WHEELS unlimited. YOUR NEXT CAR Is Waiting.
If you’re ready to finance your next car, you need a broker who knows the Perth car loan market and can match you with the right lender fast.
Our crew give Perth drivers access to 40+ lenders, competitive rates and same day pre-approval – whether you’re buying a new car from a dealership, picking up a used model from a private seller or upgrading your work vehicle. Apply for finance online, get a call back within 20 minutes and drive away sooner than you expected.
Click ‘Apply Now’ or request a free quote to get your car finance moving today.
See our Perth Car Financing team in action, with a short walkthrough with our Director, Caillan Timbrell
Navigating car finance options involves understanding loan structure and lender type – and that’s exactly where we add value. Unlike dealer finance, which typically pushes a single lender’s products, our crew works for you, not the car dealer or the lender.
We understand WA market conditions, from the mining-sector income patterns that affect borrowing capacity to the specific eligibility criteria lenders apply to Perth applicants. That local insight means better lender matching and fewer wasted applications.
Using a broker can access wholesale rates lower than advertised rates. When you compare loans through us, you’ll often find a lower interest rate than walking into a bank or accepting car dealership finance on the spot.
Whether your income comes from PAYG employment, self-employment or other means, we connect you with lenders who assess your circumstances fairly. Bad credit or non-traditional income doesn’t automatically mean “no.”
We work with dealerships throughout the metro area, so you can shop with pre approval in hand and negotiate your purchase price with confidence – hassle free.
Brokers work for car buyers, not lenders or dealers. That distinction matters when thousands of dollars in loan interest are on the line.
We’re situated right in the heart of East Vic Park, Perth’s major hub for car dealerships such as John Hughes, Capital Motors, 3MT and many, many more. Not only are we dealer-agnostic, meaning we can provide finance for ANY car you buy, we also have partnerships with a select few meaning we can often help you find a better deal on the car price itself.
Meet the team behind Loans Unlimited. Our Perth-based finance specialists are here to make getting car finance straightforward, transparent and stress-free. Whether you’re buying your first car, upgrading your current vehicle or looking for finance that suits your circumstances, our team can help you understand your options and find a loan that works for you.
General Manager
Caillan Timbrell is one of the driving forces behind Loans Unlimited, with extensive experience in the finance industry and a strong focus on making the borrowing process easier for customers. As one of the founders of Loans Unlimited, Caillan has helped build a customer-focused brokerage where people can access practical guidance without the confusion often associated with finance.
Director
Neil Bennett is a Director and co-founder of Loans Unlimited, bringing extensive experience in finance and a strong commitment to customer service. Neil has spent many years helping customers navigate their financial options and understands that every borrower’s circumstances are different.
Online Team Manager
Ebony is a valued member of the Loans Unlimited team, known for providing customers with efficient service, clear communication and ongoing support throughout the finance process.
Our crew can help you find secured loans, unsecured loans, novated leases
and specialist products – and our panel of 40+ lenders means we can match you with the best car loans for your situation. Here’s a breakdown of the auto financing options available.
A secured car loan uses the vehicle as collateral for the loan. Because the lender’s risk is lower, secured car loans typically have lower interest rates than unsecured loans. Most car loans are secured, especially for new vehicles.
Secured loans typically have lower interest rates than unsecured loans, which is why they’re the most common choice for Perth buyers financing a new or used car.
An unsecured car loan doesn’t require the vehicle as security. Unsecured car loans typically carry higher interest rates due to increased risk for the lender, but they offer advantages in specific situations.
Unsecured car loans usually have higher interest rates due to increased risk, so it’s worth running a car loan comparison to see whether the flexibility justifies the extra cost.
Low-doc loans require minimal documentation for approval. They are ideal for self-employed borrowers or those with irregular income who can’t provide standard payslips.
For businesses, auto financing a commercial vehicle or fleet comes with potential tax advantages and structured repayment options.
From loan application to funds in your account, our process is fast, paperless and secure. Here’s how it works.
Complete the application form in just 4 minutes. During business hours, you’ll receive a call back within 20 minutes. Our crew review your financial situation, discuss your car finance options and submit your details to matched lenders.
Importantly, we perform a soft credit check only after lender matching. This protects your credit score from unnecessary hard enquiries that can affect future loan approval.
Upload your ID and financial documents via a secure digital portal managed by illion – a trusted credit bureau. We’ve chosen to handle the application process online to maximise convenience, speed and accuracy.
You need identification for a car loan application, along with income and employment details, information about your assets and liabilities, and vehicle details for the loan application process.
The illion portal verifies your documents, requests read-only bank login to confirm transaction history, sends tamper-proof copies to your broker and then terminates access. Your broker never has direct access to your bank account.
Once your loan is approved, documents are generated and sent for electronic signing via PleaseSign – a legally binding e-signature platform. You sign from your phone or computer, wherever you are. Funds are released promptly after documents are completed and security is registered.
Pre-approval can help you know your spending limit before you start car shopping, so you can negotiate at the car dealership or with a private seller from a position of strength.
We understand that uploading ID, sharing bank details, and signing loan documents online raises questions. Here’s how our digital process is designed to be safer than traditional paper methods.
illion is one of Australia’s most established credit bureaus. When you verify through illion, your data is encrypted in transit, access to your bank information is read-only and temporary, and tamper-proof statements are sent directly to your broker. illion does not give brokers ongoing access to your accounts.
PleaseSign is an electronic signing platform where documents are encrypted, delivered via secure email links, and stored in ISO 27001-certified Australian data centres. Every signature includes an audit trail with IP logging and timestamping – making it more traceable and secure than a pen-and-paper signature.
Your data is protected by encryption in transit (TLS), identity verification checks, and strict access controls. If you’re ever unsure about a digital request, your broker can walk you through every step by phone.
We’re proud of the feedback we receive from Perth and WA customers.Here are what real customers have said about working with Loans Unlimited:
“Thank you to Derek Maclean with Loans Unlimited. He was amazing helping me to get finance for my first car. He helped me through every part of the process and explained everything clearly. It was a fast, easy and friendly service!”
Car Loan
“A big thank you to Brooke! She was prompt and professional, very informative and knowledgeable with any questions or queries. I would definitely recommend Brooke and Loans Unlimited. Great service!”
Car Finance
“The process has been smooth and stress free with Ebony keeping me up to date constantly. Thank you so much for helping me get my new car.”
Car Loan
Loans Unlimited serves customers across:
Whether you’re in the CBD or regional WA, the same fast, secure process applies.
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.
Whether you’re buying your first car, upgrading or financing a used car from a private seller, our crew make the process fast, transparent and tailored to your situation.
With 40+ lenders, local expertise and pre-approval within the hour, your next car is closer than you think. Don’t settle for dealer finance or a single bank’s offer – let us find the competitive rates and loan terms you deserve.
Click ‘Apply Now’ to get started.
You need identification (driver’s licence or passport), proof of income (pay slips or BAS/tax returns for self-employed), details about your assets and liabilities, bank statements for the last 2–3 months, and vehicle details including year, make, model, and odometer reading. If you’re buying from a car dealer, a written quote or invoice helps speed things up.
With full documentation and a solid credit history, loan approval can happen within 1 hour and funds released the same business day or next business day.
Absolutely. Electronic signatures are legally valid in WA under the Electronic Transactions Act 2011 and nationally under the Electronic Transactions Act 1999 (Cth). PleaseSign implements encryption, identity verification, and a full audit trail – every document is timestamped, IP-logged, and stored securely. You can access your signed documents anytime.
We understand not everyone is comfortable with fully digital processes. Your broker can walk you through every step over the phone, explain exactly what each platform does, and answer any concerns about data protection. If you need alternative arrangements, talk to our crew – we’ll work with you to find a solution that keeps things moving.
Balloon payments in loans involve making a large final payment – a lump sum – at the end of the term. This reduces your monthly repayment during the loan but means a significant amount is due at maturity. Early termination fees can offset the benefits of low headline interest rates, so always check whether your loan charges early repayment fees before you sign. Comparing loans on their comparison rate – which is based on a $30,000 loan over 5 years and includes standard fees and charges – helps reveal the true loan cost.
A fixed interest rate locks your car loan repayments for the entire loan term, giving you certainty on what you’ll pay interest each month. Variable rates may start lower but can change over time. The average fixed car loan rate is 7.49%, while the average variable car loan rate is 8.51%. Your broker can help you compare car loans side by side and find the loan type that fits your financial situation. Interest rates for car loans in Perth generally range from 5.67% to 11.5% p.a., depending on your credit score, the vehicle’s age, and the loan amount.
Yes. Refinancing can lower your monthly car loan payments if interest rates have dropped or your credit history has improved since your original loan. A lower interest rate can significantly reduce total loan costs. However, refinancing may involve fees that affect overall savings, so it’s important to run a car loan comparison using comparison rates to assess the true cost of refinancing options. Comparing loans can save you thousands over the loan term. Lenders often reserve the best rates for borrowers with high credit scores.
