Perth's Favourite Car Loan Provider

Helping You Purchase
The Vehicle You Really Want

When you have found the wheels you want to purchase, the next step is arranging finance. Loans Unlimited has a team of expert consultants who specialise in car finance. We’ll help you find the best loan for your specific needs.

The loan that is best for you will depend on a variety of factors. Your budget, your preferences when it comes to interest rates (fixed vs variable), type of loan (such as secured or unsecured), and the total loan period are just some of the considerations.

Our finance packages have great rates, flexible payment options, and can be settled quickly.

After years of experience in the industry, we have developed a strong partnership with the leading lenders in Australia. This advantage allows us to provide you with competitive finance packages tailored to meet your needs, such as:
  • Consumer Loans
  • Unsecured finance
  • Fixed-Rate Vehicle Loans
  • No-Deposit Finance
Are you a first-time borrower? Perhaps you have a poor credit rating. No problem. Loans Unlimited has got you covered. We have a network of lenders ready to provide cash assistance for those with little to no credit history. We’ll help you get a loan, even with bad credit.
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Loans for Businesses & Sole Traders

Being in the business world allows us to understand the importance of staying productive. If cars are a critical part of your operations, you may need to add more to your fleet.

We can offer you the most suitable loan to support your requirements. You can supplement your fleet of vehicles to handle more customers and functions, such as deliveries.

Our commercial loans are designed just like personal ones. This way, you can easily understand the terms and work out what is great for your business and cash flow. When you do not have the funds upfront, you can still purchase the truck or ute or you need.

With a commercial vehicle loan, you can break down the payments into portions that you can easily afford. It is less of a hassle, and you can continue focusing on what matters more: your business.


How Do

Car Loans Work?

The loan is a formal agreement between three parties:

  1. You (the buyer)
  2. The person or company selling the car or a dealership
  3. Lender (the person or firm providing the money for the purchase)

Somewhere in the middle, Loans Unlimited enters the picture. Before you buy the vehicle, we will help you find the lender with the best product.

We define the “best” as something that meets your requirements with affordable repayments and ideal terms. This could be, for example, paying off the loan in the shortest time frame or with the lowest repayments. In the end, it is your satisfaction that we want to achieve.

How much can you borrow? The answer to this question will mostly depend on your income. Each lender has different requirements. Borrowers will need to provide proof of income, assets, and debt records, if any. It will also depend on the type of vehicle you will be purchasing.

Once approved, you will get the loan that you need to buy your new wheels. The next step now is to sign the purchase agreement, and the lender will pay the vendor on your behalf. Based on the agreed repayment scheme, you will need to pay off the borrowed amount for a set period.

Here at Loans Unlimited, we make it our goal to help you drive the car of your dreams sooner. Whether you are an individual looking to buy a used, new or you need it for your business, we offer the ultimate solution.

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Car Finance Calculator

How Much Do You Need?

If you’re set on finding a new car, then it’s time to figure out your finance repayments. Our calculator can help give you an idea of your weekly or monthly payments to pay off your vehicle.

Choose from the length of the loan, amount and interest. You can even add a balloon payment if that’s what works for you.



1 year7 years

5 years

4% interest P.A15% interest P.A

Interest p.a. 5.1%
Repayment period:
Balloon payment:
Balloon Percent 30%

Repayment is

$278 p/w

$24900 balloon payment

Vehicle Finance FAQs

If you plan to buy a car from a private seller and you need financing, we have good news for you. Here at Loans Unlimited, we have lenders that can give finance for private sale vehicles.

Used cars from private sellers are much cheaper than new ones, obviously. But the truth is you will still spend over $10,000 for a car that’s modern and reliable. Borrowers are advised to be a little patient when applying for private sale finance. Unlike with regular car loans that allow purchases through a car dealership, a private sale loan can take longer to gain approval due to the extra compliance checks.

The short answer is yes. It is a legal requirement to have a car comprehensively insured when it’s under finance. By getting comprehensive insurance, you get the coverage you might need in case you damage the vehicle. Accidents can happen anytime, and if you don’t have the cash to cover the cost of fixing or buying a replacement, this insurance will help.
Comprehensive insurance covers damage from a collision, whether it is minimal or beyond repair. It also gives you peace of mind if the car gets stolen or vandalised, as well as damage due to fire, flood, and other natural events.

All car loans offered are fixed-rate. This means that the interest rate will not change over the life of the loan. It is often more beneficial than a variable rate loan. Since the interest will remain the same until you pay off the entire loan, you know the exact amount you owe. Meanwhile, a variable interest rate loan may go up or down in interest, depending on the prime or index rate. The longer the term, the riskier it gets for the borrower.

Fixed-rate interest financing is excellent if you want consistency. With rates having the highest tendency to increase these days, a fixed-rate loan is more fitting for borrowers.

We make applications so much easier for you. Get pre-approved quickly by filling out the form on the website. There is no need to provide any documents at this point. After you have been conditionally approved, you will receive an email from us where we request more information and documents to verify the information you sent, including your name and address.

Once we have matched you with a few lenders, we will request more details and documentation, such as financial statements, payslips, and a copy of the contract for the sale of the vehicle.

The most significant advantage with Loans Unlimited is that you gain access to different lenders – not just one or two. You are not limited to the big banks and lending groups. When you opt for these firms, they will give you standard options and nothing more. In comparison, we work with several lenders that will not only grant you with attractive rates but a loan that truly meets your requirements.

The most important thing to know about us is that we work for you and not for a specific lender or car dealership. Our goal is to help you choose the financing that suits your circumstances so that you can buy the car you want as stress-free as possible.

Some fees may be involved once you get approved of car financing. They include, but are not limited to, the following:

  • Application fee
  • Origination fee
  • Financiers Security Registration fee

If you plan to purchase a vehicle from a private seller and you want to get financing, you may also be subject to extra costs. These additional payments are typically in existence to cover the inspection and taking photos of the vehicle. The exact amount that you will have to pay can depend on a variety of factors, including the area where the inspection report will take place. Some of our lenders also charge establishment fees.

Better Answers and

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Getting your rate here will not affect your credit score