The Car Finance Experts

We’ll help you get into your new car as quickly and painlessly as humanly possible – at better rates than your bank or car dealer!

100% free no obligation quote

Why should I finance my car through

Big Savings

We’re confident we can beat your car dealer AND those online interest rate comparison websites. Because unlike most car dealers and other brokers, we have access to a range of lenders and specialist financiers. Access to wholesale rates means we can find you the most competitive loan based on your unique circumstances.

Superior Service

Our consultants are real, Australian people, based in Australia. No overseas call centres or pre-recorded menus; with AutoCarLoans you’ll speak directly with our expert staff every time. You won’t be palmed off between departments either: you’ll be allocated your own Finance Consultant who’ll stay with you throughout the entire process. That same person will be there for you throughout the life of your loan.

Fast And Hassle-Free

We know how valuable your time is. That’s why we keep documentation and review times to a bare minimum, and do everything electronically where possible, to ensure you get your car as quickly and easily as possible.

Tailored Options

Whether you’re after a car loan, a novated lease, an operating lease or a chattel mortgage; we help you finance your car in the most advantageous way, based on your unique situation.

Avoid getting taken for a ride by your bank or car dealer

Call 1300 301 051 now to get your free exact quote in under 5 minutes


Submit online application

Don’t Just Take Our Word For It.
See What Our Customers Are Saying:

Google Rating
Based on 1646 reviews
Brendan C.
November 1, 2023

Really just amazing service. Very clear in communication and fast when responding. Big shout out to Sarah for all her help!
Alice T.
September 22, 2023

We recently went through auto loans for car finance, we worked with Chris Hughes. He was very available to answer questions, efficient and straightforward. The process was very easy and I would recommend this broker to any friends or family. Thanks Chris!
Joel O.
August 17, 2023

Brilliant experience and the best customer service! Thanks so much Declan!
Ian B.
June 30, 2023

Super helpful and friendly people, got all our machinery for our business financed through Alex at Auto Loans Group. highly recommend them!
Scott M.
December 6, 2023

Luke was so much help would highly recommend him to anyone!
Jake S.
December 6, 2023

Caleb was fantastic to deal with, the whole process was smooth and was really approachable to help with concerns. We managed to get a much better rate than dealer finance and would happily recommend them to anyone else trying to source finance!
David P.
December 5, 2023

Thank you so much Bryan you guys made the process so easy and enjoyable I would not hesitate in recommending your company all the best cheers David
Hemisphereimports N.
December 5, 2023

Great team to deal with, Declan makes everything seamless and easy.
Les K.
December 4, 2023

Conan was fast and easy to deal with, he has plenty of experience and knowledge, kept me posted on all. Deal with him again
Rado L.
November 28, 2023

If you're looking for a car loan, don't hesitate to give a call to Auto Loan Groups. We've had our loan done and ready less than 2 days. One very happy customer here!Thank you Jarrod B. for your excellent service!!
Andrew K.
November 22, 2023

Very focused, methodical and pleasant to deal with. I would highly recommend using Auto Loans Group for your financial needs. Specific commendable and kind support by Bryan!
Frank A.
November 16, 2023

So easy to deal with and very helpful all the way
Banksy 4.
November 13, 2023

Great to deal with, and they keep you up to date with everything going on
Lance S.
November 2, 2023

Auto Loans was so easy to deal with. My agent was Athba who answered all queries quickly and I didn’t have to call a call centre each time if I had any queries which was a huge advantage. Athba also got me an excellent interest rate which I could not have found elsewhere. Highly recommend.
Chris T.
November 1, 2023

Jarrod from autoloans group was great to deal with. Made the whole process simple and hassle free. Highly recommend

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The Best Car Finance Choice for Personal and Business Buyers

You won’t find the best car finance for your needs at a car dealer.
You won’t find it by going to a bank either.
Our expert car loan brokers can access wholesale interest rates that are lower than lenders can advertise to individual borrowers.
Even a small difference in interest rates can make a BIG difference to your repayments!
If you’re looking for the best car loans Australia has to offer, talk to our expert brokers at
We arrange car finance for a living. We access a panel of over 50 lenders and know exactly what their current interest rates and policies are. We will assess your unique situation and then match you with the most competitive products. That means we can save you the time and hassle of researching the car loan market yourself.
Best of all, we work for car buyers, not for lenders.
We’ll take the time to understand your situation before providing you with great loan options that you’re eligible for!

Leaders in Online Auto Financing

No matter what type of auto financing you need, we can help!
We arrange online finance for cars, trucks, boats, motorbikes and caravans for clients Nationwide.
We have almost 1,000 independent 5-star Google reviews from happy clients, and look forward to helping you access many of the best car loans in Australia!
Once you spend 5 minutes filling out our free, no-obligation online application form, we can have you approved and in your new vehicle within 1 hour!
We can also arrange a loan pre-approval for you to give you extra negotiating power with dealers or private sellers.

Fast Car Financing

Whether you’re looking for car financing for a new or used car, our expert brokers can help you to find a great deal.
Don’t waste your time going to a single bank or worse, get talked into finance by a car dealer. If you do, you’ll end up paying more.
Our brokers will save you time and money by doing all the legwork and negotiating for you to get a great car loan deal; we can have your finance approved instantly!

Over 50 Car Loans

There’s a huge range of places where you can get car loans in Australia. But where can you access 50+ lenders in one place? Right here!
Simply fill out our free, no-obligation online application form, and our expert car loan brokers will do the rest.
We’ll find you some great deals from our panel of lenders. You can then choose the one that’s right for you.

Dealer and Private Sale Car Financing

Our brokers can help you buy through a car dealer or from a private seller. We can also arrange an inspection and conduct the necessary background checks before you buy for your protection and peace of mind.
We’re a one-stop shop!
Once you’ve chosen a car loan from the options we find for you, we will help you all the way with your loan application, right through to approval and settlement. Avoid car dealership finance, they usually only have one or two lenders to choose from, and the wrong choice, statistically, will cost you thousands!

Save thousands with a chattel mortgage on a business vehicle!

If you don’t know what a chattel mortgage is, you’re not alone. It’s a secured car loan for a business use vehicle. Chattel Mortgages are available to business owners, sole traders, and employees who use their vehicle for work use. With a chattel mortgage, you can:

  • get a lower interest rate.
  • set up flexible repayments to suit your business’ cash flow.
  • save tax by claiming the GST on the purchase price as well as ongoing running costs.
  • lower your car loan repayments by setting up a balloon payment.

A Chattel Mortgage is the most popular form of car finance for business users.

Other Business Car Loans

If you need a car for business use, we’ll explain the pros and cons of all your options, including business car loans, leases, unsecured business loans, chattel mortgages and commercial hire purchase.
We can also help you with fleet-discounted quotes for buying a new vehicle!

Secured or unsecured car loans

You have two major car loan options – secured and unsecured. We arrange both types at AutoCarLoans.
The best option for you will depend on your individual situation. Each has their pros and cons.
For example, secured loans have a lower interest rate, but there are limits on the age and type of vehicle you can finance, and a lender can repossess your car if you don’t make your repayment. Unsecured car loans typically have higher interest rates, but they allow you tp purchase older and/or specialised cars, plus there are generally no early payout fees.
Find out more about secured and unsecured loans here.

Car Leasing

If you’re looking for a car lease rather than a car loan, our expert brokers can advise you on the pros and cons of the three main types of car leases in Australia.

1) novated leases (salary sacrificing arrangements for employees)
2) finance leases (though chattel mortgages are more popular)
3) operating leases.

Get Instant Car Loan Quotes

Whether you’re looking for a car loan or lease for $15,000 or $300,000, we can get you an instant quote via text message.
From there, simply fill in our free, no-obligation online application form. It take’s less than 5 minutes.
Our expert broker will then find options specific to your individual needs. You can then choose the deal that’s right for you. You could have your finance approved and be driving your new car in less than an hour!

NO ongoing fees and NO early payout penalties

That’s right. If you want to avoid paying extra fees and penalties, talk to us.
Our expert brokers can access premium lenders who won’t charge you ongoing fees or any early repayment penalties.
Why pay extra?

How does car finance work?

Read our FAQs to find out how car financing works, including:

  • common mistakes to avoid when financing a car.
  • how to get a car loan even if you have bad credit
  • strategies to pay your car loan off early
  • whether you should refinance your existing car loan.

Why you should avoid car dealer finance

Make sure you avoid dealer finance when buying a car. If you use dealer finance, you’ll usually:

  • pay a higher interest rate or a higher price for your car (or both).
  • get a deal that benefits the car dealer, not you. The dealer is in bed with the lender, it’s not an independent relationship.
  • have no negotiating power.

Why you should use a broker to arrange your car loan

It’s crucial to research the market to get a great car loan deal.
But it’s time-consuming and confusing to do that. Different lenders have different loan terms, conditions, jargon and lending criteria.
Brokers like our friendly and passionate experts at understand the Australian car loan market.
Car finance brokers work for car buyers, not for car lenders or car dealers.
Make sure you choose one that’s licensed and experienced, like our expert brokers at

What you need for a car loan

Your broker will just need some basic information to complete your car loan application paperwork:

  • details of the car you want to buy (including the make, model and price), unless you’re applying for a pre-approval.
  • how much you need to borrow.
  • proof of your identity, address and income (personal or business).

How to get a car loan with bad credit

If you have bad credit, it doesn’t mean that you can’t get a car loan.
But there are also some things you can do to improve your credit score.
When you do, you’ll be more likely to get your car loan approved on better terms and conditions, so you’ll save money.

How to get a car loan

You should follow 4 simple steps to get a great car loan deal:

1) decide what kind of vehicle you want to finance
2) talk to a finance broker to find out your options
3) choose the best option for your needs
4) provide the information your broker needs to complete your application paperwork for you.

Just give us a call now and we can help get you into your new car as quickly and painlessly as possible!

Why Choose Us?

Every lender has different interest rate tables and eligibility criteria that vary according to your credit score, home ownership status, your household expenditure, and whether you’re using the car for work. Then there’s the vehicle: rates will vary depending on how old it is, how much it costs, the loan to value ratio, and whether it’s from a dealership or a private seller.

All the above factors and more and more will influence which lender will be the best fit. Our experts will assess your unique situation and then match you with our panel of over 50 lenders.

Just give us a call on 1300 301 051 or submit an online inquiry to find out how much you can save!

Fill in $ amount, Get Instant Quote, Drive your car!