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A personal car loan gives you the freedom to buy the car you want, whether it’s brand new or second-hand. With flexible repayment options and competitive rates, our loans are tailored to your circumstances. Choose from secured loans, where the car acts as collateral, or unsecured loans that don’t require security. Whatever your preference, we’re here to make sure your car-buying journey is as smooth as possible.
What are my repayments?
How much can I borrow?
At today's lowest car finance rate of 5.90%,
you will pay approximately ...
At today's lowest car finance rate of 5.90%,
you can borrow approximately ...
The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our .
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).
A personal car loan gives you the funds to purchase a car, with repayments made in manageable instalments over an agreed term. For secured loans, the car serves as collateral, often resulting in lower interest rates. With unsecured loans, there’s no need for collateral, offering added flexibility.
Once your loan is approved, you’ll receive the funds to buy the car, and you’ll start making regular repayments. Our team will guide you through every step, so you can focus on choosing the right car.
Choosing a personal car loan with us offers both peace of mind and convenience. Here are some of the benefits of our personal car loans:
With Credit One, you’re not just getting a loan—you’re getting a partner to help you every step of the way.
We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.
We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.
We have established relationships with over 40 of Australia's most trusted lenders, including major banks and lenders not available directly to the general public.
We have established relationships with over 40 of Australia's most trusted lenders.
Our premium finance solutions incorporate low establishment fees, no ongoing fees, bank-beating interest rates. We can tailor a finance package to suit your needs.
Our finance solutions incorporate low establishment fees, no ongoing fees, bank-beating rates.
Credit One offers 60 Seconds Online Finance Quotes as well as same day approvals using our simple, obligation-free Online Finance Applications.
Credit One offers 60 Seconds Online Finance Quotes and same day approvals.
Our Finance Consultants are available 7 days a week for your convenience, give us a call today on 1300 CREDIT (1300 273 348) or request a call back.
Our Finance Consultants are available 7 days a week for your convenience.
We provide independent and unbiased service to get the best finance solution for you, that's why Credit One have been named "Broker of the Year" 3 years in a row.
We provide independent and unbiased service to get the best finance solution for you with a 25 year history of providing great low rate finance packages. You're in good hands!
Applying for a personal loan through a broker like us gives you access to far more options than going directly to a bank. With over 20 years of experience and partnerships with more than 40 lenders, we’re able to connect you with competitive rates and flexible loan solutions tailored to your needs.
Banks typically offer limited products, but as brokers, we can compare multiple lenders to find the right match for your unique financial situation. Our process is simple—just a few essential documents and a quick application online or by phone. Plus, our team is here to answer your questions at every stage, ensuring you feel supported from start to finish.
With thousands of 5-star reviews from satisfied customers, you can trust us to find the best loan for you, so you can drive away happy.
Not necessarily. Personal car loans can often have competitive rates, especially if you’re working with a broker like us. Dealership financing may seem convenient, but it often comes with higher interest rates or hidden fees. A personal car loan gives you more control and transparency over the terms.
Taking out a personal loan can affect your credit score positively or negatively, depending on how you manage it. Making repayments on time will improve your credit score, while missed or late payments can harm it. It’s important to choose a loan that fits your budget, and we’re here to help you find the right one.
Personal loans often offer more flexibility, with options for secured or unsecured loans, fixed or variable interest rates, and terms tailored to your financial situation. This flexibility makes them a great option for people who need a loan that can adapt to their needs.
Some personal car loans may include early repayment fees, but this depends on the lender. Our team will help you understand any potential penalties upfront, so you can make the best decision for your circumstances.
Yes, a personal loan can be a great option for buying a used car or purchasing from a private seller. It gives you the freedom to buy the car you want, without being tied to dealership financing. Plus, we can help you secure a loan with competitive rates tailored to your budget.
Repayments for a personal loan are typically made at regular intervals—weekly, fortnightly, or monthly—depending on your preferences and loan terms. Each repayment includes a portion of the loan principal and interest. During the application process, we’ll work with you to set up a schedule that fits your budget, ensuring your repayments are manageable and predictable.
A fixed interest rate stays the same throughout your loan term, giving you stability and making it easier to budget. You’ll know exactly how much you’re paying each month, which provides peace of mind and reduces financial risk.
A variable interest rate, on the other hand, can change depending on market conditions. While variable rates often start lower, they may increase over time, potentially raising your repayments. However, if market rates drop, you could save money.
At Credit One, we offer a range of fixed and variable rate options. Our team will help you weigh up the pros and cons to choose the best fit for your needs and financial goals.
A secured personal loan requires collateral, such as the car you’re purchasing, which can result in lower interest rates. An unsecured personal loan doesn’t require collateral, offering more flexibility but typically at higher interest rates. Both options have their advantages, and we’ll help you choose the best fit for your needs.
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