Helping Queenslanders Save On Their Car Loans
At Aussie Car Loans, we help our Brisbane & Queensland based customers save money on their car finance.
Aussie Car Loans is operated by Carloans.com.au Pty Ltd, an Australian company that has been helping our customers find great value car loans since 2013. With our approved panel of lenders, we are able to customise a car loan package that will fit in with your financial situation and lifestyle.
With flexible loan terms to suit your requirements, you can rest assured knowing that you've received a low interest rate from a reputable and secure Australian lender.
We Make Car Finance A Breeze
Aussie Car Loans secure low, competitive rates for all types of vehicle loans from a wide panel of lenders. Finance products offered include: Car finance, Classic car finance, Secured and unsecured loans and more.
We service Brisbane and surrounding regions including the Gold Coast and Sunshine Coast as well as regional Queensland. Get the finance for your next vehicle rolling by applying online or calling us. Let us help on your car financing journey and take the stress out of it.
Benefits Of Our Car Finance
Interest Rates
Let us help you get a great interest rate. You may be able to make extra or additional payments to reduce the outstanding balance of your loan
Fast Approvals
Apply online for a secured, low rate car loan and get conditionally approved fast.
Simple Online Application
It’s quick, easy and mobile friendly so you can complete the application process on any mobile device or your desktop computer.
Car Finance For Any Vehicle Type
We can find you low interest rate car finance for many different vehicles such as:
Tips For Getting A Car Loan In QLD
Plan Your Loan
Before taking out a car loan, you should think about any factors that may impact your ability to make repayments. Using a budget planner can be an effective way to give you visibility into how much you can afford in repayments. When planning your budget, make sure you include any reoccurring costs such as monthly repayments such as phone bills.
Loan Amount
This is the actual amount of money you want to borrow. If you have a deposit you obviously won't need to borrow an amount equal to the full value of the vehicle. Having a deposit lowers the loan amount thus reducing the amount of interest you will pay over the life of the loan. We recommend having a reasonable deposit such as 10% - 30% of the full value of the vehicle you are purchasing. Having an ample deposit can affect your car finance interest rate.
Loan Term
The shorter the length of the loan, the more you will save in the long run. Therefore, you should choose the shortest loan term to fit your budget. You can get an idea of how significantly the term of your car loan will affect the amount of interest paid using the car finance calculator and adjusting the loan term.
Payment Frequency
Does it make a difference whether you repay your loan weekly, fortnightly or monthly? Definitely. Interest on a car loan is calculated daily. This means the quicker you reduce the principle (the amount you borrowed) the less interest you’ll pay. Depending on the loan amount it might be a hundred dollars or so over the life of the loan. Use the car loan calculator to understand the difference repaying your car loan weekly has versus repaying it monthly.
Balloon Payments
A balloon payment for a car loan is a "lump sum" which you agree to pay at the end of the term of the loan that will generally be equal to the residual value of the vehicle. Balloon payments can be an attractive option for a car loan because they can help reduce your regular loan repayments. You can experiment with how much the balloon payment will effect your repayments by changing the balloon amount in the car loan calculator.
Credit Rating
Your credit rating can affect your ability to obtain a loan. A copy of your credit rating can be ordered for free from My Credit File.
Ready To Apply?
If you think you are ready to begin the application process and get one step closer to obtaining a new vehicle, apply online or call one of our consultants on 1300 889 669.
Brands we work with
FAQ
Yes, many lenders in Brisbane like Aussiecarloans.com.au offer online car loan applications, providing a convenient and efficient way to apply from the comfort of your home or office.
Yes, pre-approval for a car loan is available in Brisbane. It allows you to know how much you can borrow before you start shopping for a car, helping you set a budget and negotiate confidently with dealers or private sellers.
Car loan terms in Brisbane typically range from 1 to 7 years. You can choose a term that suits with your budget, whether you prefer shorter repayment periods or longer terms for more manageable monthly payments.
Absolutely! Car loan refinancing is an option in Brisbane, and it can be a smart move to secure better terms, such as lower interest rates or more flexible repayment options. Refinancing can potentially save you money over the life of the loan.
Some car loan lenders in Brisbane may come with restrictions or penalties for making early repayments. so it’s crucial to review the loan terms to ensure that you have the flexibility to make extra repayments without incurring additional charges.
Some lenders in Brisbane offer exclusive car loan packages for eco-conscious borrowers who choose electric or hybrid vehicles. These packages may come with discounted interest rates or additional benefits.
Incentives often include government grants and rebates, lower interest rates offered by certain financial institutions, tax incentives for EVs, and potential benefits like free charging or reduced operating costs. However, it's essential to check with local authorities, lenders, and car dealerships for the most up-to-date information on current incentives and discounts that may be available for electric or hybrid car loans in Brisbane.
Yes, you can use a car loan to finance a used car purchase from a private seller in Brisbane. The loan amount will be paid directly to the seller upon approval.
Questions? We can help.
