New Car Loans Australia: Compare Rates From 30+ Lenders
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Estimate your repayments instantly — no credit check required
Estimates only. Actual rates depend on your credit profile.
Financing a brand new car? Get our lowest available rates
New vehicles attract some of the most competitive interest rates on our entire lender panel, because a brand new car represents the lowest risk security for a lender.
Whether you're buying through a dealership or ordering direct from the manufacturer, we compare our full panel of 30+ lenders to lock in the lowest possible rate on your new vehicle — with terms up to 7 years and same-day pre-approval available.
Competitive New Car Loans with Fast Online Pre-Approval
Unlocking the keys to your dream car shouldn't mean jumping through endless bank hoops. Whether you are eyeing a fuel-efficient city hatch, a rugged family SUV, or a premium luxury sedan, our streamlined new car loans are designed to maximize your borrowing power while keeping your monthly repayments low.
By leveraging our extensive panel of Australia's leading lenders, we shop the market on your behalf to secure fixed interest rates that aren't available to the general public.
Apply for New Car LoanGet pre-approved and shop with confidence.
Pre-approval is free, takes minutes, and gives you a significant advantage when buying a car.
Know Your Budget Before You Shop
Walk into any dealership or approach any private seller knowing exactly how much you can borrow and at what rate. No surprises, no disappointment.
Stronger Negotiating Position
When you have pre-approved finance, you're a cash buyer in the seller's eyes. That negotiating power translates directly into a lower purchase price.
Move Fast on the Right Car
The best cars sell quickly — especially in private sale. With pre-approval in hand, you can commit immediately without waiting days for finance to be arranged.
No Credit Score Impact
Pre-approval uses a soft credit enquiry only. Your credit file isn't touched until you formally proceed with a lender.
Valid for 30–90 Days
Pre-approval gives you time to shop without the clock ticking. Take the pressure off and find the right vehicle at the right price.
Avoid Dealer Finance Traps
With your own finance pre-approved, you can confidently decline the dealership's in-house finance — which is almost always at a higher rate.
Why Choose a Secured New Car Loan?
When you finance a brand-new vehicle, the car itself serves as security for the lender. Because a new car carries a lower risk of mechanical failure and retains a higher asset value, lenders reward you with our absolute lowest fixed interest rates.
Lower Fixed Rates
Pay less interest over the life of your loan compared to used car or unsecured finance options.
Flexible 1 to 7-Year Terms
Choose a loan term that perfectly matches your household budget and long-term financial plans.
No Hidden Fees
We believe in absolute transparency—enjoy clear upfront terms with zero hidden monthly account keeping fees.
Balloon Payments: Lower Your Loan Repayments
Looking for a way to keep your weekly or monthly outgoings to an absolute minimum? Ask our asset finance experts about structuring your new car loan with a balloon payment (residual value).
By deferring a percentage of the car's cost to the final day of your loan term, you can significantly lower your ongoing repayments. When the term ends, you can simply pay out the balloon amount, refinance it, or trade the vehicle in for a newer model.
Poor credit history? You can still finance a new car.
A less-than-perfect credit file doesn't rule out financing a brand new vehicle. We have specialist lenders who assess new car applications on your current financial stability, not just your credit score.
Our brokers work through your full situation and match you with the lender most likely to approve your new car finance — even with past defaults or missed payments on file.
Four simple steps to your new car.
Most customers are driving away within 24 hours of applying.
Apply Online in 2 Minutes
Fill in our quick form — no paperwork, no stress. Tell us what car you're looking to finance and your situation. Won't affect your credit score.
We Compare 30+ Lenders
Your dedicated broker searches our full lender panel to find the best rate and terms for your profile and the vehicle you're buying.
Approve Your Best Rate
See your personalised options side by side. Choose the loan that works best for you — full transparency, no hidden fees.
Drive Away!
Loan settled, paperwork handled. You pick up your car — often within 24 hours of submitting your application.
Are You Eligible? Simple Criteria for New Car Finance
Getting approved for a new car loan is quick and straightforward. To qualify for our competitive market rates, you generally need to meet the following criteria:
We work for you — not the banks.
30+ Lenders Competing For You
Our lender panel competes for your business — driving rates down and your options up. You get the best deal, not the most convenient one for the bank.
Zero Credit Score Impact
Our initial quote process uses a soft enquiry only. Your credit score is never touched until you're 100% ready to proceed — and only with your consent.
24-Hour Approvals
Pre-approvals in minutes. Formal approvals typically within 24 hours. We've helped thousands of Aussies drive away the same week they applied.
Expert Dedicated Broker
You get a real human broker who manages your application from start to settlement. Not a chatbot. Not a call centre. A dedicated finance specialist.
Rates from 5.68% p.a.
Because we compare 30+ lenders simultaneously, we consistently secure rates that beat what banks and dealers offer directly.
Bad Credit Specialists
Defaults, missed payments, or a past bankruptcy? We have specialist lenders who work with all credit types. We find options others can't.
New car finance — tailored to you.
Whether you're buying new, used, EV, or refinancing — we have a solution tailored to your needs.
New Car Loans
Finance your brand new vehicle with competitive rates from our 30+ lender panel. New cars attract some of the lowest rates available.
Used Car Loans
Don't let a pre-owned vehicle hold you back. We finance used cars of all ages and conditions, with lenders who specialise in older assets.
EV & Hybrid Loans
Go green with competitive EV finance. Some lenders offer preferential rates for electric and hybrid vehicles.
Car Loan Refinance
Already have a car loan? Refinancing could save you hundreds per month. We compare options to find you a better deal.
ABN Car Loans
Self-employed or running a business? We structure car loans for ABN holders to maximise your tax benefits and cash flow.
Bad Credit Car Loans
Previous credit issues? We work with specialist lenders who assess your full situation — not just your credit score.
Customer Reviews.
"From application to approval in under 2 hours. The broker kept me updated the whole time. Rate was significantly lower than what my bank quoted. Couldn't be happier!"
"As someone self-employed I expected a nightmare. These guys found me a lender that actually understood my situation. Sorted in 24 hours. Absolute legends."
"Saved $4,200 compared to the dealer's in-house finance. The whole process was clear and transparent from day one. Will use again without question."
Car finance across Australia.
We help drivers in every major city secure the best car loan rates. Explore your local page for tailored car finance options.
Common car loan questions.
Still have questions? Call us — we're always happy to chat.
Ready to find your best new car loan rate?
No credit impact. No broker fees. No obligation. Just a free, personalised new car loan quote from Australia's specialists.