Unsecured lending product

  • Rates: Starting from 6.95%

  • Loan term 3, 5 and 7 year terms available

  • Loan amount $5,000 - $65,000 (inc. all fees based on customers credit score)

  • Loan purpose Any worthwhile purpose including Gap Finance, Medical, Tax debt,

  • Business, New/Used Vehicle purchase, Debt Consolidation, Home furnishing, Travel, Wedding, Combinations and other

  • Annual fee / early repayment fee / early exit fee / account keeping fee Nil

Benefits of Unsecured lending

  • Simple easy and fast

  • Same day approval

  • Same day settlement possible

  • Lending is unsecured and can be used for most purposes

  • Less documentation required

Fees and Charges

  • Application fee Varies based on Amount borrowed – Sale person will discuss

  • No additional ongoing or account keeping costs

  • No early exit fees if paid early

  • No Discharge fee

When to refer

  • Does not meet Equity/LVR requirements

  • Does not meed FMCA score requirements

  • Does not meet NDI requirements

  • Loan purpose not acceptable

  • Cant meet customers time frame requirements

  • When you are not sure reach out and have a chat to one of our lenders.

We can help you every step of the way.

We are a complete one-stop shop to save you time, hassle and money. Our car loan specialist will help you complete your application and then navigate the minefield of lender requirements for you, negotiate with the lender for you, and arrange settlement.

Best possible deal

Our experienced car loan specialist will fight for you and save you money.

Bad credit

We can find you good value finance regardless of your personal circumstances or credit history.

Leading lenders

We select products from only the best lenders who meet out strict criteria for price, service and ethics.

Easy process

We have taken the hassle out of getting a car loan.

How to apply

CarLoans.com.au takes the hassle out of applying for a secured car loan.

Our four-step process saves you time and gets you behind the wheel fast.

  • Describe your needs and apply online or over the phone.
  • We'll find you the best finance available.
  • We'll arrange the application and the settlement.
  • Drive away in your new car!



Frequently asked questions

Yes, if the sum is large, it will be easier to obtain as a secured loan than an unsecured loan. Loans are less risky when an asset is used as collateral, therefore your chances of approval may be better. 

Secured car loans can last for anywhere from one year to ten years, though many lenders max out their loan terms at seven years.

While each loan is unique, most banks provide secured car loans ranging from $10,000 to $150,000. Because  your loan is secured against the vehicle, they will typically offer you a cheaper interest rate than an unsecured loan. Your personal borrowing power will vary depend upon your financial circumstances.

Arrange a Call

Fill out the following details and one of our car loan specialists will be in contact.

Questions? We can help.

Call 1300 889 669

Our car loan specialists is here to help guide you, just give us a call.

Chat to us

Feel free to chat with us if you have any questions in mind.