DRIVE NOW.
PAY FAIR.
NO WORRIES.
Australia's most honest car loan crew. We compare 100+ lenders — banks, credit unions & non-banks — to get you from 5.89% p.a. with 60-second pre-approval. Utes, SUVs, EVs, first cars & bad credit. Sorted.
5.89%
from comparison rate
60 sec
online pre-approval
100+
lenders compared
24h
to drive away
Australian Credit Licence 123456 • 100% Aussie owned
We hate dodgy car loans as much as you do.
Dealership finance kicked us off. We saw $39k utes sold with 19.99% loans + $4k of add-on insurance punters didn't need. So we built aussiecar.loans — a brokerage that works for drivers, not dealers. No commissions to push, no yard mark-ups, just the cheapest loan you actually qualify for.
- ✓Whole market, not one bank. We ping 100+ lenders at once — majors, mutuals, green EV lenders — and show you top 3 side-by-side.
- ✓Soft-check first. See your real rate with zero impact to credit score. Only hard enquiry when you say go.
- ✓Ute, 4WD & tradie specialists. ABN, low-doc, novated lease, balloon/residual — we speak Hilux, Ranger, LandCruiser.
- ✓Bad credit second chances. Defaults, part IX, Centrelink + casual? 38% of our approvals were knocked back elsewhere.
- ✓EV & hybrid discount. Extra -0.5% off for Tesla, BYD, MG4, Corolla Hybrid + $0 fees on green loans.
No yard tricks
We unwind dealer mark-ups, extended warranties you don't need, and inflated balloon payments.
Same-day settlement
Private sale? Auction? We pay seller via NPP in hours, handle PPSR, REVS & transfer papers.
Pick your ride. We'll sort the rate.
Secured from 5.89% p.a. comparison 6.42% p.a.* Unsecured, low-doc & lease options. All with redraw, extra repayments & no monthly fees.
New & Demo Cars
From 5.89% p.a. Borrow to 110% incl. on-roads. 7yr terms, balloon to 40%.
Used Cars 2-12 yrs
From 6.19% p.a. Private sale + auctions covered. Free PPSR & inspection discount.
Utes, 4WD & Vans
Hilux, Ranger, D-Max, Hiace. ABN & GST claim help, low-doc to $150k.
EV & Hybrid Green Loan
-0.5% discount, $0 app fee. Tesla, BYD Atto 3, MG4, RAV4 Hybrid + charger bundle.
💳 Bad Credit / Low Score
Defaults, late pays, Part 9? From 9.95% p.a. with 12-mo clean history → refinance to prime. Guarantor option.
🧾 Novated Lease & Salary Sacrifice
Save $3k-$8k/yr tax. We handle employer, fleet discount (up to 12% off RRP) + fuel card.
🏍️ Bikes, Boats & Caravans
Harley to Jayco caravans. Leisure loans 6.99%+ with 7yr terms and seasonal pause.
What will your ute actually cost ya?
Slide it. See weekly, fortnightly & total interest instantly. No email needed.
*Estimate only. Comparison rate 6.42% p.a. on $30k/5yrs secured. Fees & lending criteria apply.
Soft credit check only. Won't affect score.
From arvo browse to driveway in 4 steps.
60-sec check
Tell us loan, licence, income. Get live rate & borrowing power instantly.
Compare 100+
Human broker + AI hunts cheapest 3 loans. No dealer mark-up.
E-sign & verify
ID + bank statements via illion. Formal approval 4-24hrs.
Drive away
We pay seller same-day, sort rego transfer & PPSR clear title.
What you need to apply
100 points ID, 3 months bank statements, payslips or ABN + BAS, seller details or dealer invoice. Renters & casuals welcome — we use 6-month average income, overtime & allowances included. Centrelink Family Tax + second job counts.
Aussies rate us better than their footy team.
"Dealer quoted 13.9% on a Ranger. AussieCar got me 6.44% and saved $11k. Paid seller same arvo."
— Jake M., Blacktown NSW • Ford Ranger"Single mum, casual nurse, 580 score. Approved $24k for CX-5 in 9 hours. Cried happy tears."
— Sarah L., Geelong VIC • Mazda CX-5"Novated lease on BYD Seal saved me $7,200 tax first year. They even sorted charger install."
— Priya K., Parramatta • BYD Seal EVQuestions? Good. We like smart borrowers.
Can't find it? Call 1300 number below — real humans in Sydney, 7 days.
Latest car loan intel.
Rates, EV deals, ute reviews & borrowing hacks — updated weekly by our Sydney brokers.
RBA holds: what it means for car loan rates this spring
Fixed car rates from 5.89% hold firm. Why now is smart to lock before Xmas ute rush.
Read guide →
BYD vs Tesla finance: real repayments compared
Green discount shaves $1,840 off a $45k EV over 5 years. Full maths inside.
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Tradie ABN loans: low-doc to $150k without BAS hell
How 12-month ABN + 3 months statements gets you in a new Hilux.
Read guide →GET YOUR 60-SEC RATE CHECK
Tell us what you want to drive. We'll text back your max borrowing, weekly repayment & cheapest 3 lenders. No spam, no pressure.
Sydney HQ: Level 27, 1 Bligh St, Sydney NSW 2000 • Mon-Sat 8am-8pm AEST • 1300 123 456 • [email protected] • ACL 123456