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.
Getting a loan shouldn’t feel like applying for a passport.
Online car financing is a smarter, faster and more human way to get behind the wheel. Skip the back-and-forth, bank queues and paperwork blowouts and take a streamlined path toward your financial goals. Here’s what going online really means:
Applying online means no queues and no paperwork. Upload documents digitally and get a lightning speed match with a local lender.
No appointments and no pressure. You can apply from your phone or laptop at any time and any place.
Get answers, not delays. Our WA-based crew supports you from lift-off to landing.
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.
Once you enter your details in our brief application form, you’ve got the ball rolling. our crew will give you a call within 20 minutes to grab a few details about your working, living and financial history. With your permission, we’ll then submit those details to all our lenders. After that, we do what we do best: haggling lenders to find you the best rate on the market
Once we find you a suitable lender and rate, we’ll perform a soft credit check. Some brokers will do this before they match you with a lender, but by taking the time up front, we protect your credit score from multiple unnecessary checks,
Once your lender is confident they can help with you car loan, they will ask for identity and financial proof. This ensures that your identity and credit file is kept safe and secure throughout the process.
We’ll send you a link to a secure portal created and managed by illion. It acts like an anti-fraud air lock, protecting you from damaging information leaks. It will verify your documentation and ask you to log into your banking systems to confirm your finance history. The system then sends our crew secure copies of your statements that cannot be fraudulently copied or tampered with. At no point do we have access to you bank.
This is a required practice when providing finance in Australia, so it’s important to avoid brokers or lenders who do not offer a similarly secure method of verification.
Once our portal has verified your identity and finance history, we can generate your loan documents. This is where you can take a break and let us do the heavy lifting. We’ll liaise between you, the seller and the lender to ensure a smooth journey.
Then, sign the contract using PleaseSign and you’ve blasted-off toward your financial goals! The funds will be released almost immediately and you can drive away in peace, knowing you have a local partner you can trust.
Illion is one of Australasia’s leading consumer and commercial credit bureaus, helping people and businesses safely share financial information when they apply for financial services.
It works like a super secure postman: you hand over your information in a sealed envelope and Illion makes sure it gets to the right place without anyone having a peek. Like a bank, they use advanced security systems that protect your information and limit access to your accounts, whilst still giving lenders everything they need to know.
Once illion have done their job, they immediately terminate their own access to your accounts. Visit illion’s website here for more information.
PleaseSign is a secure and trusted way to sign documents online. Think of it like signing a paper contract in person, but instead of using a pen, you use your finger or a mouse. It’s legally binding and many lenders see it as safer than signing on paper.
Here’s how it works: we send you a document that needs your signature through PleaseSign. You’ll get an email with a secure link to the document. You open it, review the details and when you’re ready, you click or tap to sign.
PleaseSign protects your signature and the document with advanced security systems to ensure no one can tamper with it.
Visit PleaseSign’s website here for more information.
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.
Yes, signing documents electronically is secure when using reputable platforms like PleaseSign. These systems use encryption and other advanced technologies to ensure your signature and document cannot be tampered with. It’s as legally valid as signing with pen and paper.
Uploading your ID electronically allows financial institutions to quickly and securely verify your identity. This is a standard process to prevent fraud and ensure the person applying is really you. Your documents are encrypted and protected, just like your banking information.
When you share your financial information through a secure digital portal like Illion, it’s used only to assess your application. The system temporarily accesses your details to confirm your income and spending habits. Your data isn’t stored or shared beyond what’s necessary for the application.
Trusted platforms follow strict regulations and use top-tier security measures, such as encryption and multi-factor authentication, to protect your personal information. These technologies ensure your data stays private and is only accessible to authorized parties.
Many lenders offer alternative ways to complete your application, like visiting a branch or speaking with someone over the phone. However, digital processes are designed to save you time and reduce paperwork while maintaining strict security.
Yes, digital signatures are legally recognized in Australia and many other countries. They are just as valid as handwritten signatures and meet strict legal requirements to protect you and the other party involved.
Most digital portals allow you to take a clear photo of your documents using a smartphone or tablet. These images can be securely uploaded to complete your application.
Always double-check that the request comes from the official website or email of the company you’re dealing with. Look for secure connections (a padlock symbol in your browser) and contact the company directly if you’re unsure.
Yes, most platforms allow you to save or download a copy of the signed documents for your records. You can also request a copy from the lender if needed.
Reputable platforms have customer support teams ready to help. If you experience any issues, contact the lender or platform directly for assistance. They can guide you through resolving the problem securely.
