Car Loans That Save You Money
Don't pay dealer markup. Compare rates from 20+ lenders and get the car finance you deserve.
New or used, personal or business—we find competitive rates with fast approval. Pre-approval in hours, not days.
5.99%
New cars from
7.49%
Used cars from
Same Day
Approval
Car Loan Options
Whether you're buying new, used, or refinancing an existing loan, we have options to suit.
New Car Loans
Finance your brand new vehicle with competitive rates. Often the lowest rates available as lenders view new cars as lower risk.
- Rates from 5.99% p.a.
- Terms up to 7 years
- No deposit options
- Balloon payments available
Used Car Loans
Great rates on quality used vehicles. We work with lenders who specialise in used car finance for vehicles up to 15 years old.
- Rates from 7.49% p.a.
- Vehicles up to 15 years
- Private sale or dealer
- Flexible terms
Car Refinance
Already have a car loan? You might be paying too much. We can help you refinance to a lower rate and save thousands.
- Potentially lower rates
- Reduce repayments
- Access equity
- No exit fee (usually)
Why Use a Car Loan Broker?
Dealer finance works for the dealer, not you. Bank finance is one option. We compare 20+ to find your best deal.
Better Than Dealer Finance
Dealers often mark up rates by 2-4%. We compare wholesale rates from 20+ lenders to find you a better deal.
Pre-Approval in Hours
Know your budget before you shop. Pre-approval gives you negotiating power and confidence at the dealership.
Protect Your Trade-In Value
With pre-approval, you can negotiate the car price and trade-in separately—often getting a better overall deal.
Flexible Repayment Options
Choose weekly, fortnightly, or monthly. Add a balloon payment to reduce monthly costs. We tailor the loan to you.
How It Works
From first chat to driving away—here's what to expect.
Quick Chat
Tell us about the car you want and your budget. We'll explain your options in plain English.
Get Pre-Approved
We submit to lenders and get you pre-approved, usually within hours. Shop with confidence.
Find Your Car
Shop at dealers or private sellers knowing exactly what you can spend. Negotiate from strength.
Finalise & Drive
Once you find the car, we finalise the paperwork. Funds go to the seller, you get the keys.
See Your Repayments Instantly
Use our car loan calculator to estimate your repayments. Adjust the loan term, deposit, and balloon payment to find a structure that works for your budget.
Open Car Loan CalculatorExample Repayments
$30,000 loan
5 years @ 7.49%
$600/mo
$50,000 loan
5 years @ 6.99%
$990/mo
$70,000 loan
5 years @ 6.49%
$1,370/mo
*Indicative only. Actual rates depend on credit profile and lender criteria.
Car Loan FAQs
Can I get a car loan with no deposit?
Yes, many lenders offer 100% finance for approved applicants. However, a deposit (even 10%) often gets you a better rate and lower repayments.
What's a good interest rate for a car loan?
Currently, competitive new car rates start around 5.99-7.49% p.a., and used car rates from 7.49-9.99% p.a. Your actual rate depends on your credit history, income, and the vehicle.
Should I use dealer finance or a broker?
Dealers often mark up rates by 2-4% because they earn commission. A broker compares multiple lenders to find you a better rate—usually saving you thousands over the loan.
How old can a used car be for finance?
Most mainstream lenders finance vehicles up to 10-12 years old at end of loan term. Some specialist lenders go older. The car's condition and value matter more than age alone.
Can I pay off my car loan early?
Most car loans allow early repayment without penalty. Fixed rate loans may have break costs. We'll explain any fees upfront before you commit.
Ready to Get Your Car Loan?
Get pre-approved in hours, not days. Compare rates from 20+ lenders. Free, no-obligation quote.
J2C responds within 2 hours during business hours