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We offer loans for new & used cars and utes.

Business vs. Personal

Business Car Loans

Buying a car as a sole operator or as a company to add to your fleet. This is where a business car loan becomes can help. You will have fixed monthly payments over an agreed period and take ownership of the vehicle, provided all payments are made at the end of the loan term.

Personal Car Loans

A personal car loan is where you borrow an amount of money, from a financial institution, and repay the debt over an agreed timeframe with equal instalments. In general, a personal car loan is a cheaper option when it comes to interest payments.

Secured vs. Unsecured

Secure Loan

Use an asset to secure the loan, such as a car. This asset is then used as a kind of security against the loan. If at any time you are unable to repay the secure loan, the lender may be able to use your security asset to recuperate the difference.

Unsecured Loan

The lender requires no security for the debt. The loan is still subject to your ability to repay it. The interest rates on unsecured loans are higher on average than secured loans, which offsets the increased risk of losing money for the lender.

Swift Approved Broker

When applying for a personal loan, be it secured or unsecured, you should always
check the information with your 1800Approved Financial Broker.


What is leasing?

Under this agreement, you use the car while the lender retains ownership. At the end of the term, you have the option to buy the car or trade it in for a newer model. Talk with us for more information about leasing a car in Australia.


  • Tax-deductible for business owners

  • The vehicle is ours and there are no restrictions on who can use it

  • You can select flexible lease terms from 12 to 60 months

  • You have the option to upgrade your car at the end of your lease term

Novated Leasing

What is novated leasing?

This is perfect for businesses who want to provide a car for their employees. A novated lease is an agreement with you and your employer. The lease is paid by your employer and deducted from your pre-tax salary as part of a salary package.

Employee Benefits

  • Income tax saving

  • You can select flexible lease terms from 12 to 60 months

Employer Benefits

  • Ability to provide remuneration options to employees

  • The employer is not responsible for the vehicle if an employee leaves

Chatell Mortgage

What is a Chattel mortgage?

A Chattel mortgage is much like a secured car loan for assets purchased for business use. The lender takes a ‘mortgage’ over the car as security for the loan. Once the repayments are completed at the end of the repayment term, you’ll own the vehicle outright.


  • Low-interest rate possibilities as it is a secured loan.

  • 100% finance options may apply

  • Flexible lease terms from 12 to 84 months

  • The potential to claim Input Tax Credits if you are registered for GST

Hire Purchase

What is Hire Purchase?

A hire purchase car loan is a way to finance buying a new or used car. You are normally required to pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. At the end of the agreed term, and all payments are made, the car becomes yours. A good option for business.


  • As low as 10% deposit. (100% financing option is also available)

  • You have the flexibility of low or fixed interest rate options

  • You can select flexible lease terms from 12 to 60 months

  • Available on equipment, or new and used car purchases

Bad Credit Loans

What is a bad credit loan?

Bad credit loans are very common, and many lenders are now offering customized financial solutions to individuals and businesses with bad credit. A person or business is considered to have bad credit if they have a history of not paying their bills on time or owe too much money. Bad credit is often reflected as a low credit score, typically under 580 on a scale of 300 to 850. Specialized lenders are willing to help them get back on their feet.

How can you improve your credit score

  • Pay down your aggregated revolving balances (credit card debt) to less than 30%

  • Remove late payment from your credit file by talking to your creditor

  • Remove any debt collection account reporting on your credit report

Low Docs Loan

What is a low docs loan?

If you are a business owner or self-employed, the loan requirements needed may be difficult to obtain or, at times, you may not feel comfortable sharing your financial documents with the bank.

Generally, requirements needed for a car loan in Australia include a Driver’s License (if you have one), income, expenses, liabilities, etc. With a low doc car loan, you may not need to provide all of these since some specialised lenders will use other methods to determine your income or financial capability.


  • No deposit options may be available

  • No financials or tax returns may not be required

  • Maximum of 7-year loan term

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