Looking for a more versatile, competitive car loan?

Use your car loan for a new or used car, motorbike, caravan, trailer or any vehicle-related expenses.

  • Choice. Apply for $500-$10,000 in minutes.
  • Efficiency. Get a conditional decision, fast.
  • Certainty. Get your loan pre-approved.

How Much?

$500 $10,000

How Long?

6 months 36 months

Interest rate

19.9%

Min weekly repayment

$72.48

Comparison rate from p.a.

44.2%

Total repayment

$3,766

How it works

With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.

Apply in Minutes

Choose your $500-$10,000 loan and apply online.

Get a Decision

We'll contact you, verify your details and give you an answer.

Receive your funds

Sign your contract and receive your funds overnight.

How can we help you?

Below you’ll find answers to the most frequently asked car loan questions

Apply Online

Car loans you can use any way you like.

When you take out a car loan with us, you’re in the driver’s seat. You can use it to buy a new or used car. Or a new or used motorbike, trailer or caravan. Or you can take out a small car loan for car repairs, new tyres or your rego and insurance.

We have customers across Australia who come back to us time and again for car loans ranging from $500 to $10,000 – loans they’ve used for a host of vehicle-related expenses.

As one of Australia’s largest non-bank lenders, we’ve used all our finance and tech smarts to make our car loans as quick, easy, flexible and rewarding as possible. Yes, rewarding. In addition to personalising our rates and terms to minimise the cost of your loan, as we do on all our loans, our rewards program means that as a returning customer you can enjoy even better rates and discounts.

Small Amount Loans

 

Loan Amounts

$500 – $2,000

 

Average Term

5 Months

 

Typical Establishment Fee

10% – 20%

 

Monthly Fee

2% – 4% of Principal

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

$500 repayment example

 

Average Term

3 – 6 months

 

Repayment Per Week*

$24 up to $52

 

Establishment Fee

$50 – $100

 

Monthly Fee

$10 – $20

 

Interest Rate Per Annum

0%

 

Comparison Rate

N/A

Medium Amount Loans

 

Loan Amounts

$2,250 – $5,000

 

Average Term

8 Months

 

Typical Establishment Fee

$360 – $695

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

$2250 repayment example

 

Average Term

3 – 18 months

 

Repayment Per Week*

$39 up to $220

 

Establishment Fee

$360 – $460

 

Monthly Fee

$5

 

Interest Rate Per Annum

17.9% – 29.9%

 

Comparison Rate

36.64% – 53.12%

*Repayments per week depend on affordability.

Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.

Apply for your car loan in minutes.

Have you used our car loan calculator? It’s a great way to get an idea of how much you can borrow and what the repayments will be. Or you can apply for a car loan online right now – we’ll give you a conditional decision in minutes.

Apply Now!

Are you eligible to apply?

  • I’m 18 years or older
  • I’m employed (not self-employed)
  • I’m paid $500 or more a week into my bank account
  • My income is not solely from Centrelink
  • I’ve not entered into bankruptcy or part 9 agreement within the last 12 months

WARNING - DO YOU REALLY NEED A LOAN TODAY?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account

The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.