all in one hit is just not realistic, and sorting out finance can feel confusing. You want clear answers, not jargon about comparison rates and balloon payments.

You are not the only one trying to balance car costs with a normal household budget

Most Aussies have plenty on their plate already, from rent or mortgage payments through to groceries, kids activities, power bills and everything in between. You want a fair deal on a personal car loan, not something that locks you in or stretches your finances too far. You also want to understand how car loan interest rates work so you can choose with confidence.

That is where the right personal car loan and car finance options can help

We help you compare personal car loan offers from a panel of Australian lenders. You apply online once, tell us about the car you are looking at and your situation, and we help match you with car loans Australia wide that are more likely to suit. You can look at options for: Buying from a dealer or private seller; New or used cars, depending on your budget; Fixed term loans where you know your repayments up front. We keep things simple so you can focus on choosing a car, while we help you explore the finance side.

More clarity around car finance, less guesswork

Different lenders have different car loan interest rates, fees and terms. We help you locate these so you can see the trade off between payment size, length of the loan and overall cost. Many lenders allow extra repayments without penalty, so if you get ahead, you can pay down your car loan faster and save on interest. Instead of guessing and hoping for the best, you take a clearer, more informed path to the right personal car loan for you.

So you can drive away in a car that is right for your family, not just your wallet today

The right personal car loan is about more than getting approved. It is about finding a car finance option that lets you drive a vehicle that is safe and reliable, while still keeping room in the budget for the rest of life. Whether it is school runs, weekend sport, road trips or the daily commute, we help you find car finance that supports the way you live.

Benefits

  • tick icon Borrow from $5,000 to $100,000
  • tick icon Bad credit car loans for people with past defaults or low scores
  • tick icon Options for car loans across Australia
  • tick icon Use for work cars, family vehicles or everyday transport
  • tick icon Car loans for dealer sales or private sales
  • tick icon Clear repayments and terms so you know where you stand
  • tick icon Most lenders allow extra repayments without early payout penalties
  • tick icon Simple online process to be matched with car lenders
  • tick icon We don't charge any fees

Get Approved in 3 Simple Steps

Apply online

1. Apply online

Find the loan type that fits your needs - then complete our easy online application form to get started.

We match a lender

2. We match a lender

We partner with multiple lenders, giving you access to loan solutions you won’t always find at the big banks.

get loan approved

3. You get approved!

If you’re eligible, loan approval, signing & funding can happen really fast. Some loan types can take a little longer to approve.

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.

Our Most Popular Reasons for Getting a Personal Loan

Vehicle Expenses

Loans for car or bike repairs & servicing, regos and similar vehicle costs to keep you on the road.

Home Renovations

Get funds for home improvements and repairs, usually from $5,000 to $50,000 unsecured.

Medical Bills

Loans for doctor or specialist fees & costs, these loans help you cover unplanned medical expenses.

Fast Loans Online

For when you need a fast cash loan from trusted lenders who don’t waste time with red tape.

Emergency Loans

When life throws a curve ball - a fast, emergency loan can help you stay on top without the stress.

Travel Loans

Finance an overseas holiday, an Aussie road trip, or a local getaway. Also for emergency travel.

Frequently Asked Questions

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

Personal Loan Types & Examples

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Small Loans

Loan Amount
$500 - $2,000

Loan Term
3-12 months

Maximum Charges
20% Establishment Fee, 4% Monthly Fee.

Loan Example

A $1,000 over 3 months repayable weekly.
$1,000 (Principal Amount) + $200 (20% Establishment Fee) + $120 (fees based on 4% per month over 12 weeks) = $1,320 total loan repayable that is in 12 weekly instalments of $110.

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Medium Loans

Loan Amount
$2,001 - $5,000

Loan Term
12-24 months

Maximum Charges
Up to 48% interest rate. Establishment Fee $400.

Loan Example

A $3,000 loan over 12 months in 52 weekly payments. $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,339.40 (interest on reducing balance) = $4,339.40 total repayable over 12 months in weekly instalments of $83.45

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Large Loans

Loan Amount
$5,001 - $100,000

Loan Term
12-84 months

Maximum Charges
Up to 48% interest rate.
Fees vary.

Loan Example

$20,000 borrowed over 60 months repayable weekly. $20,000 (Principle Amount) + $4,904.62 (reducing interest) = $24,904.62 total repayable over 60 months in weekly instalments of $95.42. Interest / comparison rate 8.95% PA.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower’s credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.