*T&C apply. Students and visitor visas not eligible
* Subject to criteria
Select the total amount you want to borrow and how many years you would like to pay the loan. Next, select the exact amount you would like to contribute with a deposit for your loan. A deposit is not required but recommended.
Balloon Payment: A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan.
Disclaimer: Any calculation made using this calculator is intended as a guide only. It is for illustrative purposes only, and based on the information you provide. Quoted repayments do not include lender fees and charges
With one of the largest lending panels in Australia, it is easy to offer you the best finance offers for tradies.
Online car loan application; easily upload and sign documents directly from your phone or computer.
Our massive lending panel allows us to find you the best tradie's finance deals.
We care about you, so we make sure we don't impact your credit score.
With our fintech platform, we match you with a lender and pre-approve your car loan in minutes.
We have Low Doc options for ABN holders. You don't need any financial documents, and we can get you approved!
Our automated finance software ZINK matches you with a lender and get you the best Ute finance deals for your circumstances.
Get approved and drive away!
.png "best car loan australia")
Your car finance questions answered
No. Unlike a bank, we do not leave an impression on your file as part of our assessment. When you submit an application with Ausloans, the information in the form is retrieved to analyze loan options available for your specific circumstances without affecting your credit score (soft credit touch). This means it will not show on your credit file as a “declined” if your application is unsuccessful. Your credit score only gets affected if when, after discussing loan options with your broker, you decide to go ahead and an application is submitted to a lender.
Yes, we require comprehensive insurance on your car. Our team of asset finance brokers can help you arrange comprehensive insurance and add this to your loan package if you wish.
Yes, you can be approved if you don't have a deposit. At Ausloans we offer no deposit car finance, which means 100% of the purchase price is included in the car loan package. This means if you don't have the funds upfront to buy the car of your dreams, you still have a chance of getting your car loan approved depending on your specific circumstances.
Yes, you can get approved for a poor credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you.
The right loan for you will depend on how you're employed. We offer commercial car loans and consumer car loans
A consumer car loan is a standard vehicle finance option for consumers, available with no deposit and usually up to 7 years term.
Car Loan Options
A commercial car loan is only available for ABN holders to finance a vehicle that will be used at least 51% of the time for business. As it has Low Doc options, it is more flexible than a consumer loan. It is available with no deposit and usually up to 7 years term.
Low Doc Options
.png?width=2000&name=Website%20covers%20(29).png "Website covers (29)")
We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.
We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. Additionally, we can find Australiawide the right vehicle for you through our vehicle solutions partner Drive.
Our car finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities. Our rates start as low as 4.69%* for new vehicles for business and consumers.
* based on a commercial contract for a new vehicle with specific criteria.
Not necessarily. You can source your own ute or working vehicle. But if you wish, we offer a holistic solution; from sourcing a vehicle through our vehicle solutions partner Drive to new and used ute finance at the most competitive rates and specs.
To qualify for finance you need to:
*We may be able to help if you have a visa with more than 2 years remaining.
**Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.
*** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.
Making an application is quick and easy. You just need to have the following documents ready to give to your broker:
Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution.
Yes, you can. If you are self-employed, you can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties.
The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc.
Our online application takes 2 minutes to fill out, once completed our call centre calls you within the next 24 hours to pre-approve you and transfer you to an assigned broker. Once the documents are gathered and the broker submits the application to the lender, approval can take from 2 hours.
Yes, you can get approved for a bad credit ute finance. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you.
To help bad credit ute car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.
At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance.
The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score.
Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.
A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.
/Ausloans%20car%20loan%20aggregator/werribee%20motor%20group.png?width=170&name=werribee%20motor%20group.png "werribee motor group")
.jpeg?width=472&name=download%20(1).jpeg "download (1)")
^Representative example: Based on a $30,000 'Green Car' loan with a 60 month term at a rate of 5.89% p.a. The comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates.
*Interest rates range from 5.89% p.a. Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans Finance Group credit criteria and terms and conditions apply.
Ausloans Finance Head Office: 1/33 Ereton Drive Arundel QLD
Ausloans Finance Group is a member of the Finance Brokers Association of Australia (FBAA), Australian Financial Complaints Authority (AFCA) and the Franchise Council of Australia (FCA). Ausloans Finance Group entered the market in 2009 and has grown to 3 brands within the group to offer consumers, brokers, dealerships and other businesses a holistic approach to financing.
