Car Loans Australia
Our Car Loan Features include:
- Rates from 8.27%
- Fast Approval- we can get you conditional approval on any given working day which means you'll have your new car faster
- $0 penalty on extra payments*
- Fixed rates, fixed repayments
- New or used car loans available
- Loan terms up to 7 years
- Residuals available so you can keep your payments down
- Dealer and Private sales are welcome
Click here for a quick quote on:
Which Car Loan is Best for You?
Choosing the right car loan can be a daunting task. There are many loan solutions in the market place. Car Loans vary in product features and interest rate, so how do you know whether you are getting the right loan for you?
The best way is to deal with an expert who is knowledgeable with what is out in the market and clearly understand your car loan requirements and match them with the most cost effective solution.
Quite often individuals make the mistake of ‘shopping for interest rates’. Fundamentally, the interest rate of a car loan can be important but only makes up one piece of the ‘car finance’ puzzle. You should also consider the following:
- Do you want to make additional payments on your car loan?
- What benefit do you get if I make additional payments?
- If you finish the car loan early, what is the early termination fee?
- Is the rate fixed or variable?
- How flexible is the product? For example, loan term and balloon amounts
Depending on your requirements and lifestyle, certain features of a car loan can save you money in the long term, so you shouldn’t just look at the interest rate in the immediate. A NatLoans Business Manager can explain these features to you so you make the best informed decision. We can save you time and money.
Car Loan Interest Rates
How do we rate against the banks?
Our Rates |
The Banks |
|
|---|---|---|
| Cars from | 8.27%* | ANZ Personal Loan rates from 13.89%† |
| Bikes from | 8.95%* | Westpac Personal Loan rates from 13.89%† |
| Boat from | 8.75%* | CBA Personal Loan rates from 13.80%† |
| Commercial from | 7.75%* | NAB Personal Loan rates from 13.40%† |
We know the car loan market is a competitive market with so many variables. When you are looking for car loan & finance interest rates, make sure you get all the facts and the figures. We specialise in placing you with the best finance deal possible.
Car Loan Repayment Calculator
So why a Broker for Car Finance?
Many people believe that if you go to a broker they act as a middle man and can ‘rip you off’ and prefer to deal with one lender directly. A large, reputable brokerage like NatLoans, who has long standing relationships with lenders.
These relationships mean we write large volumes of business each month which in turn provides access to deals that a ‘normal’ retail customer off the street cannot access.
Lenders have many costs to absorb when you go through their normal retail channels. These costs are passed onto you. However, at Natloans, our products remain competitive because we right large volumes of business with lenders who in turn provide us with premium deals which we pass onto our customers. We try to keep our cost down and pass on the benefits to you. It’s easy!
What are some of the factors which determines rate?
Car Loans are very different to home loans. A secured car loan from most lenders looks at the following criteria to determine the cost of your car loan:
- Is the car for business use or personal use?
- Is the car new or used?
- What Loan Term do you desire?
- Have you had any credit problems?
- Are you placing a deposit/trade in or is this 100% finance?
What is “Pre-Approval” ?
Planning is always a good thing. The first step to purchasing a car should always involve the question, “How will I pay for this car?” And if you don’t have the funds in the bank, like most of us, seeing whether you can get finance is probably a very wise step before you hit the car showrooms.
Pre-approval gives you bargaining power when you are negotiating price on a car. Natloans arrange ‘pre-approval’ for over 80% of our clients. Most of our pre-approvals can be for private and deal sales.
Yes we can think outside the box! Low Doc Car Loans for the Self Employed:
Don’t have 2 years worth of financials? Or is your business a new venture? Need a new car and the banks won’t help. NatLoan has access to many different lenders with ‘non traditional’ lender appetite.
What does this mean for my car loan?
Low doc loan solutions for self employed applicants. Clients wanting to purchase a new car under 50K can access the same great rates as full doc loans but not have to worry about all the paper work at the accountants.
We not only have Low Doc Car Loan options. We can assist with Low Doc Boat loans.
For more information on Low Doc Car Loan Solutions, speak to one of our Commercial Finance Consultants on 1300628562 or apply online.
Insurance Cover
Natloans can arrange insurance to protect your car loan and reduce risk. These include:
- 20% discount on Comprehensive Motor Insurance
- Shortfall (Gap) Cover
- Loan Protection Cover for death, disablement, involuntary unemployment and trauma
Second chance car loan
Had credit problems in the past? Been bankrupt or have defaults on your credit file? We can still assist in getting you a car loan. Learn more about second chance car loan.
Looking for a new car?
NatLoans has strong business relationships with a number of major dealerships throughout Australia. What does this mean? We pass on significant discounts on new and near new vehicles. Manufacturers include:
- Audi
- Ford
- Holden
- Lexus
- Mazda
- Toyota
Although we are passionate about cars, we believe that there is something that we can all do to off set cost to the environment.
Check here to find out more about tips to green driving.
Find out more about loan products:
Personal Unsecured Loans
Consumer Secured Loans
Hire Purchase
Finance Lease
Novated Lease
Chattel Mortgage
*Terms, fees and conditions apply. To approved applicants only. Rates are guide only and assume clear credit.
†rates advised on their respective websites. Information correct as at 18th of September, 2009
