Can I arrange finance before I choose a car?
Yes. We can discuss pre-approval so you can shop with a conditional budget. The lender confirms the chosen vehicle and final purchase details before settlement.
New car finance108 reviews 5.0
Car loans. Drive what you love.
The car you keep coming back to. Let’s make it yours. Access our panel of 80+ lenders, with a broker by your side from quote to keys.
- No credit score impact for your quote
- New, used and private-sale cars
- Expert help from quote to keys
You find the car.
We’ll find the finance.
From a family SUV to a private-sale find, we match the finance to the way you’re buying.
Buying an electric or hybrid car?
We can compare finance for those too.
Which makes, models and vehicle types can I finance?
We arrange finance for eligible passenger cars, SUVs, utes and 4WDs. Popular examples include Toyota HiLux, Corolla and RAV4; Ford Ranger and Everest; Mazda CX-5 and BT-50; Hyundai Tucson and i30; Kia Sportage; Mitsubishi Triton and Outlander; Nissan Navara and X-Trail; BMW 3 Series and X Series; and Mercedes-Benz C-Class and GLC.
These are examples, not a restricted list. Vehicle age, kilometres, condition, value and the proposed loan term help determine the lenders that fit. Dealer demonstrators, trade-ins and private purchases can also be considered.
Still shopping? Start with your budget.
Explore my car loan optionsMore lenders.
Less legwork.
We compare suitable car loans from our lender panel and handle the application with you. Get help from a broker who knows your plans, your budget and the car you want.
Compare lenders with one broker
We compare suitable options from our panel of banks and specialist lenders. You explain your plans once.
Get help with the application
Get help matching the lender to your income, credit history and vehicle, with support through to settlement.
Know your rate and repayments
See the rate, fees and repayments clearly. Your initial quote has no impact on your credit score.
Your next car.
Your kind of repayment.
Enter the amount you want to borrow, then adjust the term and rate to estimate your repayments. For a rate based on your circumstances, ask us for a quote.
Car loan repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What will my actual car loan rate be?
Your rate depends on your income, credit profile, car and loan structure. The calculator is an estimate; a personalised quote lets you compare the rate, fees and repayment together.
Best car loan ratesA better deal.
A real difference.
One customer came to us with an expensive dealership loan. Here’s what changed when we compared their options.
Car loan refinance · SydneySame car, lower interest.
Previous rate10.5 %
→Settled rate7.8 %
- Monthly account fee removed
- Future exit fee removed
- Settled in three days
Historical customer outcome, not a current rate offer. Vehicle image is illustrative.
Ready to see what your options look like?
Get my free quoteYour situation.
Let’s work with it.
Casual work, a new job or past credit problems do not automatically rule you out. Tell us about your circumstances and we’ll check which lenders may be able to help.
Can I get a car loan with bad credit?
Yes, specialist options are available for customers with past credit problems, including paid and unpaid defaults. We look at your current income, budget and the story behind your credit file to identify suitable lenders.
Explore bad credit car loansCan I apply if I work casually or have just changed jobs?
Yes. Casual employees are welcome. For a recent job change, an employment contract, current payslips and evidence of previous work can help show continuity. Your broker matches that evidence to lender requirements.
What if I am self-employed?
We compare lenders that assess self-employed income and confirm the documents relevant to your situation. Tax returns, bank statements or alternative income evidence may help. For a vehicle used predominantly in your business, explore business vehicle finance.
Business vehicle financeWhat if I have never had a loan before?
A thin credit file does not have to stop your plans. Some lenders assess your employment, income and banking conduct more heavily. We can also compare how a deposit changes the amount you borrow and your lender options.
Can you help if my car is older or my budget is tight?
We check vehicle-age policies and compare secured or unsecured options for older cars. If repayments are close to your limit, we can compare a deposit, trade-in, different term or lower purchase price against your budget.
What do lenders look at when I apply?
Lenders assess your verified income, living expenses, existing debts and credit history alongside the car and purchase details. We help reconcile the price, deposit, trade-in and any existing payout, then compare repayments with your budget.
Currently or previously bankrupt? We can help you explore car finance during or after bankruptcy.
From quote to keys.
Four clear steps.
One broker to guide your car loan from the first conversation to settlement.
- 01
Tell us your plans
Share the amount, car and timing you have in mind. Still shopping? We can start with your budget.
- 02
We find your options
Your broker matches suitable lenders and helps gather the documents for your application.
- 03
Choose your finance
We explain the rate, fees, term and any balloon. You choose the option and approve the lender submission.
- 04
Get ready for the keys
We coordinate the lender, documents and payment details through to settlement.
Start with a free car loan quote
No credit score impact for an indicative quote. A formal lender application involves a credit check with your consent.
Make the car yours.
Make the loan fit.
We’ll explain secured and unsecured options, compare repayments and help you decide whether a deposit or balloon suits your plans.
Secured car loan
The car is security for the loan. This can open up sharper rates for an eligible new or used vehicle.
- Often suits new and late-model cars
- Fixed-rate options for predictable repayments
- Vehicle age and value affect lender choice
Unsecured personal loan
The lender does not take security over the car. This can suit older vehicles or purchases outside secured-loan policies.
- More flexibility around vehicle age
- Loan assessed against your finances
- Rates are usually higher than secured options
Do I need a deposit for a car loan?
A deposit is not always required. Some lenders can finance the full eligible purchase price. A cash deposit or positive trade-in equity reduces the amount borrowed and can widen your options. We can show you both versions.
How does a balloon change my repayments?
A balloon leaves part of the principal as a final lump sum. It lowers regular repayments, but you still need to pay the final amount or arrange an eligible refinance. We compare the ongoing repayment, total interest and end-of-term balance together.
Understand balloon paymentsHow do I choose the term and repayment frequency?
Car loan terms are commonly one to seven years, depending on the lender and vehicle. A shorter term usually reduces total interest; a longer term lowers regular repayments. We can compare weekly, fortnightly or monthly payments where available and check extra-payment and early-payout conditions.
How should I compare a broker quote with dealer or bank finance?
Use the same car price, amount financed, term and balloon. Compare the interest rate, comparison rate, all fees and total amount repayable. Check early-payout terms and any conditions attached to a dealer incentive.
| Your route | What it offers | What to compare |
|---|---|---|
| X Lend broker | Personal support and suitable options from our accredited lender panel. | The selected offers, fees and terms. Our panel represents part of the market. |
| Dealer finance | Finance arranged where you buy the vehicle. | The car price separately from finance incentives, fees and balloon. |
| Direct lender | A direct application to your chosen bank or lender. | Its vehicle rules, quoted cost and alternatives available to you. |
What changes for a private sale or a refinance?
A private sale needs seller identification, vehicle ownership checks and a Personal Property Securities Register (PPSR) search. If existing finance must be cleared, we coordinate the payout. A refinance needs a current payout letter and details of the loan being replaced. A dealer invoice normally brings the seller and car details together.
PPSR checks and settlementYou choose the car. We’ll help with the numbers.
Get my free quoteUpgrade your car.
Keep cash for life.
Compare the benefits of arranging finance with the practical cost of putting your next car on hold.
With car finance
- Get the car you need.
A reliable commute, room for the family or a vehicle that fits your next chapter.
- Keep a savings buffer.
Spread the purchase cost instead of using all your cash upfront.
- Plan the repayments.
Choose a loan structure that works alongside your other commitments.
The cost of waiting.
- Unreliable transport.
Work and family plans can keep depending on a car that no longer fits.
- More time and repair bills.
Keeping an older car going can mean ongoing costs and downtime.
- A longer wait to save.
Or a smaller cash buffer if you pay the full price from savings.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
your next car loan.
Your car loan questions.
Answered.
Find answers about rates, eligibility, deposits and buying a car with finance.
Are you a lender or a broker?
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and place your car loan with the one offering the best fit and rate for your situation.
Can I get finance for a private or Facebook Marketplace sale?
Yes. Plenty of our lenders fund both private sales and dealership purchases. We handle the extra checks, confirm the seller and check the car's existing finance position so the deal can settle smoothly.
Will getting a quote hurt my credit score?
No. An indicative quote from us doesn't touch your credit file. A formal application involves a credit check, but we only lodge with a lender once you're happy to go ahead.
How fast can I get approved?
Many car loans get a same day decision, and once approved, funds can settle within 24 hours, often fast enough to buy the same week you start looking.
Can I finance a used car with high kilometres?
Usually, yes. Lenders apply different limits for vehicle age and kilometres. We compare the car across the panel and match it with a lender whose policy accommodates those details.
Can I refinance my existing car loan?
Yes, and it's often worth a look, especially if you took dealer finance in a hurry or your credit has improved since. We request a payout figure from your current lender, compare it against our panel, and only move you across if the numbers genuinely stack up.
Should I choose a secured or unsecured loan for an older car?
A secured loan typically carries the sharper rate, but many lenders cap the car's age at the end of the term, which can rule out older vehicles. An unsecured personal loan sidesteps the age question entirely at a usually higher rate. We price both and show you which works out cheaper for your car.
How does a balloon payment work on a car loan?
A balloon sets aside a lump sum until the end of the loan, which lowers scheduled repayments during the term. At the end you can pay it out, refinance it or sell the car to cover it. We model the balloon and zero-balloon versions so you can see which structure suits your budget.
Can I make extra repayments or pay my car loan out early?
Many lenders allow extra repayments and early payout, but the rules and any costs vary between them. If flexibility matters to you, tell us upfront, it becomes one of the filters we use when choosing which lender to place you with.
What brands, models or purposes can car loans cover?
Common examples include Toyota HiLux, Corolla and RAV4, Ford Ranger and Everest, Mazda CX-5 and BT-50, Hyundai Tucson and i30, Kia Sportage, Mitsubishi Triton and Outlander. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support car loans?
A lender may ask for payslips, employment contract, bank statements, vehicle invoice, VIN and registration, trade-in details. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex car loans application?
For car loans, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026