Personal Car Loans
Get your personal loan faster. Don't have the cash upfront for a car? Our flexible personal loans help you drive away sooner.
Loan Amount
Pre-Approved
New or Used
Finance any car
Fixed Repayments
$438/month for 5 years
Free Car Finder
We help you search
Flexible Terms
Up to 7 years
Rate from
10.99% p.a.
Borrow up to
$50,000
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“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
See what your personal car loan could cost
Estimated repayment
per month
*This calculator provides estimates only. Actual rates depend on your circumstances.
Get Your Personal Car Loan Faster
Don't have the cash upfront to purchase your next car? A personal car loan gives you the flexibility to buy from private sellers, dealerships, or auctions.
Borrow from $4,000 to $50,000 with flexible repayment terms customised to your needs. Our unsecured personal loans don't require the car as security.
With fixed interest rates and consistent monthly repayments, you'll know exactly what you pay, making budgeting easy.
Loan Options
Unsecured Loans
Up to $30,000, no car security required
Secured Loans
From $4,000 with no maximum limit
New or Used
Finance any vehicle that suits you
Free Car Finder
Looking for a vehicle? Our free car finder service can help you locate the perfect one.
Learn MorePersonal Car Loan Features
Drive away in your new car with flexible finance
$50K
Max loan amount
Borrow from $4,000 to $50,000.
1-7 yrs
Flexible terms
Choose a term that fits your budget.
Fixed
Interest rate
Know exactly what you pay each month.
Fast
Approval
Quick decisions to get you driving.
Free
Car finder
We help you find the perfect vehicle.
With no impact to your credit score
Why Choose a Personal Car Loan?
Unlike dealer finance or secured car loans, a personal loan gives you more flexibility in where and how you buy your car.
With a personal loan, the car isn't used as security, so you can buy privately, trade, or sell without lender approval.
Our quick and easy application process means you can get approved fast and drive away in your new car sooner.
Buy Anywhere
Dealers, private, auctions
No Car Security
Unsecured options available
Ready to Drive?
Apply Today
Our experienced brokers specialise in personal car loans with competitive rates.
Easy online application with no obligation. Get a quick decision so you can hit the road.
Call us on 1800 079 147 or apply online to discuss your car financing options.
Frequently Asked Questions
A personal car loan is an unsecured loan that you can use to purchase a vehicle. Unlike a secured car loan, the car doesn't serve as collateral, giving you more flexibility in how and where you buy.
Ready to apply?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score