The Unsecured Car Loan 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!
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!
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.
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.
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.
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.
Call 1300 301 051 now to get your free exact quote in under 5 minutes
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An unsecured car loan is the type of car loan that does not require any collateral or security. It is a loan that is usually granted based on your credit history, financial standing, income status, and current employment which all determines your loan repayment potential. Since no collateral is provided, these loans can attract higher interest rates but offer you more flexibility on what car you spend the money on.
The lender considers this type of car loan riskier as they have nothing to sell when they need to get their loan amount back in the event of a default. To offset this additional risk, lenders give unsecured loans at a higher interest rate. Even if your credit history and rating is not perfect, you can still get your car through car financing.
The term of the unsecured loans, as well as their interest, are fixed. This will allow you to plan the monthly payments and make adequate preparations. Unsecured loans are also given to those who are receiving income support like those receiving pensions. However, there are certain criteria that the borrower must meet in order to be eligible for an unsecured car loan. The major criteria are that the borrower must have a full-time job and be over 18. Usually. There are also minimum criteria for monthly income too. If you are planning to buy a used car, note that unsecured loans are usually not granted on cars that are more than five years old.
As with anything in the world, unsecured car loans have their own pros and cons. Some of the advantages and disadvantages are discussed below.
Here are some of the advantages of unsecured car loans:
Not all individuals who apply are eligible for an unsecured car loan. Due to the high risk involved in these loans, only certain applicants will satisfy the required criteria.
Here are some of the requirements for an unsecured loan:
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:
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.
You could 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 requirements. We save you the time and stress of searching for a suitable lender, providing you with an efficient car loan at quick turnaround times.
Getting started is easy. You only need to submit a simple application by visiting /apply, 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.
As we have mentioned before, 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. Therefore, 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.
Auto Car Loans is committed to ensuring you get a great car finance deal so that you can drive away in your new car sooner.
Client satisfaction is at the core of our service.
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.