The Personal Car Loans Experts in Australia

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!

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Why should I finance my car through

Big SavingsWe’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 ServiceOur 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.

Tailored OptionsWhether 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.
Fast And Hassle-FreeWe 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.
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 OR Submit online application

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

PERSONAL CAR LOANS Here at Auto Car Loans, we provide personal car loans to all Australian residents. Our accumulated knowledge and experience over the years in car finance allow us to fully understand the processes involved in financing your new car.

Our loan consultants will help you find the best car loan and tailor the terms and repayment frequencies to your needs. No matter the make and model of the car you want to buy, we have a network of lenders who can offer you the finance that is right for you.
WHAT IS A PERSONAL LOAN? A personal loan typically refers to an unsecured loan. This mean the lender does not take ownership, or ‘security’, against the asset being purchased. A personal loan is where you borrow some amount of money from a lender and agree to repay it over an extended time via fixed monthly instalments.

Just like every other loan, the lender charges interest on the loan, and you pay back both the principal and the interest. One of the advantages of a personal loan is that it puts cash in your hands when you need it most to sort out your immediate needs, while you spread out the cost of procurement over several months or years.

For examples, if you want to buy a new or used car and need to borrow money to finance it, maybe because your car is wrecked and you can’t afford to pay outright and can’t wait until you save enough, a personal car loan can be a cost-effective way to do so.
HOW A PERSONAL LOAN WORKS WHEN BUYING A CAR Before you begin your search for a loan to finance your car, you must find a car you want to buy as this will determine the amount you can borrow. It makes perfect sense to think that the money you will borrow should be enough to cover the cost of the car, except you have some amount in savings to contribute.

With a personal loan, you borrow an agreed sum, which you can pay back in fixed monthly repayments at a fixed interest rate over a set time. The interest rate is usually dependent on the amount you want to borrow and other factors.

Once you are accepted for a loan, the money is usually transferred to your nominated bank account at the earliest convenience, so you can pay for the car you want to buy.
WHAT NEXT AFTER THE END OF THE LOAN? Once you pay back the full amount borrowed and interest, that will be the end of the loan. The lender will mark the loan as settled on your credit file, so you will not have to pay again.
IS A PERSONAL CAR LOAN RIGHT FOR ME? Personal loans can have higher interest rates than the secured car loans offered by Auto Car Loans, but they do have a number of benefits.

When it comes to buying a car, you will have several different options that may be difficult to choose from. Here are some of the benefits you will enjoy from choosing a personal car loan:

  • Personal loans do not include payout penalties like most secured loans. So, if you want to sell the car or pay out the loan early, you are free to do so without having to worry about any penalties.
  • You can buy your car from anyone, whether it is a dealer or private seller. That means you will have the opportunity to make a bargain.
  • You can often buy older cars which many secured car loan lenders may not be willing to finance.
  • A personal car loan helps you finance a new or used car of any make or model. You are not limited to the car you can buy.
HOW CAN I KEEP THE MONTHLY REPAYMENT LOW? One of the ways to reduce the cost of a loan is to find one with the lowest interest rate from our lenders. Also, if you can put a large deposit down on the car, the amount you need to borrow, and the interest will be less.

While personal loans can span a period of one to 7 years, choosing a longer loan period will help you keep the monthly payments low. However, this may increase the interest you will need to pay a little more, increasing the total cost of the loan.
CAN I PAY OUT A PERSONAL LOAN EARLY? You can pay off your loan at any time. Most personal loan lenders will let you do this for free. You can find out from the lender we will match you with the amount you will need to pay to fully pay out the loan.
WHAT HAPPENS IF I MISS A PERSONAL LOAN PAYMENT? If you miss one payment or make it late than you should, you will not have any problem as long as you communicate this with the lender. However, if you continue missing your payments, the loan provider can mark you ‘in default’, hindering you from accessing any additional credit, and the lender taking possession of your car in cases of secured car loans.

If you are unable to make payments at the due date, you should contact the lender immediately to see if you can agree with them on a more convenient payment plan. This will save you from any impending troubles and avoid them taking the matter further legally.
BENEFITS OF CAR FINANCE WITH AUTO CAR LOANS For many people that come to us at Auto Car Loans, car finance helps them get on the road very quickly. Besides, you will get to enjoy some or all of these other benefits:

  • Borrow up to 100% of the total cost of the car
  • Taking out a car loan without having to pay a deposit
  • Loan term that is convenient for you
  • Fast and easy loan application
  • We select the best loan offers from our group of more than 50 lenders
  • Competitive interest rates
Here at Auto Car Loans, we work with over 50 lenders, and that ensures if approved, you could see a result on the same day.
DETERMINING ELIGIBILITY You can qualify for car finance if you are above 18 years of age. So, we encourage you to apply with us if you are an adult. We offer an effective and straightforward process to determine eligibility, and in no time, we will match you with a leading lender that meets your exact requirements. We save you the time and stress of searching for a suitable lender, providing you with an efficient caravan loan at quick turnaround times.

Getting started is easy. You only need to submit a simple application by visiting, and then fill out your information, it takes only 5 minutes. If approved, we will match you with our top lenders as fast as possible.
  • We can offer significant savings that banks or dealerships cannot give you
  • We offer efficient and quick turnaround times
  • Unique and custom service tailored to individual needs
  • Access to a variety of leading lenders, so there is always an option suitable for your needs
  • Loans without early payout penalties
  • Expert loan consultants ready to help.
OTHER USEFUL INFORMATION We have a close relationship with a wide range of lenders specialising in car loans. We work closely with them to ensure that you have an easy and simple process. Trust us, we know how important your time is and we want to make sure you get a car as fast as possible. Our car loan consultants will take the burden of finding a suitable lender off your shoulders and get to work to ensure you purchase your vehicle in no time.

You can apply with us for a car loan, and if you are eligible, rest assured that we will match you with leading lenders. We take it as a responsibility to make sure the loan is right for you and suits your requirements. Auto Car Loans is committed to ensuring you get the best car finance so that you can drive away in your new car sooner.

Client satisfaction is at the core of our service. Therefore, we put in our best to provide you with efficient and convenient services. Any loan process can be cumbersome, but it does not have to be. With us, the journey is a smooth ride.
CONTACT US TODAY If you need a car loan to purchase your next vehicle, then feel free to fill out the application form by visiting the link above. Alternatively, contact us today on 1300 301 051 to speak with one of our car finance consultants that will guide you throughout the whole process.

DISCLAIMER : The thoughts and opinions conveyed on this website are those of the authors only and are of a general nature. This does not constitute financial or general advice to you from Auto Loans Group. You should seek your own independent advice from a professional which is specific to your circumstances before considering any of the items referred to in this article, including finance, insurance, and car buying.