Car finance, every structure
New, used, EV, refinance, novated, and chattel mortgage. We explain the panel, the structure, and the maths so the dealer's first quote stops looking magic.
Quick repayment estimate
Move the sliders to see how rate, term, and amount move the monthly figure. Hypothetical: this is not a quote.
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Every car-loan structure, in one place
New, used, EV, refinance, novated, chattel, low-doc, no-deposit, bad-credit. Each has a different lender shortlist; the broker picks the one that fits your application.
New Car Loans
Finance for a new vehicle with the dealer-vs-broker maths laid out side by side, plus how green-car incentives change the picture.
- Broker channel rates
- Up to 7-year terms
- Green car incentives
Used Car Loans
Competitive rates for quality pre-owned vehicles. Finance cars up to 15 years old with select lenders.
- Cars up to 15 years old
- Secured options
- Private & dealer
Bad Credit Car Loans
Specialist lenders who work with impaired credit histories. Get behind the wheel even with defaults or bankruptcy.
- Defaults considered
- Bankruptcy OK
- No judgement
Secured Car Loans
Use the vehicle as security to access the secured-loan tier on the broker panel. Lower-rate band on like-for-like applications.
- Secured-tier pricing
- Vehicle as security
- Fixed & variable
Unsecured Car Loans
No asset at risk with an unsecured personal loan for your car purchase. Ideal for older vehicles.
- No security needed
- Older cars OK
- Flexible use
Electric Vehicle Loans
Discounted green finance rates for EVs and plug-in hybrids. Take advantage of FBT exemptions and state incentives.
- Green discount rates
- FBT exempt
- State incentives
No Deposit Car Loans
100% finance with no upfront deposit required. Drive away today with nothing down for qualifying borrowers.
- 100% financing
- No savings needed
- Quick approval
Low Doc Car Loans
Self-employed or ABN holders with limited paperwork? Low-doc options with streamlined verification.
- ABN holders
- Self-employed
- Minimal paperwork
Private Sale Car Loans
Finance a vehicle purchased privately through Gumtree, Facebook Marketplace, or directly from a seller.
- Private purchases
- Valuation support
- PPSR checks
Chattel Mortgage
Business vehicle finance with tax-deductible interest and depreciation. Claim GST on the purchase price.
- Tax deductible
- Claim GST
- Business use
Novated Lease
Salary package your next car through your employer. Save on GST, income tax, and running costs.
- Salary packaging
- FBT savings
- Running costs included
Refinance Car Loan
Switch your existing car loan to a lower rate and reduce your monthly repayments. Free refinance assessment.
- Lower your rate
- Reduce repayments
- Free assessment
Business Car Loans
Fleet finance, ABN holder car loans, and commercial vehicle funding for Australian businesses.
- Fleet discounts
- ABN holders
- Tax benefits
Ute Finance
Finance your work ute or dual cab. Tradie-friendly options with fast approval for ABN holders.
- Dual cab & single
- Tradie specials
- Business use
Truck Loans
Light and heavy commercial truck finance. Rigid bodies, prime movers, and everything in between.
- Light commercial
- Heavy vehicles
- Flexible terms
Motorcycle Loans
Finance your next motorcycle, scooter, or e-bike. Competitive rates for all types of two-wheeled transport.
- All bike types
- New & used
- Competitive rates
Caravan Loans
Hit the road with caravan and motorhome finance. Touring caravans, pop-tops, fifth-wheelers, and camper trailers.
- All caravan types
- Motorhomes
- Up to 15 years
Boat Loans
Marine finance for runabouts, cruisers, fishing boats, jet skis, and sailing vessels across Australia.
- All vessel types
- Jet skis
- Marine specialists
Finance by what you're driving
The lender shortlist shifts depending on the asset. A late-model SUV finances differently to a 12-year-old ute, a touring caravan, or a jet ski. Pick the vehicle and the lender list narrows itself.
Car finance, with the dealer maths taken apart
Dealer finance is engineered to win your attention while you are already in the showroom. The car, the trade-in, and the finance get bundled into a single monthly figure that hides where the margin sits. A broker breaks the bundle apart, prices the loan against a panel of 50+ Australian lenders, and lets you negotiate the car price as a separate conversation. Under Best Interest Duty, the broker is required to put your interests first; the lender pays the commission on settlement, with full disclosure in the Credit Guide.
Fast pre-approval
Most applications get a conditional decision the same business day. Formal approval depends on the lender and the supporting documents.
50+ lender panel
Brokers in the partner network shop a panel of more than 50 Australian banks, credit unions, and specialist car-finance lenders.
Broker-channel pricing
Brokers can access wholesale and broker-channel rates that often sit below the rates a walk-in customer is shown at a bank or dealer.
No fee to the borrower
The broker is paid a commission by the lender on settlement. Full disclosure sits in the Credit Guide before you sign anything.
What the broker channel covers
- 50+ Australian car-finance lenders on the panel
- $5,000 to $150,000+ on most structures
- New, used, EV, novated, and refinance covered
- Same-business-day conditional decision typical
- No fee to the borrower; lender pays commission on settlement
What readers say about the car loan guides
A small sample of feedback from readers who have worked through the car finance content. Edited for length.
The dealer-finance vs broker walk-through was the most useful thing I read all month. Came in knowing what questions to ask.
Plain English on bad-credit car finance, finally. Helpful framing on what defaults actually do to an application.
The refinance maths is laid out properly. Showed exactly when switching pays and when it does not.
- NewsCar loan rates after the May hike: what borrowers are paying in mid-2026
- NewsNovated leasing in 2026: where the EV FBT exemption stands now, and what it means for your packaged car
- BlogElectric Vehicle Incentives Australia 2026: Every Federal & State Incentive Explained
- BlogGreen Car Loans Explained: Lower Rates for Eco-Friendly Vehicles
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Car Loan FAQs
What rate can I expect on a car loan in Australia?
How much can I borrow for a car loan?
Can I get a car loan with bad credit?
Is it better to get a car loan from a bank or a broker?
How long does car loan approval take?
Should I get pre-approved before car shopping?
Ready to shop the panel properly?
Tell us your situation and the broker network will return with options that fit. No fee to you. No obligation. Education first, finance after.