Helping Victorian Save On Their Car Loans

Melbourne City skyline

Current Car Loan Rates

  • Rate for Private Purchase

    from 6.07%

    comparison 7.96%*
  • Rate for Dealer Purchase

    from 5.37%

    comparison 7.26%*
  • Rate for Business Vehicles

    from 5.7%

    comparison *

At Aussie Car Loans, we’ve been helping our Melbourne & Victoria based customers save money on their car finance for over 30 years.

Aussie Car Loans is a highly respected finance company that operates Australia wide. We are able to customise a car loan package that will fit in with your financial situation and lifestyle.

Aussie Car Loans Melbourne provide low, competitive rates for all types of vehicle loans. 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 Melbourne provide low, competitive rates for all types of vehicle loans. Finance products we offer include: Car finance, Car insurance, Hire purchase and leasing, Classic car finance, Secured and unsecured loans and Novated Leases and more.

We service Melbourne and surrounding regions including the Geelong and Ballarat as well as regional Victoria. Get the finance for your next vehicle rolling by applying online or calling us. We can have you conditionally approved within 3 minutes*.

Apply For Car Finance



We'll Beat The Banks

Unlike the banks that give priority to home loan customers, the car loan customer comes first at Aussie Car Loans.

Try our easy to use car finance calculator to get an idea of what your loan repayments might look like.

Try Car Loan Calculator

Benefits Of Our Car Finance

Victorians deserve better - Finding you the best deal on a car loan is our top priority.

Fixed Interest Rates

Your car loan will have a fixed interest rate for the life of the loan. Extra or additional payments will reduce the outstanding balance and reduce your overall interest charges.

Fast Approvals

Apply online for a secured, low rate car loan and get conditionally approved fast...Sometimes within minutes of completing your application.

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:

  • New cars
  • Used cars
  • Luxury vehicles
  • Imported vehicles
  • Vintage cars
  • Classic cars
  • Business vehicles
  • Fleet vehicles

Tips For Getting A Car Loan In VIC

Some useful advice to consider when applying for a car loan.

Couple going through bank statements with one of our brisbane car finance brokers.

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 769 999.

Apply For Car Finance

Our Partners

  • Suncorp Bank
  • AFS
  • illion
  • CIL Insurance