Car Loans for Personal Use

After a new set of wheels? Let Aussie Car Loans take the hassle out of obtaining your car finance, whether you’re buying from a car dealership or a private seller.

With access to a panel of lenders including banks and major finance companies, we can tailor a loan package ideal to your individual situation with  competitive interest rates.  Let us work for you!  Apply online today!

There are two types of car finance available for personal use; secured or unsecured (see descriptions below). For either type Aussie Car Loans can organise the finance for your purchase , which can then be repaid over a period of up to 7 years.

Scheduled weekly, fortnightly or monthly payments can be made by internet banking, direct debit, direct payroll deductions, BPAY, or other payment methods where applicable.
Try our easy to use car finance calculator now to get an indicative look at what your repayments will be.

For added piece of mind, you can also add insurance; Comprehensive, warranty, security short fall (Gap) and loan protection insurance: to your loan. No deposit Finance is available.

Car Finance Interest Rate

Your loan will have a fixed interest rate, which means the interest is calculated on the unpaid balance daily, just like a home loan. Extra or additional payments will obviously reduce the outstanding balance and therefore reduce the interest charges. This can ultimately shorten the loan term and reduce the overall cost.

Balloon Payments

Balloon payments or residual options are available. By setting a balloon payment for the end of the termyou can reduce your monthly payments, to  satisfy your budget. At the end of the term you can either pay out the full amount, upgrade your vehicle or re-finance the balloon amount and continue paying off the car over a new loan period (subject to approval conditions at that time).

Secured Car Loans

Most car loans in Australia are secured but only by the car being purchased.

Secured car loans generally have a lower interest rate than unsecured loans.

Unsecured Car Loans

This is a very versatile loan, as it can be used for nearly any purpose including debt consolidation, holidays, weddings, or even cars that do not qualify for the secured loans above. There is no security required for this type of loan, as a result the interest rates are slightly higher than secured car loans.

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Buying A Car Privately

Be sure to check out this valuable information before making any decisions.

Don't be fooled by 0% car loans

It may cost you more than expected. Read the facts about the dangers of getting locked in to a 0% loan. Read more

Our Loan Divisions

  • Car Loans
  • Boat Loans
  • Bike Loans
  • Truck Loans
  • Equipment Loans
  • Leisure Loans
  • Personal Loans

Aussie Car Loans® are the car finance specialists - apply online now and get quick approval, or call 1300 769 999 and talk to one of our friendly car loan consultants.

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boat loansLonging for the open sea? Get a boat loan from Aussie Boat Loans® and be on the water quicker than you know it! We've been providing boat finance for years and we know all the ups and downs.

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Bike LoansFeel more at home on two wheels than four? Aussie Bike Loans® specialises in motorcycle finance for riders and bikes of all ages.

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Truck LoansWhether you're after a big rig or a light commercial, Aussie Truck Loans® is the place to go for truck finance for your business.

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Equipment LoansNeed to upgrade your equipment? Opening a new office? Trying to find the best deals on Equipment finance? The Aussie Equipment Loans® team can provide a competitive equipment finance quote, no matter what your needs.

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Leisure LoansWe do all types of leisure loans, from caravans and motorhomes right through to tents!

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Personal LoansNeed some extra finance for your personal needs as you’ve had a slow month at work but have big things on the horizon? Aussie Personal Loans® offers great rates on personal loans and finance for any occasion.

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