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Personal Car Loans

Get a personal loan for a car with Australia’s #1 Rated Finance Broker

Need a new car but don’t have the necessary savings to purchase it right away? Credit One can assist with a personal loan for a car to help you get the vehicle you want, without the wait.

We’ll have you cruising around in your new car in no time with our exceptional personal loan solutions. Also known as an unsecured car loan, a personal loan involves the lender providing the funds, but unlike a secure car loan, they won’t hold security over the loan.

Credit One’s features of a personal loan for a car

  • You can borrow $5,000 or more
  • You have the option of choosing a loan term from one to seven years.
  • The loan options include a choice of fixed and variable interest rates, and low or no early termination fees.
  • Repayments are made weekly, fortnightly, or monthly.

With more flexibility than ever before, Credit One are pleased to offer a wide range of personal car loan solutions. Too see what type of finance you’re eligible for today, get in touch with the Credit One team right away by enquiring online or calling 1300 273 348.


What are my repayments?

How much can I borrow?

At today's lowest car finance rate of 7.98%,

you will pay approximately ...

Apply Online Now

At today's lowest car finance rate of 7.98%,

you can borrow approximately ...

Apply Online Now

The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice.Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

Personal Car Loans – Your FAQs Answered

How do I apply for a personal loan for a car?

Credit One’s application process is fast and straightforward. You can send in your application for a car personal loan in five minutes by entering general information online, or by calling our team on 1300 273 348.

Why should I apply for a car personal loan with a broker instead of a bank?

Choosing a private finance broker over your bank comes with many benefits. For starters, with over 20 years of experience and partnerships, we have amassed a great deal of ongoing relationships with the best lenders in Australia. Rather than limiting yourself to one bank, one choice of loan, and one set of terms, Credit One will connect you with more than 40 different lenders who can offer more competitive rates and loan solutions.

From our decades of experience working with every type of applicant, we know how different financial situations can be. Therefore, we are dedicated to offering as much flexibility as possible to our customers. Ultimately, we want to provide enough flexibility to allow you to tailor your loan to meet the unique demands of your financial circumstances.

Thirdly, Credit One’s application process is simple. You only need a few essential documents and five minutes of your day to apply online or through our website. No visits to subsidiaries are required. And if you have questions regarding the application process or during your repayment plan, our car personal loan experts will answer any and all queries (there’s no such thing as a stupid question – believe us) and be with you every step of the way.

Choose the best finance solution that will get you out on the road in no time. But don’t just take our word for it – read the thousands of 5 star reviews happy customers have left after working with Credit One’s finance brokers.

How do repayments work with a personal loan for a car?

Repayment plans for a personal loan for a car will come down the loan, the terms of the loan, and the interest rates. Repayment schedules will generally be set up at regular weekly, fortnightly, or monthly intervals – this can be worked out during the process of setting up and securing the loan.

What is the difference between fixed and variable interest rates?

While fixed interest rates remain the same throughout the repayment schedule, variable rates can change during the loan period, depending on the current market conditions.

Fixed interest rates ensure the borrower the security of knowing how much money is going to the lender each month. This way, a monthly budget can be planned. The borrower faces more financial stability and lower overall risk.

Variable interest rates, on the other hand, often start at a lower rate, supporting borrowers with their first few payments. These variable rates allow the borrower to adjust the terms of a personal loan for a car. As the market conditions change, the rate does too. This can create the opportunity for the borrower to save money when market rates decrease.

Credit One offers multiple fixed and variable interest rate options on car personal loans: the decision will come down to your loan, what’s available for your vehicle car loan, the lender, and what you decide to go with.

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