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Car Loans Australia
Car loans that come with the car.
We work for you, not the dealer or the bank. Compare new and used car finance from 50+ lenders and, if you need it, our car brokers will find and negotiate the car too.
- ✓Compare 50+ lenders
- ✓Know your options in under 5 minutes
- ✓Checking your options won't affect your credit score
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5.0 ★
from 1,400+ five-star reviews
50+
lenders on our panel
20+ years
finance experience
ACL 518268
Australian Credit Licence
★★★★★Verified review
I had a fantastic experience dealing with Jackson. He made the entire finance process incredibly easy and straightforward from start to finish.
Daniel Agostini
Kane was AWESOME. He guided me through every step to get my loan, and we got there in the end. Friendly and professional.
Aaron Lyttle
A massive thank you to Chad Masri for providing such a seamless experience from start to finish throughout my car buying journey.
Siluni Kumarapperuma
I was fortunate to work with Connor from eCarz. He was extremely helpful, clear communication and very very efficient.
Raigan Meadows
Had an absolutely fantastic and stress-free experience… Mick made the whole process incredibly easy and hassle-free.
Dom
We had a great experience with eCarz group! Gary was very helpful and straight up from the start.
Christine Puddephatt
David provided a very efficient and straightforward process… Highly recommend the group.
Peter Sproule
Everything went very smoothly. Happy with the price.
Thaddeus Kulig
Read all 1,400+ reviews →
Free loan health check
Already have a car loan? Is it still the best deal for you?
We’ll review your current loan for free, with no obligation. If we can find you a better option, we’ll let you know. If we can’t, we’ll tell you that too.
Get my free health check →
Types of car loans we arrange
Buying new, used, or after pre-approval before you shop? Tap any loan type to see how it works.
New and used car loansPre-approval before you shop +
Buying new or used and want pre-approval so you can negotiate with confidence? We start by working out what you can comfortably afford, then compare 50+ lenders for the best fit.
- ✓Dealer or private sale
- ✓Pre-approval available
- ✓We can find and negotiate the car
Get a quote
Low-doc car loansSelf-employed without the usual paperwork? +
If you’re self-employed and don’t have the documents your bank is asking for, we can help. Low-doc car loans make it simpler to buy your car sooner, using lenders who accept other proof of income.
- ✓Bank statements instead of full financials
- ✓ABN holders and sole traders
- ✓New and used cars
Chattel mortgageBuying a car for your business? +
Chattel mortgages can come with tax and GST benefits, which makes them a good fit when you’re buying a car for business purposes. Check the tax side with your accountant, then let us find the lender.
- ✓You own the car from day one
- ✓Possible GST and depreciation benefits
- ✓Optional balloon to lower repayments
Novated leasingPay for your car from your salary +
A novated lease lets you pay for a car through your salary with your employer’s agreement. We set up the lease, and our car brokers can source the car.
- ✓Repayments from your pre-tax salary
- ✓Running costs can be bundled in
- ✓Employer agreement needed
Read more about Novated leasing → Get a quote
Previous credit challengesWe can still assist, or plan a path forward +
Had credit challenges in the past? We can still assist, or work with you on a plan to get you finance-ready in the future. Our lenders assess each case on its merits, and we’ll be upfront about your options.
- ✓Case-by-case assessment
- ✓A plan if now isn’t the right time
LeasesUse the car, then upgrade +
A lease lets you use a car while the lender keeps the title. At the end of the term you can buy the vehicle or trade it in for a newer model.
- ✓Lower upfront cost
- ✓Option to buy at the end
- ✓Easy upgrade path
Calculate your repayments!
Use our handy finance calculator to better understand your payments for your newly financed car!
Speak to a broker
A broker can confirm the real rate and repayments for your situation, free and with no obligation.
Loan amount
Months
Interest rate
Balloon %
Your monthly repayments: $580 With a balloon payment of $0
General information only. Estimates are based on the figures you enter, exclude lender fees and aren’t a quote or financial advice. Your actual rate and repayments depend on the lender and your circumstances. Seek your own independent advice. More calculators →
Why get your car loan through eCarz?
Finance and the car, together
Most brokers stop at the loan. Our car brokers can find the vehicle and negotiate the price as well.
If we can't save you money, don't use us
We compare 50+ lenders so you're not applying bank by bank.
One broker, start to finish
Comparing options, managing the application and dealing with lenders, with updates along the way.
Trade-in sorted
Selling your current car? We can buy it or consign it and put it toward your deposit.
Car loan questions
Will getting a quote affect my credit score?+
No. Checking your options uses the details you give us. A credit check only happens when you choose to apply.
Do I need a deposit?+
Not always. No-deposit car loans are available to eligible applicants, subject to lender approval.
Can I finance a car from a private seller?+
Yes. We finance dealer and private sales, new and used.
Can you find the car for me as well?+
Yes. Our car brokers source new and used vehicles and negotiate the price for you.
I’m self-employed. Can I still get a car loan?+
Yes. Low-doc options are available, and chattel mortgages suit cars bought for business use.
Also from eCarz Motorcycle finance Caravan and RV Personal loans Car loans for doctors
Ready to talk to a car loan broker?
Two minutes online, then pick a time. Or call 1300 378 387.
Start my application
6/35 Paringa Road, Murarrie QLD 4172
Mon to Fri 9:00am to 5:30pm · Sat by appointment
1300 378 387
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PartnersAsset Finance ExchangeThe eCarz Group is a proud referral partner of Asset Finance Exchange: one platform to connect you with trusted referral partners.
Credit services provided by eCarz Finance Pty Ltd ABN 71 617 296 241, Australian Credit Licence 518268. Part of the eCarz Group.