Rate From
Fixed (comp*)
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Purpose For Loan

Thank you for your interest in our loan packages. Unfortunately, your current situation places you outside of our loan approval guidelines and we are unable to process your enquiry at this time. Would you like to join our mailing list so we can stay in touch for the future?

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:

Amanda HardingAmanda Harding ★★★★★ Ebony was fantastic. Make the process really easy and got the loan approved very quickly.Danny SlaterDanny Slater ★★★★★ I am very happy with the service provided by jay at loans unlimited very helpful and if I was unsure of anything it was explained to me properly I would definitely recommend to friends and familyGary EmersonGary Emerson ★★★★★ Legendary service by Dave. Great to deal with and so easy.gary croftgary croft ★★★★★ Awesome finance company! Brooke has been an amazing help in getting approved my my car finance. I would 100% recommend this company to all of my friends and family.David JordanDavid Jordan ★★★★★ Dealt with Caillan and it was so smooth, the process from the beginning till the end, thanks Caillan.Jazzyfiz Loc9Jazzyfiz Loc9 ★★★★★ Fantastic communication and service went above and beyond thank you so much jay 🙂David PondrosDavid Pondros ★★★★★ I really love the customer service,so helpful and got quick result, I wouldn’t hesitate to go back to them if I ever need help again, thank you very much🙏🙏Connor GregoryConnor Gregory ★★★★★ Had Jay as my agent, was great and provided info every step of the way, also had a contact at Mazda for my new ute, very smooth process.Response from the ownerThanks Connor! Great to hear, enjoy the new ute 🙂 Liam Askin-jonesLiam Askin-jones ★★★★★ Anna was amazing and helped me in every step of the way. Even got me cheaper insurance for my new vehicle.Response from the ownerThanks Liam, enjoy your new car! 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.

Fill in your details below and we will be in touch:

Please tell us a bit more info so we can fast-track things for you.



Purpose For Loan

Thank you for your interest in our loan packages. Unfortunately, your current situation places you outside of our loan approval guidelines and we are unable to process your enquiry at this time. Would you like to join our mailing list so we can stay in touch for the future?


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.