Consumer Car Loans
Buying a car for personal use? We help arrange consumer car loans with clear terms, competitive rates, and straightforward guidance.
Car finance made simple
A consumer car loan is essentially a personal loan designed specifically for vehicle purchases. We help you understand your borrowing options and structure repayments that fit your budget.
Our role is to:
Compare suitable car loan options
Explain repayments and loan terms clearly
Make the process smooth and stress-free
We handle the finance side so you can focus on choosing the right car with confidence.
FAQs
How is a consumer car loan different to asset finance and personal loans?
A consumer car loan is specifically designed for purchasing a vehicle and is usually secured against the car itself. Interest rates are often lower than an unsecured personal loan, and terms are tailored to the age and value of the car.
Asset finance is typically used for business use so therefore if you are not operating a business and want to finance a car you may explore consumer car lending.
Can I get a loan for a used car via a private sale?
Yes, certainly.
Why use a broker to organise a car loan?
Using a broker for a car loan can save you time, money and stress. By comparing several different lenders we help you to understand which products might be best suited to you and your budget over the next few years as well as manage the application from start to finish.
I’ve never had a loan before and don’t have a credit file – can I still borrow money?
We regularly help customers who are new to borrowing money. We take extra care with explaining the ins and outs of the finance world as well as placing you with a lender that accepts these types of customers.
How much can I borrow and how many years can I spread the repayments over?
Car loans usually have a $5,000 minimum loan size and can range up to $150,000 depending on the vehicle and your affordability. You can then repay this amount between 1 and 7 years.
Can I repay my car loan early?
Yes, many car loans allow early repayments, though some lenders may charge break or early repayment fees.
Let’s chat
If you’re planning to buy a car, we can help you sort the finance with confidence.