best car loans

Real Lenders, Real Rates. Delivered to you in minutes

Let us find you the best car loan

  • Best car finance rates in Australia
  • No impact on your credit score
  • Paperless car finance application

*T&C apply. Students and visitor visas not eligible

Customer Success Stories

We are proud to help Australians find the best car loan option  

We Make Car Loans Easy

We find you the best car loan for your credit profile

40+ Lenders

With one of the largest lending panels in Australia, it is easy to offer you the best car loans. 

Paperless Application

Online car loan application; easily upload and sign documents directly from your phone or computer. 

Great Low Rates 

Our massive lending panel allows us to find you the best car loan rates.

Soft Credit Touch

We care about you, so we make sure we don't impact your credit score.

Fast Approval

With our fintech platform, we match you with a lender and pre-approve your car loan in minutes. 

Personalised Service

Our team of more than 150 asset finance brokers work with you until your car loan is settled. 

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How it works

Need easy car finance? Follow our 4 steps process to apply online and get an answer in minutes. 



3 Minutes
It takes only two minutes to make an online car loan application. No lengthy questions. Apply now.


2 Minutes
With our online car loan application, easily upload documents directly from your phone or computer.

Get your
personalised rate

1 Minute

Our automated finance software ZINK, matches you with a lender and get you the best car loan interest rate for your circumstances.



Same day

Get approved and drive away!



More About 1800Approved Car Loans

Your car finance questions answered

Does applying for a car loan with 1800Approved affect my credit rating? 

No. Unlike a bank, we do not leave an impression on your file as part of our assessment. When you submit an application with 1800Approved, the information in the form is retrieved to analyze loan options available for your specific circumstances without affecting your credit score (soft credit touch). This means it will not show on your credit file as a “declined” if your application is unsuccessful. Your credit score only gets affected if when, after discussing loan options with your broker, you decide to go ahead and an application is submitted to a lender.

Do I need comprehensive insurance on my car?

Yes, we require comprehensive insurance on your car. Our team of asset finance brokers can help you arrange comprehensive insurance and add this to your loan package if you wish. 

Can I get approved for car finance if I don't have a deposit?

Yes, you can be approved if you don't have a deposit. At 1800Approved we offer no deposit car finance, which means 100% of the purchase price is included in the car loan package. This means if you don't have the funds upfront to buy the car of your dreams, you still have a chance of getting your car loan approved depending on your specific circumstances.

Can I get approved for a car loan if I have poor credit?

Yes, you can get approved for a poor credit car loan. At 1800Approved we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you.

Types of Car Loans

The best car loan for you will depend on how you're employed. We offer commercial car loans and consumer car loans

Consumer Car Loan

A consumer car loan is a standard vehicle finance option for consumers, available with no deposit and usually up to 7 years term.


Car Loan Options

  • Secured Loan: Consumer Car Loans are always secured, which means the car serves as a security for the loan and the lender can repossess and sell it in case you don't make your repayments. Interest rates are usually lower if the loan is secured.

  • Unsecured Loan: This is a personal loan which means you can borrow money for the purpose you choose. As it is riskier for lenders because no security item is provided by the borrower, it generally comes with a higher interest rate than secured loans. Interest rates are higher if a loan is unsecured.

Commercial Car Loan

A commercial car loan is only available for ABN holders to finance a vehicle that will be used at least 50% of the time for business. As it has Low Doc options, it is more flexible than a consumer loan. It is available with no deposit and usually up to 7 years term.

Low Doc Options

  • Chattel Mortgage: It is a standard commercial car loan. Generally, Chattel Mortgage loans are over five to seven-year terms, and you have access to a balloon payment, which means you pay a portion of the loan at the very end in a lump sum. You also have the option to pay the loan early, however, this can include extra fees from your lender. 

  • Novated Lease: It is a deal between you, your employer, and the lender. The amount of the loan is deducted from your payments which means you pay for it with your pre-tax earnings. You can include a balloon payment at the end, and you get ownership only when the loan term finishes and the residual is also paid.
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Frequently Asked Questions

About 1800Approved Car Finance 

Applying for a loan

Getting my loan approved

Paying my loan

Trusted by the best in the car industry
werribee motor group
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Ready for your next dream car?
Get the best car finance deals today!

1800 277 768


Representative example: Based on a $30,000 loan with an 84-month term for a borrower with excellent credit history at a comparison rate of 4.99% p.a. the estimated total amount payable per month is $444. Interest rates range from 4.99% p.a. (comparison rate 6.97% p.a.) to 12.37% p.a. (comparison rate 20.30% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans Finance Group credit criteria and terms and conditions apply. 

Ausloans Finance Head Office: 1/33 Ereton Drive Arundel QLD