Finance 

KEEP IT MOOVIN IN PARTNERSHIP WITH AUSLOANS

Fast Finance Great Rates

Get real personalised rate offers from multiple lenders in minutes with no impact on your credit score.

APPLY NOW

What our customers say about their loan experience

4.7 rating out of 752 reviews

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Jasmine Patel

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Alexander Smith

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Emily Johnson

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See how easy it is to get finance with us

  • Get pre-approved in minutes
  • Get pre-approved in minutes
  • Get pre-approved in minutes
See how
GET FINANCE

Use our loan calculator to get an estimate of what it may cost you to drive away .

How to use Ausloans' Loan calculator?

Select the total amount you want to borrow and how many years you would like to pay the loan. Next, select the exact amount you would like to contribute with a deposit for your loan. A deposit is not required but recommended
Interest rate: We suggest selecting an interest rate higher than the minimum rate we offer. For example, at Ausloans interest rates start at 5.79% p.a*. However, consider this is available only for excellent credit profiles.
Balloon Payment: A balloon payment allows you to reduce your repayments during the loan term by making a one-off lump sum payment at the end of you

Loan Calculator

TIER ONE INCOME - ONE TRUCK
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TIER ONE EXPENSES - APPROXIMATE
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How It Works

Need car finance? Follow our 4 steps process to apply online and get an answer in minutes.

Apply
online

3 Minutes

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1

Upload
documents

3 Minutes

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2

Get your
personalised rate

3 Minutes

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3

Get
approved

3 Minutes

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4

We Make Finance Easy

We find you the best loan rate for your credit profile

  • Easy Online Application
Our simple, paperless application makes it easy for you to apply online. It only takes a few minutes.
  • Multiple Loan Choices

Receive best rate car loan offers from multiple lenders and choose the deal which best suits you. 

  • Great Low Rates

Our massive lending panel allows us to find you the best  finance rates in the country.

  • Fast Qualification

Don’t wait days to get an answer. With Ausloans personalised customer service, we can tell you if you qualify within minutes of accepting our call.

  • Credit Score Protection

Your online application gets checked against 1,000+ lender policies before it’s shared with a lender to protect your credit score.

  • Personalised Service

Our team of more than 150 asset finance brokers work with you until your car loan is settled.

Frequently Asked Questions

Frequently Asked Questions

HIDDEN

We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process. 

We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. Once you’re matched with a lender, you’re assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. 

Our car finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 4.69%* for new vehicles for business and consumers. 
* based on a commercial contract for a new vehicle with specific criteria.

Not necessarily. If you wish, you can source your own car. But if you wish, we offer a holistic solution; from sourcing a vehicle to new and used car finance at the most competitive rates. If you would like assistance with your vehicle, we can introduce you to our national dealer network.

Applying for a loan

HIDDEN

To qualify for finance you need to: Be over 18 years old. Be an Australian citizen or permanent resident* Be currently employed** Earn at least $400 per week (after tax) Not be in an undischarged bankruptcy or part 9 debt agreement. *We may be able to help if you have a visa with more than 2 years remaining. **Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) – Or 6 months casual employment. *** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.
Making an application is quick and easy. You just need to have the following documents ready to give to your broker: Current Australian Residency Identification Two recent payslips One current bank statement

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. 

Yes, you can. If you are self-employed, you can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties.

Getting my loan approved

HIDDEN

The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant’s profile, gathering the required documents, additional information required by the lender, etc. Our online application takes 2 minutes to fill out, once completed our customer service team will call you within the next 2 business hours to pre-approve you and transfer you to an assigned broker. Lender settlement times can vary from instantaneously up to three days depending on current customers’ queues.

Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To help bad credit car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score. 

At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance.

Applying for a loan

HIDDEN

Yes, you can. If you are self-employed, you can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties.

Making an application is quick and easy. You just need to have the following documents ready to give to your broker: Current Australian Residency Identification Two recent payslips One current bank statement

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. 

Yes, you can. If you are self-employed, you can borrow 100% of your car’s purchase value and include extras such as insurance and extended warranties.

40+ LENDERS

NEED FINANCE

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Disclaimer: Representative example: Based on $30,000 loan with an 84-month term for a borrower with excellent credit history at a  rate of 4.99% p.a. the estimated total amount payable per month is $444. Interest rates range from 4.99% p.a. (comparison rate 6.97% p.a.) to 12.37% p.a. (comparison rate 20.30% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans credit criteria and terms and conditions apply.