PREPARATION unlimited.
Lock in your budget before you hit the road
Car Loan Pre-Approval
Apply for car loan pre-approval with Loans Unlimited and we’ll tell you exactly what you can borrow, no vague estimates, no runaround. That’s a real number to walk into any dealership or private sale with, and negotiate like you mean it. Already found the car, or still looking? Either way, get pre-approved first.
Explore how much you can borrow then let Loans Unlimited sort your pre approval
We’ve helped thousands of Aussies get a car loan pre-approval BEFORE they go shopping, and we’d love to help you too! Use the slider below the work out your ideal payment structure then fill in the form to get something approved.
Work out your car loan repayments
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.
Why get A Car Loan pre-approvAL?
A pre-approved car loan gives you a clear picture of what you can borrow based on your income, credit and lifestyle. With a set budget and the ability to walk away at any time, it takes the gravity out of the purchasing process.
Once pre-approved, you can search for vehicles that fit your criteria and jump into action once the right one comes along. Click here to read about some other benefits of securing pre-approved car finance.
You can think of pre-approval as a green light for your car search, and our crew are your mission control.
With a car loan pre-approval, you can:
- Shop with confidence knowing your budget is backed by a lender
- Negotiate better deals with sellers who see you're ready to buy
- Avoid wasted time on vehicles that don’t fit your finance
- Speed up the process when you’re ready to finalise the purchase
How Pre-Approved Car Finance Works
At Loans Unlimited, we’ve streamlined our online application process to make pre-approval quick and straightforward. With a single application, you’ll get access to 40+ lenders and put yourself in the captain’s seat.
Start online
- Take a few minutes to fill out some simple details in our online form.
We assess your options
- We'll create a profile based on your income, expenses and goals and match you to lenders that suit.
You get pre-approved
- If eligible, we’ll provide a pre-approval limit you can use while shopping for a car.
Find your vehicle
- Once you’ve found the right car, we help finalise the loan and sort the paperwork.
Can you get pre-approved without choosing a car first?
You sure can, it’s not necessary to find the car before you apply. In fact, this is often the smartest move you can make.
Rather than basing their first assessment on the car itself, our lenders will pre-approve you based on your borrowing capacity. That lets you shop with a clear budget and gives you more confidence when it’s time to negotiate. When you do find the car, everything will be in-place and ready to launch.
What can affect your pre-approval?
Securing pre-approved car finance depends on a few factors, including:
Your income and job stability
Your current financial commitments
Your credit history
The type of car you plan to buy (age, price, condition)
It’s also important to understand that pre-approval is not a full approval. Once you’ve selected the car, the lender still has the right to decline financing if the vehicle doesn’t meet their criteria. Our crew will walk you through it all to make sure there are no surprises.
Get in touch with Loans Unlimited and line up your car finance today!
Whether you’re browsing online, buying from a dealership or looking at private sales, Loans Unlimited can help you get a pre-approval to take the gravity out of buying a car. With access to over 40 lenders across the galaxy, we’ll find an option suits your circumstances and helps you move forward with confidence.
If you’re browsing cars and would like to get pre-approved, click ‘Apply Now’ or get in touch with a member of our crew.
FAQS
Does getting pre-approved affect my credit score?
Not usually. We perform a soft check when assessing your eligibility, which doesn’t impact your score. A full credit check may only happen when you’re ready to proceed with the loan. But don’t worry, we’ll always let you know before that happens.
How long does car loan pre-approval last?
Depending on the lender, most pre-approvals are valid for around 30 to 60 days. That gives you a solid window to shop around, compare options and secure the right vehicle without needing to reapply.
If you are applying for a low doc car loan or commercial car finance, it’s best to confirm the timeframe with our team.
Can I get pre-approved if I haven’t picked a car yet?
Absolutely! Pre-approval is designed to calculate your borrowing limit before you choose a car. It helps you stay within budget and gives you the freedom to browse knowing your finance is ready to go.