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Car Loans

Drive your dream car

We understand that a car is more than just a vehicle, it’s an essential part of your life. Our mission is to help you hit the road in your dream car faster and with ease. LoanHaus can help you unlock some of the most competitive and affordable car loans on the market. Explore the types of car loans we can help you with and submit your online application for a quote today.

Car Loan Rates

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Car Loan Finance Options

Whether you’re looking to lock in your car loan rate to ensure no repayment surprises or want to take advantage of a fluctuating market with a variable rate, our consultants are here to match you with your perfect car loan. Our finance experts secure customised, competitive rates for your specific situation, whether you’re an individual, business or sole trader looking to finance new or used. Read on and discover if a personal use car loan or business car loan is the right fit for your circumstances.

Car Loan Rates

With decades of expertise, LoanHaus eliminates the stress of scouring the internet for your next car loan. 

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We offer a range of personal use car loans.

Interested in owning an electric vehicle? Looking to save as much as you can on your car loan with a fixed rate? LoanHaus is here to help. Check out some of the loans our consultants can source on your behalf.

How it Works: Under a secured car loan, the financier loans funds to the customer to purchase a car. The customer takes ownership of the vehicle at the time of purchase, and the financier takes an interest in the vehicle as security for the loan.

Advantage: Easier to qualify for and typically offers lower interest rates compared to unsecured loans.

Consideration: If you default, you could lose the car.

How it Works: An unsecured car loan doesn’t require collateral. Lenders evaluate your creditworthiness primarily based on your credit history and overall profile.

Advantage: You don’t risk losing the car if you can’t repay the loan.

Consideration: Generally has higher interest rates due to the higher risk for the lender.

How it works: A green car loan is a type of car finance specifically for eco-friendly vehicles.

Advantage: Green car loans are different from standard car loans in that they generally come with a lower interest rate.

Consideration: To be eligible for our Green Car Loan, you must buy an electric or hybrid vehicle, your car must be used as security for the loan as well as, satisfy the lender’s security requirements and lending criteria.

How it Works: A fixed-rate car loan has a set interest rate for the entire loan term, ensuring consistent monthly payments.

Advantage: Predictable payments make it easier to budget.

Consideration: If interest rates drop after you secure the loan, your rate & repayment remains unchanged.

How it Works: A variable-rate car loan has an interest rate that can change over time based on market conditions, which can affect your monthly payments.

Advantage: If interest rates drop, your payments could decrease.

Consideration: If rates rise, your payments could increase, leading to uncertainty.

Sometimes, life’s twists and turns can leave a mark on your credit history, but that shouldn’t stop you from hitting the road in the car you need. At LoanHaus, we specialise in finding the best rates for poor credit car loans, ensuring you can get behind the wheel sooner than you might expect.

Whether you’ve faced financial challenges or experienced credit setbacks, we believe in second chances. Our experienced team understands your situation, and we’re here to help you secure the financing you deserve, even with a less-than-perfect credit score.

LoanHaus’s network of lenders is ready to work with you to tailor a poor credit car loan that fits your needs. We believe everyone deserves the opportunity to own a reliable vehicle, and we’re committed to making it happen.

We offer a range of business use car loans.

Whether you’re starting your own business and need some equipment to kickstart your journey or you’re a seasoned professional looking for your new company car, LoanHaus has extensive experience sourcing business use car loans for clients.

How it Works: A chattel mortgage is a type of secured loan where the business takes ownership of the equipment from the beginning. The lender provides funds, and the vehicle serves as collateral. The Business repays the loan over an agreed-upon term.

Advantage: The Business owns the equipment from the start and can claim tax benefits. You can claim the Goods and Services Tax (GST) included in the vehicle’s purchase price as an input tax credit on your Business Activity Statement (BAS). Additionally, you may also be able to deduct the interest charges on the loan and depreciation expenses up to the Depreciation Limit as tax deductions, subject to the advice of your tax professional.

Consideration: Failure to repay the loan could result in the lender repossessing the asset.

How it Works: In a CHP, the lender purchases the equipment on behalf of the business and then leases it back to the business. The business makes regular payments, typically over a fixed term, until the total cost (including interest) is covered. Once the loan is repaid, the business gains full ownership of the equipment.

Advantage: The business gains ownership of the equipment at the end of the loan term. Businesses using the Cash accounting & Accrual method of accounting can claim the GST paid on the purchase price of the asset & interest up-front when they lodge their next Business Activity Statement (BAS).

Consideration: The business is responsible for maintenance and other ownership costs from the beginning.

How it Works: In a finance lease, the lender purchases the equipment and leases it to you. You make regular lease payments over a set term, and at the end of the lease, you have to buy the equipment at a predetermined price (which is the residual value amount).

Advantage: If you prefer lower monthly payments during the lease term, the residual value brings down those instalments.

Consideration: The business doesn’t own the equipment during the lease term.

How it works: A “low doc” loan, short for “low documentation” loan, is a type of loan designed for businesses that may have difficulty providing the extensive documentation typically required for traditional loan applications.

Advantages: The primary feature of a low-doc loan is that it requires less documentation compared to standard loans. This is particularly useful for self-employed individuals, small business owners, freelancers, or those with irregular income streams who may not have all the standard income verification documents that traditional lenders usually request.

Consideration: Your credit history and the length of time you have been operating your business will be used to assess your eligibility. You may also be required to supply bank statements or a letter from your accountant to support your application. Low Doc Car Loans must be secured.


When considering which type of loan to choose, it’s important to assess your business’s financial situation, the expected usage of the equipment, your cash flow, and your long-term goals. Each type of loan has its advantages and considerations, so it’s recommended to consult with your accountant who can guide you toward the best option for your specific needs. 

In today’s dynamic business landscape, obtaining finance can be a challenge, especially if you have a less-than-perfect credit history. That’s where bad credit commercial loans come into play. These specialised financial solutions are tailored to help business owners with subpar credit scores access the capital they need to grow and thrive. With flexible terms and a focus on your business’s potential, these loans enable you to seize opportunities and rebuild your credit while achieving your entrepreneurial dreams.

The process has never been easier

Step 1. Choose Your Preferred Application Method

You have two options: Apply online using our user-friendly Quote form or call us directly. It's your choice – either way, it's quick and easy.

Step 2. Meet Your Dedicated Consultant

Once you've initiated the process, we'll assign a dedicated consultant to guide you through every step. They'll work on your behalf to find the most affordable loan options, process your application, and manage the paperwork for a smooth settlement.

Step 3. Fast Approval Process

With our streamlined approval process, you're just moments away from your financial goals. Apply now and experience a hassle-free journey toward securing the funds you need!

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Car loans in Australia come in all shapes and sizes, with each lender listing their own set of criteria. While specific requirements can vary between lenders, many may ask that you have a regular income and have a good or fair credit history. 


However, we encourage applicants of all financial backgrounds to apply for a car loan with LoanHaus, as our dedicated consultants have access to more than 30 lenders and can help you find whatever it is you’re looking for, whether it be a bad credit car loan or green car loan.

The documentation you may be asked to provide can depend on the type of loan you are applying for. However, some of the most common pieces of information our consultants may ask for include proof of identity, recent payslips and bank statements.

We ask for this information to ensure we provide a car loan that not only meets your expectations but is also within your means. 

At LoanHaus, we understand how important it is to unlock car loan financing so you can get out onto the road as soon as possible. Once you are matched with one of our experienced consultants, they’ll work on sourcing the most competitive car loan on the market for your circumstances before submitting your application, ensuring you promptly receive a decision from a lender. We’ve streamlined the application process to ensure a hassle-free borrowing experience for our clients.

Yes, in addition to standard car loans, LoanHaus offers a range of car loan financing, including used car loans. Applicants looking for a competitive used car loan can also select from a secured or unsecured loan, providing greater flexibility over their car financing options and ensuring they receive a product best aligned with their lifestyle and budget.

Absolutely! We want your car loan financing experience to be as easy and hassle-free as possible. Applicants have the option to apply online using our user-friendly quote form or by getting in touch with LoanHaus directly via 1300 611 325.

Interest rates are not a one-size-fits-all feature of car loans, as many factors can influence not only the advertised rate from a lender but also the actual rate you receive on your car loan. Some factors that can impact the interest rates of our online car loans are the loan type, whether they are secured or unsecured, the amount you are looking to borrow and for how long, as well as any fees associated with your online car loan.

Yes. Should you be approved by a lender, you will be required to pay an origination fee to LoanHaus as payment for our services. Depending on the lender who issues your loan, you may also be subject to lender fees associated with the loan application, such as an application fee, security registration fee, inspection fee or other fees related to the loan product.

Car loan repayments are typically made monthly. However, there are many lenders out there that allow borrowers to make additional repayments to their loan without penalty. If you are looking to customise your repayment schedule in order for it to align with your pay cycle or lifestyle, our team of consultants can work to match you with a lender that suits your requirements.

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The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.