--- title: Best Car Loans | No deposit low rates car finance description: Apply for a new car and used car loans at great rates online on 1800Approved at an easy EMI option. 1800Approved provides the best car loans rates in Australia. Apply Now! --- [![1800approved-logo](https://www.1800approved.com.au/hs-fs/hubfs/1800Approved-Aug15-Images/1800approved-logo.png?width=250&height=74&name=1800approved-logo.png "1800approved-logo")](https://www.1800approved.com.au) [![1800approved-logo](https://www.1800approved.com.au/hs-fs/hubfs/1800Approved-Aug15-Images/1800approved-logo.png?width=250&height=74&name=1800approved-logo.png "1800approved-logo")](https://www.1800approved.com.au) ![best car loans](https://www.1800approved.com.au/hs-fs/hubfs/B2C%20landing%20pages/Family%20-%20SUVs/Website%20covers%20(25).png?width=2000&name=Website%20covers%20(25).png "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 [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=72023461655) *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.  [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=72023461655) ![Website covers (26)](https://www.1800approved.com.au/hs-fs/hubfs/B2C%20landing%20pages/Family%20-%20SUVs/Website%20covers%20(26).png?width=2000&name=Website%20covers%20(26).png "Website covers (26)") ## How it works Need easy car finance? Follow our 4 steps process to apply online and get an answer in minutes.  ***1*** #### Apply online 3 Minutes 25% It takes only two minutes to make an online car loan application. No lengthy questions. [Apply now](https://consumer.zink.com.au/v1). ***2*** #### Upload documents  2 Minutes 50% With our online car loan application, easily upload documents directly from your phone or computer. ***3*** #### Get your personalised rate 1 Minute 75% Our automated finance software ZINK, matches you with a lender and get you the best car loan interest rate for your circumstances. ***4*** #### Get  approved Same day 100% Get approved and drive away! [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=72023461655) ## **40+ LENDERS** ## **40+ LENDERS** ![Lenders collage mobile (1)](https://www.1800approved.com.au/hubfs/1800_website_2019/images/lenders/Lenders%20collage%20mobile%20%20(1).jpg "Lenders collage mobile (1)") ![1](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/1.png "1") ![2](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/2.png "2") ![4](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/4.png "4") ![6](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/6.png "6") ![3](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/3.png "3") ![5](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/5.png "5") ![liberty](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/liberty.jpg "liberty") ![plenti](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/plenti.jpg "plenti") ![afs](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/afs.jpg "afs") ![wisr](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/wisr.jpg "wisr") ![pepper](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/pepper.jpg "pepper") ![prospa](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/prospa.jpg "prospa") ![ammf](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/ammf.jpg "ammf") ![one](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/one.jpg "one") ![now](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/now.jpg "now") ![moula](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/moula.jpg "moula") ![latitude](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/latitude.jpg "latitude") ![firstmac](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/firstmac.jpg "firstmac") ![angle](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/angle.jpg "angle") ![APF](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/APF.jpg "APF") ![azora](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/azora.jpg "azora") ![money-3](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/money-3.jpg "money-3") ![afforable](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/afforable.jpg "afforable") ![autopay](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/autopay.jpg "autopay") ![society-one](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/society-one.jpg "society-one") ![money-place](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/money-place.jpg "money-place") ![metro](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/metro.jpg "metro") ![u](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/u.jpg "u") ![carstart](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/carstart.jpg "carstart") ![morris](https://www.1800approved.com.au/hubfs/Easter%20Campaign%202022/lender%20logos/morris.jpg "morris") ## 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. [** GET YOUR PERSONALISED RATE ](https://consumer.zink.com.au/v1?page_id=72023461655) ## 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. ![Website covers (27)](https://www.1800approved.com.au/hs-fs/hubfs/B2C%20landing%20pages/First%20car/Website%20covers%20(27).png?width=2000&name=Website%20covers%20(27).png "Website covers (27)") ## Frequently Asked Questions ### About 1800Approved Car Finance  ** ** What is 1800Approved? We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.  ** ** What is the difference between applying for a loan with 1800Approved or a bank? We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we **compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. **Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. Additionally, we can find Australiawide the right vehicle for you through our vehicle solutions partner Drive.  ** ** What is your best car loan rate? Our best car loan rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities.  ** ** Do I need to purchase the car from 1800Approved? Not necessarily. If you wish, you can source your own car. But if you wish, we offer a holistic solution; from sourcing a vehicle to new and used car finance at the most competitive rates and specs, through our vehicle solutions partner Drive.  ### Applying for a loan ** ** Do I qualify for finance? To qualify for finance you need to: - Be over 18 years old. - Be an Australian citizen or permanent resident* - Be currently employed** - Earn at least $400 per week (after tax) - Not be in an undischarged bankruptcy or part 9 debt agreement.  *We may be able to help if you have a visa with more than 2 years remaining. **Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment. *** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.   ** ** What documents do I need to apply? Making an application is quick and easy. You just need to have the following documents ready to give to your broker: - Current Australian Residency Identification  - Two recent payslips - One current bank statement  ** ** Can I get a loan if I am bankrupt? Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution.  ** ** Can I still get a car loan if I am self-employed? Yes, you can. If you are self-employed, you can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties. ** ** Can I finance a used car? Yes, you can get approved for a used car loan with 1800Approved. Used car loans are a type of personal loan that enables you to finance a second-hand car that's typically over a certain age. To learn more about used car finance speak to your Ausloans assigned broker.  ### Getting my loan approved ** ** How long does the process take from application to approval? The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc. Our online application takes 2 minutes to fill out, once completed our call centre calls you within the next 24 hours to pre-approve you and transfer you to an assigned broker. Once the documents are gathered and the broker submits the application to the lender, approval can take from 2 hours. ** ** Can I get approved if I have bad credit? Yes, you can get approved for a bad 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. To help bad credit car finance applicants or Centrelink car loan applicants, we created 1800Approved; an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.  ** ** Is my credit score affected if I am declined? At 1800Approved, unlike a bank, we do not leave an impression on your file as part of our assessment so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance. ### Paying my loan ** ** Do late payments affect my Credit Score? The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score. ** ** Can I pay out my loan early? Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.   ** ** What is a balloon payment? A balloon payment allows you to reduce your repayments during the car loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. Balloon payments are available for cars that are up to five years of age. We will contact you within the last six months of your loan term to discuss your payment options. Your payment options could include refinancing the balloon amount in a new car loan. Alternatively, you could pay this balloon payment from your own funds.  # Trusted by the best in the car industry [![carsales.com.au](https://www.1800approved.com.au/hubfs/Imported%20images/carsales.svg "carsales.com.au")](https://www.carsales.com.au/) [![werribee motor group](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20Website%20(Chris%202020)/Ausloans%20car%20loan%20aggregator/werribee%20motor%20group.png?width=253&name=werribee%20motor%20group.png "werribee motor group")](https://www.werribeeautomotivegroup.com.au/) [![CrashClaim](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/CrashClaim.png?width=320&name=CrashClaim.png "CrashClaim")](http://crashclaim.com.au/) [![159111_davisonmotors-logo](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/159111_davisonmotors-logo.png?width=699&name=159111_davisonmotors-logo.png "159111_davisonmotors-logo")](https://www.davisonmotors.com.au/) [![download (1)](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/download%20(1).jpeg?width=472&name=download%20(1).jpeg "download (1)")](https://www.philgilbert.com.au/) [![Victory](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/Victory.png?width=320&name=Victory.png "Victory")](https://victoryford.com.au/) [![servco](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/servco.png?width=504&name=servco.png "servco")](https://www.servco.com/) ![160180_villagemotors-logo-jun20-sv](https://www.1800approved.com.au/hs-fs/hubfs/Ausloans%20partners/160180_villagemotors-logo-jun20-sv.png?width=300&name=160180_villagemotors-logo-jun20-sv.png "160180_villagemotors-logo-jun20-sv") ![background-gradient-03](https://www.1800approved.com.au/hs-fs/hubfs/background-gradient-03.png?width=2000&name=background-gradient-03.png "background-gradient-03") #### Ready for your next dream car? Get the best car finance deals today!  [![1800 277 768](https://no-cache.hubspot.com/cta/default/695602/03fb90b2-5e2f-446e-aba8-c265932ca9bf.png)](https://cta-redirect.hubspot.com/cta/redirect/695602/03fb90b2-5e2f-446e-aba8-c265932ca9bf) [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=72023461655) ### Disclaimer 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 ![1800approved-logo](https://www.1800approved.com.au/hs-fs/hubfs/1800Approved-Aug15-Images/1800approved-logo.png?width=250&height=74&name=1800approved-logo.png "1800approved-logo") 1800Approved is an Ausloans Finance Group company, which is a member of the Finance Brokers Association of Australia (FBAA), Credit Ombudsman Services Limited (COSL) and the Franchise Council of Australia (FCA). Ausloans Finance Group entered the market in 2009 and has grown to 3 brands within the group to offer consumers, brokers, dealerships and other businesses a holistic approach to financing.    ### Contact Us  - 1/33 Ereton Drive, Arundel QLD 4214 - [1800 277 768](tel:%201800%20277%20768) - [sales@ausloans.com.au](mailto:sales@ausloans.com.au) - [www.ausloans.com.au](https://www.ausloans.com.au/?hsLang=en) [ 1800 277 768](tel:%201800%20277%20768) [** APPLY NOW ](https://consumer.zink.com.au/v1?page_id=72023461655) [Privacy Policy](https://www.ausloans.com.au/privacy-policy?hsLang=en) | 2008-2020 © Ausloans Pty Ltd Australian Credit License # 383 999 ![](https://www.facebook.com/tr?id=2099318183729557&ev=PageView&noscript=1) ![](https://www.facebook.com/tr?id=759887617369365&ev=PageView&noscript=1) ![](https://www.facebook.com/tr?id=122106498438777&ev=PageView&noscript=1) ![](https://bat.bing.com/action/0?ti=5128956&Ver=2) [![ClickCease](https://monitor.clickcease.com/stats/stats.aspx)](https://www.clickcease.com) ```json { "@context" : "http://schema.org", "@type" : "Organization", "name" : "Ausloans Finance Bathurst", "sameAs" : [ "https://www.facebook.com/ausloansbathurst", "https://www.instagram.com/ausloansbathurst/", "https://www.linkedin.com/company/3633423", "https://www.youtube.com/channel/UCjnsiZTKTafT3gGM4TKMjOQ" ], "url" : "https://www.ausloans.com.au/bathurst" } ```