Car loans
Car loans for new and used vehicles
Buying a new or used car from a dealer or private seller, or a vehicle for your business? We compare consumer car loans, chattel mortgages and novated leases, looking at the comparison rate, fees and balloon options, not just the headline rate.
Is this you?
- New and used cars from dealers or private sellers
- Business vehicles through a chattel mortgage
- Novated leases through your employer
- Refinancing an existing car loan to a lower rate
What you should know
General information current as at October 2026. Lender policies change; we confirm them for your situation.
Our process
Set your budget
We look at your budget and how you will use the car.
Compare lenders
We compare rates, fees, balloon options and approval speed.
Get pre-approved
Shop with confidence, knowing exactly what you can spend.
Settle with the seller
We coordinate payment with the dealer or private seller.
Frequently asked
Can I get a car loan for a private sale?
Yes. Many lenders fund private sales, with checks on the car’s history and ownership.
Should I take a balloon payment?
It lowers repayments but leaves a lump sum to pay or refinance at the end. We show you both options.
Is a novated lease better than a car loan?
It can be for employees, because repayments come from pre-tax salary. It depends on your income and the car, so we compare both.
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