Own Your New Car Today
Get behind the wheel faster with competitive car finance options. We compare 30+ lenders to find you the best rate.
Loan Amount
Approved
Competitive Rates
Best rates from 30+ lenders
Fast Approval
Same day decisions
Expert Brokers
Dedicated support team
Simple Process
Minimal paperwork
Loan Terms
1 - 7 years
Borrow up to
$100,000
39+ Five-Star Google Reviews
“Very impressed with the service we received from Nathan at Loans 123. Professional, prompt and extremely knowledgeable of his product. Thanks Nathan would not hesitate to recommend you and the business.”
“Could not have asked for a better experience. Nathan is responsive, knowledgeable, and efficient at what he does. Now the second car loan through loans123 and won't be going anywhere else next time.”
“Massive thank you to Nathan at Loans123 for making my car purchase a seamless and positive experience. Your professionalism and great customer service was greatly appreciated. Highly recommend!”
Estimate Your Repayments
Use our calculator to get an idea of your monthly payments
Estimated repayment
per month
*This calculator provides estimates only. Actual rates depend on your circumstances.
Car Finance With Professional Brokers
Car loans allow a potential buyer to pay for the vehicle they are interested in via monthly payments rather than paying for it all at once. The lender pays the seller of the vehicle the full payment, while you pay off the loan via monthly payments together with an agreed interest fee.
Loan durations typically span between 24 and 84 months. Our experienced brokers take into account all the costs associated with car ownership including insurance, licensing, registration, and fuel costs.
We offer competitive rates that are personalised to your circumstances based on factors such as your credit history, employment status, and the vehicle you're purchasing.
Free Comparison Service
We compare 30+ lenders to find you the best rate. Calculate your expenses and ensure the loan is affordable for you.
Use CalculatorFree Vehicle Services
Ask your broker about all the free services we offer including our complimentary car finder tool.
Learn MoreSpecialist Broker Team
Our dedicated team of professional brokers are here to guide you through every step of the process.
Contact Us
Free Comparison Service
We Compare Car Loans For You
When deciding whether you should get a car loan, it's important to first calculate your expenses and household income. You need to ensure the loan is easily affordable for you.
It's also important to consider additional expenses that come with a new vehicle such as running costs, insurance, maintenance and registration.
Car Buyers Guide
Get insider tips on buying a car
Car Insurance
Competitive insurance premiums
Financing Options
Personal, commercial & novated leases
Simple terms. No hidden fees.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
1-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$100,000
Max loan amount
Choose your loan amount from $5,000 to $100,000.
With no impact to your credit score
Cars, Utes & Motorbike Loans
These loans allow you to take ownership of the vehicle or motorbike from day 1. You then make monthly payments rather than paying for the purchase in full.
We handle motorcycle loans much the same as car loans - it's just the type of vehicle that's different, not the loan application and finance process.
When deciding whether you should get a vehicle loan, it's important to first calculate your expenses and household income. It's not ideal to sign for a new loan if your monthly budget doesn't match.
Also consider additional expenses such as fuel, taxes, maintenance and registration.
Personal Loan
For individual buyers
Commercial Loan
For business use
Novated Lease
Salary packaging
Your Car Loan is Ready
Apply Now
See how we've made the process of applying for a loan online easier. Use our Loan Calculator for a guide to repayments, then apply today!
With affordable payment terms and our streamlined application, getting a loan with Loans 123 is as easy as one two three.
Call us on 1800 079 147 or apply online to start discussing your loan options.
Frequently Asked Questions
You must be at least 18 years old to apply for a car loan with Loans 123.
Ready to apply?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score