Find your best car loan deal today, with free personalised quotes from top Australian lenders.
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Phil was very helpful, explained all the terms to me clearly and simply. It was an easy process to work with Phil and get my loan approved.
"Phil Collard made financing my chattel mortgage effortless — knowledgeable, responsive, and genuinely helpful throughout. Highly recommend his expertise for anyone needing finance guidance!"
Very prompt service and helpful all the way through
Phil was amazing to deal with, knowledgeable, professional whilst also caring / listening to any questions. Really happy with the process. I would highly recommend him.
The representative who assisted me whose name was Joseph was an absolute professional and pleasure to deal with. Will be recommending to future colleagues
Great service, and fast. The funds went into my account within 24hrs! Thanks Phil.
Phil is fantastic, he was quick, professional and responsive at every step. His experience is evident and frankly the best iv'e dealt with. I'd recommend Money.com.au and Phil to anyone looking for finance.
Agent inspired confidence. Good answers to concerns. Responsive.
Working with Phil and Miguel was such a breath of fresh air. That level of customer service is genuinely hard to find these days. Thank you for making the whole process so pleasant — I highly recommend them!
So helpful! Saved me a bunch of time and money. Thankyou for your assistance and efficiency.
I had a really great experience with money.com. The entire process was super straightforward and easy to follow, which made everything feel stress-free from start to finish. The customer service was incredible. The team was friendly, helpful, and always willing to answer any questions I had. They were also very responsive, which I really appreciated. On top of that, the pricing was excellent and very competitive. I would definitely recommend them to anyone looking for a smooth and reliable experience.
Explained everything really well,treated me like I mattered an just got the job done👍
Phil made the whole process easy and stress free.
Phil was a pleasure to deal with, great personable attitude in calls, very professional and got the job done overcoming a few hurdles hassle free. Also protected us, minimising additional time and effort on us, by challenging lender to do a key step more efficiently saving us hours effort. 100% recommend Phil!!
Great service and very helpful
Phil took the stress out of the loan process and was quick and efficient while getting us a better deal than the car dealership offered. This was my first time working with a broker for a car loan, and I would absolutely work with Phil again in future.
Joseph Andrawis has been very helpful, with clear and excellent communication.
Joseph Andrawis at Money.com made the process of obtaining vehicle finance straightforward and stress-free. He was both personable and professional. He kept us updated the whole way and was responsive and easy to get in touch with at all times. We would definitely recommend and use again.
Phil Collard was absolutely brilliant - I wish I had 2 pairs of hands so I can give this guy 4 thumbs up - legendary service from my first enquiry right through to settlement. Phil always answered my calls and emails immediately, even when he was on holidays. Phil was never pushy and always polite and personable. He is a customer service superstar and if his boss is reading this then he should buy Phil a gold Rolex, as I have no doubt as Phil will continue bringing much business and happy customers to the company - well done Phil, I'll be scrapping my bank manager and calling you next time I need finance. Thanks again for a smooth and easy transaction.
Phil was excellent communicator, professional and respectful. Honest and efficient. Provided all detail we needed and made the process simple and clear. Recommend the service.
A secured car loan is when the vehicle you’re purchasing is used as security for the loan. If you fail to repay the loan, the lender can take back the car. This type of car loan generally offers lower interest rates due to the lender’s reduced risk, but it also means if you default on the loan, you could lose your car.
An unsecured car loan does not require the vehicle to be used as security. The lender offers the loan based on your overall financial situation (including existing assets you own like your home) and your ability to repay the loan. Unsecured car loans typically come with higher interest rates than secured loans, as the lender takes on more risk.
A low doc car loan is aimed at self-employed individuals or business owners who don’t have traditional sources of income. Lenders usually require less paperwork, often as little as a declaration of income from an accountant, your ABN or ACN if relevant, and other details about your business. Not all lenders offer low doc car loans and in most cases, rates will be higher.
A used car loan is an option for those purchasing a second-hand vehicle, and it can be either secured or unsecured. Interest rates are typically higher than for new car loans and lenders may impose age restrictions on the vehicle (i.e. no older than 7 years).
A green car loan is specifically designed for purchasing eco-friendly vehicles, such as EVs or hybrid cars. They often come with lower interest rates and special incentives (like small discounts) to encourage consumer adoption of this technology.
A bad credit car loan is aimed at borrowers who have a poor credit history, such as those with defaults or missed payments. These loans give individuals with bad credit an opportunity to secure finance. The trade-off is that they usually come with higher interest rates and stricter terms to offset the lender’s risk.
A chattel mortgage is a type of secured car loan for vehicles that are used for business purposes at least 51% of the time. With a chattel mortgage, the business owns the vehicle, but the lender holds a mortgage over it.
To qualify for a car loan in Australia, you'll typically need to meet these eligibility criteria:
Money.com.au is a proudly consumer-first financial comparison platform, matching engine and expert guidance resource for Australians. We give consumers and businesses a better, simpler, fairer way to compare car loans and a range of other financial products from trusted lenders and providers.
We do this through our team of industry-leading experts, and our free and easy-to-use comparison tables, calculators and tools.
We give our customers access to more than 40 car finance providers in Australia, ranging from major banks and online-only lenders, to specialist lenders.
Our range of partner lenders means we can offer our customers multiple competitive deals to choose from, and find high-quality finance solutions in virtually all scenarios.
We can get your car finance application submitted and approved the same business day if we have all the information the lender needs. It's often possible to have the finance settled and the funds in your or the car dealer's bank account within 24 hours.
Yes, most of the lenders we partner with will finance a new or used vehicle, whether you're buying direct from a manufacturer's showroom, through a dealer or via private sale.
The exact process might differ slightly depending on where you're buying the vehicle, but getting finance should be possible either way.
No it doesn't. We'll help you compare a range of tailored car finance offers, with no impact on your credit score. We do this by doing what's known as a soft credit check. This lets us determine which lenders may be suitable and what rates you may be able to access, but it does not damage your credit score.
If you end up applying for a car loan, the application will be recorded on your credit report. This is the same as what would happen if you applied with a lender directly.
Generally speaking, there's no minimum credit score that's required to get a car loan in Australia. Some mainstream lenders may have a minimum, but even if you have bad credit, there are other specialist lenders who are open to lending to bad-credit borrowers. These lenders base their approval decisions on a more holistic assessment of your financial position and credit history, not just your credit score.
Yes, we can. We have a number of 'low-doc' lenders on our panel who offer car loans to borrowers who can't provide the standard documentation that banks usually require.
So, if you're self-employed and can't provide pay slips as proof of income, these lenders will consider other ways for you to demonstrate that you can service the loan, such as tax returns or a self-declaration of income.
Working with a car loan broker, like Money.com.au, can be particularly valuable for self-employed borrowers.
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Comparison rate is based on a secured personal loan of $30,000 repaid over 60 months. Terms, conditions and credit criteria apply. Fees and charges for late or defaulted payments may apply. WARNING: The comparison rates shown are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.
If you would like help finding the right car loan, we will connect you with a Money.com.au partner broker using the information you provide us. This won't affect your credit score. Please note that some lenders displayed in Money.com.au's car loan comparison tables or featured in our Editorial content are not currently available through Money.com.au partner brokers and we can't guarantee rates from a specific lender. Money.com.au may earn a referral commission from the partner broker we connect you with.
General information only The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any car loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular car loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.
What products, features and information are shown While we make every effort to ensure all car loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included. Our product comparisons may not compare all car loan features and attributes relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice.
How car loans are sorted and filtered by default Car loans in our rates comparison tables are sorted by:
Sponsored products are shown first (sorted in the same way). We may earn a commission if you visit a lender's website via a sponsored link on this page.
