WHEELS unlimited.
YOUR NEXT CAR Is Waiting.
Talk to a real person, right here on the ground in Aus. We find you the lowest rate, you get on the road.
At Loans Unlimited, we combine access to a wide panel of lenders with an understanding of your individual circumstances to craft a personalised financing solution. All of our advice and support is tailored to your specific needs, so you can focus on choosing the car, not the paperwork.
Additionally, we ensure that we work with you over the course of your loan, and where possible refinance your car loan if there’s ever an opportunity to decrease your payments to the lenders.
We’re committed to making getting a car loan as quick and straightforward as possible. Minimising paper work and maximising efficiency, our aim is to get you pre-approved in less that an hour. This lightning speed approach lets you shop for a new car with the confidence of knowing exactly what you can afford.
Loans Unlimited stands out for our access to over 40 lenders. With so many options available, we can secure the most competitive rates and terms to fit your financial circumstances. Our partners come from all corners of the financial world, including major banks, specialist lenders and economic institutions.
Our team knows car finance inside and out. They understand how lending works across Australia and have connections across the industry. This expertise helps us provide the insights and advice that get your car loan approved fast.
Selecting the right car loan is all about understanding the options available. Here’s a closer look at different types of loans and what you need to consider:
Our team have worked hard to create strong relationships with some of Australia’s most reputable car yards. By charting course alongside our partners, we ensure that we’re presenting fair and comprehensive car finance options to people across Australia. Our relationships with trusted dealerships also ensure that you get reliable advice on whether you’re getting a good deal on your vehicle.
We’ve helped thousands of Aussies with our car loans and we’d love to help you too!
Whether you're after a new, used or electric vehicle, move the sliders to see an estimated repayment, then proceed to apply.
This is an estimate only and not a loan offer. Actual rates and repayments depend on lender assessment, credit history, and loan conditions.
Navigating a car loan does not have to be complicated or stressful. Loans Unlimited is dedicated to providing you a trustworthy and transparent service that gets you access to the best car finance in Perth. Whether you are buying your first car or upgrading to a newer model, we are here to support you every step of the way.
Used cars from private sellers may be cheaper than new ones, but you will still spend over $10,000 for a car that’s modern and reliable. That is why we our lenders are willing to give finance for private sale vehicles.
Borrowers are advised to be a little patient when applying for private sale finance. Unlike a regular car loan, a private sale loan can take longer to gain approval due to the extra compliance checks.
All of the car loans we offer are fixed-rate. This means that the interest rate will not change over the life of the loan.
This is often more beneficial than a variable rate loan, since the interest will remain the same until you pay off the entire loan. It also means that you know the exact loan repayments you have to make and the entire amount you owe.
On the other hand, a variable interest rate loan may go up or down in interest. The longer the term, the riskier the financial situation can become for the borrower
At Loans Unlimited, we try to make loan applications easier for you and do not need you to provide any documents until you are conditionally approved. It makes it a smooth and simple process to fill out the form on the website.
After your approval, you will receive an email from us requesting more information and documents to verify the information you gave us.
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.
When you work with us, you gain access to our whole galaxy of lenders – not just one or two. You won’t be limited to the big banks and lending groups.
If you do limit yourself to big banks, firms and lending groups, they will give you standard options and nothing more. In comparison, we work with several lenders that will grant you 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.
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 typically cover the inspection and photographing of the vehicle.
Some of our lenders also charge establishment fees.
A car loan lets you borrow money to buy a vehicle, which you then repay in instalments over time. You’ll submit a loan application and then agree on a loan amount, interest rate and loan terms upfront. Car loan amounts can vary depending on your Australian credit score, the car itself and other conditions, fees and charges.
The lender may also secure the loan against the car, which means the vehicle acts as collateral until the loan is paid off.
