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Car Loans Perth

Whether it's a brand-new car off the lot, a used vehicle privately, or a fleet upgrade for the business, we compare finance options across specialist auto lenders and major banks to find the right structure for you.

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New or used

Finance for dealer or private sale, demo, near-new or used vehicles.

Fast approval

Straightforward approvals in as little as 24–48 hours with clean docs.

Personal or business

Consumer car loans or chattel mortgage for ABN holders — we structure for tax where applicable.

Consumer car loans

For personal use vehicles, secured car loans typically offer lower rates than unsecured personal loans because the vehicle acts as security. Rates vary by lender, loan term, age of vehicle and your credit profile.

Business vehicle finance

ABN holders have additional options including chattel mortgage (own the vehicle, claim depreciation and GST), novated lease (employees), and commercial hire purchase. We work alongside your accountant to pick the most tax-effective structure.

Balloon payments

A balloon (residual) payment at the end of the loan reduces your monthly repayments but increases total interest. We model both structures so you can choose based on cash flow and how long you plan to keep the vehicle.

What you'll need

Typically: ID, proof of income (payslips or BAS), details of the vehicle you're buying, and your deposit or trade-in information. We'll send a checklist before we start.

FAQs

Can I get a car loan for a private sale?

Yes — many lenders finance private sales. The process includes verification of the seller and vehicle. We guide you through the inspection and settlement steps.

How long can the loan term be?

Typically 1–7 years depending on the vehicle and lender. Older used cars may be capped at 5 years.

Do I need a deposit?

Not always — 100% finance is available for some borrowers. A deposit can reduce repayments and unlock better rates.