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Competitive AustralianCAR LOAN RATES


Car Finance Rates From


We can help find and offer the lowest car loan rates on offer in Australia. Through our network we can get highly competitive car finance rates designed to fit the needs of our customers.

Whether it’s to refinance your car or a new car loan, we have the car loan rates to meet your needs. Our team are loan specialists, and they are dedicated to finding you the best car finance rates to suit you and your budget. That way, you can drive away with the car of your dreams without breaking the bank.

Don’t miss out on our low car loan rates – apply today and get behind the wheel!

Calculate Your RepaymentsHOW 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


Loans Unlimited want to help you take the stress out of getting a car loan. Check out what some of our past customers have said below:

Stacey RobertsonStacey Robertson ★★★★★ Kyra was amazing from start to finish, she made everything easy and kept me updated. Would happily use Loans Unlimited again.Response from the ownerThank you for leaving such a kind review Stacey! We're happy that Kyra made the loan application process easy for you and kept you updated throughout! Ben AldridgeBen Aldridge ★★★★★ Loans Unlimited we’re the best. Please ask for Eva or Jack, and you will not get better serviceThanks so much LoansResponse from the ownerHi Ben! Thank you for the kind words you've left for Eva and Jack. We're glad that they exceeded your expectations. Kristi McKayKristi McKay ★★★★★ Brooke helped me so much and made the process easy to help me get a loan. She was so friendly and couldn't recommend her higherResponse from the ownerHi Kristi! Thank you for the kind words you've left for Brooke! We're so happy that she was able to ensure that the loan process was as easy as possible! nazira elidanazira elida ★★★★★ Although it took a bit of a time. Maybe because of my circumstances.. but they did well... They follow through till the end... Dave W. really helps smooth things.. will recommend them to others as me and my husband both dealt with them and it was a long but good journey..Response from the ownerThanks for the kind review Nazira! We are so glad that Dave was able to assist you in securing your loan! Kevin LauKevin Lau ★★★★★ Strong recommended Loans Unlimited especially Tow Lewis. He went beyond and above to help me get my loan approved in less than 2 days. Definitely will come back to them with my next loan.Response from the ownerThank you for the recommendation Kevin! We strive to provide the best customer service and happy that Tom was able to assist you in getting your loan approved so quickly! Bruce & Erin RobertsonBruce & Erin Robertson ★★★★★ Anna made the experience of applying for finance a lot less stressful and also helped my find a loan with a lower interest rate. Great experience and would recommend to others!Response from the ownerThank you for leaving such a kind review! We're glad that Anna was able to assist you during the loan process and provide you with a lower interest rate! We'll be sure to pass on your review to Anna. Thomas WillisThomas Willis ★★★★★ Got a loan for a car through Loans Unlimited. I was a little unsure at first, but Brooke Webster was amazing in every regard. She communicated everything quickly and clearly at all stages of the application. Secured a very good loan with a great rate in comparison to others. Customer service was excellent and would highly recommend to anyone looking for a loan!Response from the ownerHi Thomas! We really appreciate the kind words that you've left for Brooke. We're glad that she was able to put your mind at ease and kept you in the loop throughout the loan process. Ryan WiRepaRyan WiRepa ★★★★★ Very friendly and easy to deal with. Good communication made the whole process easy.Response from the ownerHi Ryan! Thank you for leaving our team a positive review! We appreciate the kind words. Esori Maya DhungyelEsori Maya Dhungyel ★★★★★ It was an incredible experience working with Loans Unlimited. I would like to extend my gratitude to Mr. Elliott. His services were just excellent. Thank you so much for helping so efficiently Elliott🙏Response from the ownerWow! Such a wonderful review for Elliott! We are stoked to hear how much he assisted you throughout the loan process and will be sure to pass your message onto Elliott! js_loader


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.


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. Our goal is to find the lowest car loan rates that work for you.

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.



Finding the best place to borrow money can be tricky and a bit overwhelming. That’s why we’ve got a team of experts ready to help you out. Our team of finance partners includes over 30 lenders. With Loans Unlimited, you’re spoiled for choice. We’ll not only provide you with the best finance options, we’ll stay right beside you every step of the way.



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.


Getting your rate here will not affect your credit score.


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, we can find the best car loan rates for you.


Fast Approvals

Need finance fast? We can approve loans in as little as 1 hour! Get your money faster with Loans Unlimited.


Choose From 30 Lenders

With a huge range of lenders to pick from, we can help you find the best finance solution for your individual needs.


Easy & Online

Get your loan sorted with minimal fuss. Apply online and our finance experts will contact you with the best low-rate options.



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 best solution 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 car loan rates, flexible payment options, and can be settled quickly.


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.


We’ve helped thousands of Aussies with our car loans and we’d love to help you too. We take the time to research different lenders and the benefits they can offer. We do all the legwork to find you the best interest rate available and a loan without any hidden additional fees. 

Then, we get to know you and your needs. This helps us find the best finance options to pay for your new asset. Leave your contact details below and one of our friendly team members will get in touch.