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Car Loans Australia
Private & Commercial Car Loans for New & Used Vehicles
Car Loans Australia :: Home

Car Loans Australia: Quick Quotes & Fast Eligibility Assessment

If you're looking for a great car loan deal for a new or used vehicle purchase or refinance, you are in the right place. Car Loans Australia provides a free service to help you find, and pre-qualify for, the right car loan, from a selection of participating specialist Car Loan Brokers, Banks & Non-bank Lenders, from our nation-wide referral partner network, without accessing or affecting your credit file!!

Let's help find your car loan!

Loan Amount:
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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Any Purpose

New car purchase, Used car buyers, Refinancing, Private sale, Dealer purchase.

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Any Situation

We can help find your next car loan regardless of your employment situation or credit history.

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All Features

Secured Car Loans, Unsecured Finance, Vehicle Leasing, Hire Purchase, Chattel Mortgage, Major Banks, Non-bank Lenders, Lo/No-doc Loans.

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Free assessment

Simply complete our short online loan enquiry form for direct access to a specialist broker or lender who can best accomodate your specific needs and circumstances.

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Multiple lenders

When you submit an online loan enquiry with us, We match your enquiry with a qualified broker or lender who can access a range of finance options from their panel. This may not represent all possible lenders or products available in the market.

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No credit check on enquiry

Submitting your initial finance enquiry with us does not involve a credit check or create an entry on your credit file. Your details are used for our preliminary eligibility assessment and to match you with a broker or lender. If you choose to proceed with a referred broker or lender, they may conduct a credit check in line with their application process, which could affect your credit file. Multiple credit file enquiries can make it more difficult to obtain a loan and may limit your options.

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Not yet ready to buy?

Use our free, no-obligation eligibility assessment to get an indication of how much you may be able to borrow based on typical criteria used by our participating lenders. This is not a loan approval or offer, but it can help you go car shopping with a clearer idea of your likely borrowing capacity.

Just complete our simple car loan eligibility application form and a fully qualified car loan broker from our referral network will set out your options for achieving what you want to do. Any guidance or recommendations will be provided by the licensed broker or adviser to whom your enquiry is referred.

If you do not currently qualify automatically to borrow enough money to buy your dream car right now, your car loan broker can help you by:-

  • explaining all of the options and alternatives that may currently be available to you;
  • showing you exactly what more you need to do in order to borrow the amount you need now;
  • outlining exactly what you will need to do in order to qualify at some time in the future and;
  • maintaining contact with you to provide ongoing information and assistance as you require until you are ready to buy.

How we work for you!

We do not rely on automated software to provide "instant" car finance recommendations ... because we believe that no software can completely comprehend the specific needs of any individual in determining the most appropriate car finance products or options.

When you apply for a free assessment on this website, your enquiry details are provided to a qualified broker from our referral panel, who will then utilise the latest product analysis research and technology in order to tailor any recommendations and product comparisons to your personal circumstances. Car Loans Australia does not itself provide financial product advice or credit assistance; this is provided solely by the licensed broker or adviser to whom your enquiry is referred.

Therefore it is important, when you complete your eligibility assessment application, that you answer all questions as completely and as accurately as possible.

Car Loans Australia Weekly Motoring and Market News Wrap

Podcast Cover Image This week: fixed rates lift again and a major bank tips three more RBA hikes in 2026, so car finance costs may edge higher—pre‑approval and comparison are key. The federal government halves the fuel excise for three months from April 1, offering short‑term relief while supply stays tight. EV interest surges as more budget models arrive; consider total running costs and potential FBT benefits on eligible novated leases. From October, the RBA will ban card surcharges and cut interchange caps, meaning fewer checkout surprises at servos and dealers. Visit car-loans-australia.com for free eligibility checks and personalised quotes.

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Car Loans Articles

Avoiding Financial Pitfalls: Tips for First-Time Car Buyers in Australia
Avoiding Financial Pitfalls: Tips for First-Time Car Buyers in Australia
Before taking the plunge into car ownership, it's crucial to have a clear view of your current financial health. Start by evaluating your income, monthly expenses, and any savings you may have set aside. This assessment will give you a realistic picture of how much you can allocate towards buying a car without straining your finances. - read more
Fixed vs. Variable Interest Rates: Which Car Loan is Right for You?
Fixed vs. Variable Interest Rates: Which Car Loan is Right for You?
Purchasing a car is a major financial decision for many Australians, and it often involves securing a loan. With numerous options available, navigating the car loan landscape can be overwhelming. Understanding your choices is essential for finding the loan that best suits your needs. - read more
From Fuel to Finance: A Comprehensive Breakdown of Car Costs
From Fuel to Finance: A Comprehensive Breakdown of Car Costs
When it comes to owning a car in Australia, many of us view it as a symbol of freedom, an essential convenience, or even a reflection of our personal style. Yet, for all the road trips planned and errands run, the cost of owning a car extends well beyond the sticker price. - read more
The Smart Aussie Buyer's Guide to Securing the Best Price on a New Car
The Smart Aussie Buyer's Guide to Securing the Best Price on a New Car
There's a unique thrill that comes with purchasing a new car; it's not just about getting from point A to B, but about fulfilling a dream and the freedom of the open road. However, with the excitement comes the need for careful planning and smart decision-making to ensure that your investment pays off in the long term. - read more
5 Strategies for Balancing Your Budget with a New Car Loan
5 Strategies for Balancing Your Budget with a New Car Loan
With the excitement of purchasing a new vehicle, the financial responsibilities that come with a new car loan can often be overlooked. Balancing your budget when you have taken on a new car loan is crucial to financial well-being and long-term happiness with your purchase. In this article, we will explore five practical strategies that can help you navigate the common financial challenges that accompany car loans. - read more

Finance News

How Digital Finance is Transforming Car Purchases in Australia
How Digital Finance is Transforming Car Purchases in Australia
02 Apr 2026: Paige Estritori
The landscape of car purchasing in Australia is undergoing a significant transformation, driven by the rapid adoption of digital finance solutions. Traditional methods of securing car loans are being replaced by streamlined online processes, offering consumers faster approvals and enhanced convenience. - read more
ASIC Calls for Strengthened Consumer Protections in Car Finance
ASIC Calls for Strengthened Consumer Protections in Car Finance
02 Apr 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the nation's motor vehicle finance sector, uncovering significant issues that raise concerns about responsible lending practices. The findings indicate that some consumers are being subjected to exorbitant fees and are defaulting on their loans shortly after approval. - read more
Why Australians Are Turning to Novated Leasing in a High-Interest Market
Why Australians Are Turning to Novated Leasing in a High-Interest Market
02 Apr 2026: Paige Estritori
In the current economic climate, characterized by elevated interest rates and high vehicle prices, Australians are increasingly exploring alternative methods of financing their car purchases. One such method gaining popularity is novated leasing, which offers a cost-effective and tax-efficient alternative to traditional car loans. - read more
ASIC Calls for Improved Consumer Safeguards in Car Finance Sector
ASIC Calls for Improved Consumer Safeguards in Car Finance Sector
25 Mar 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the motor vehicle finance sector, uncovering significant issues that adversely affect consumers. This investigation was initiated in response to a surge in complaints regarding high costs associated with car financing. - read more
Australian Car Buyers Increasingly Postpone Finance Decisions
Australian Car Buyers Increasingly Postpone Finance Decisions
25 Mar 2026: Paige Estritori
Recent research indicates a growing trend among Australian car buyers to delay decisions regarding vehicle financing. A study conducted by carsales reveals that only 71% of buyers have determined their financing method before commencing their vehicle search, a decrease from 77% in previous years. - read more
Click for more Finance News

Need Help Finding a Loan?
Get a free car loan eligibility assessment and compare offers tailored specifically to your circumstances.

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Loan Amount:
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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.
All finance quotes are provided free (via our secure server) and without obligation.
We respect your privacy.

Knowledgebase
Balloon Payment.:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in the future.


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IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.