Credit One offers Smarter Finance for businesses of all sizes, right across Australia.
You want to grow your business and we want to help you succeed, that is why we are experts in seeking finance options to suit your needs in order to help you grow.
Personal Loans are a great way to consolidate your loans and credit cards into one easy to manage payment. With rates at an all time low we could save you thousands on interest.
Maybe you are dreaming of a holiday? Funding for your dream wedding or some much overdue home renovations? We can assist with so many options and the process is quick and easy. Click any of the links to find out how.
Features of a Personal Loan
You can borrow $5,000 or more
You have the options of choosing a loan term from one to seven years
The loan options include a choice of fixed and variable interest rates, low or no early termination fees
Credit One, the specialists in Caravan, Camper Trailer, RV, Boat, Jet Ski and Yacht Finance.
Want to embark on a trip around Australia or take your children camping and sailing for the weekend? Credit One has low rate finance solutions for all types of recreational vehicles.
The Credit One Group commenced operation in Brisbane during the late 1990's.
Since it's humble beginnings, Credit One Group has over 100 brokers nationally who service both consumer and commercial client's throughout Australia and New Zealand with offices in most major cities.
Private Sale Car Loan
A private sale car loan is the perfect way to finance your dream car from a private seller. At Credit One, you'll get competitive rates, no matter where it’s listed.
A private sale car loan is designed for people who want to buy a car privately rather than from a dealership. These loans provide you with the flexibility to secure financing for a car that fits your needs, even if it’s not on a showroom floor.
At Credit One, we specialise in private sale car loans, helping you navigate the process with ease. We work with Australia’s leading lenders to connect you with competitive rates and tailored loan options, so you can focus on securing the car you want, without the stress of upfront costs.
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).
How does a private sale car loan typically work?
A private sale car loan provides financing for vehicles purchased from private sellers. Once your loan is approved, the lender typically pays the seller directly, ensuring a smooth and secure transaction for both parties.
You’ll then make regular repayments to the lender, just like a standard car loan. Our team handles all the details, from verifying the car’s ownership to helping you understand your loan terms, so you can buy with confidence. Whether it’s a family car, your first set of wheels, or something special you’ve had your eye on, we’ll make sure everything is straightforward and stress-free.
What are the benefits of choosing a private sale car loan?
A private sale car loan gives you the freedom to buy the car you want, without being tied to dealership options or financing terms. Here’s how it compares to dealership finance:
More Choice: You’re not limited to what’s on the lot—you can buy from any private seller.
Competitive Rates: With access to a wide range of lenders, we can help you secure better rates than many dealerships offer.
Transparent Process: Unlike some dealership financing that may include hidden fees, private sale loans offer clarity and straightforward terms.
Tailored Solutions: We’ll work with you to create a loan that fits your budget and preferences.
With a private sale car loan, you’re in control of your purchase. Our team takes care of the details, so you can focus on getting the keys to your new car.
Why Choose Credit One
Convenience
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.
Choice
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.
Flexibility
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 Consultants are available 7 days a week for your convenience.
Confidence
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!
Will I get the same interest rates for a private sale car loan as I would for a dealership purchase?
Private sale car loans often offer better interest rates than those available through dealership financing. At Credit One, we work with a wide network of lenders to secure competitive rates tailored to your needs, giving you the advantage of flexibility and savings that dealerships may not provide.
How does the loan approval process differ for a private sale compared to a dealership?
The main difference is that private sale loans often involve additional checks, such as verifying the seller’s ownership of the vehicle and confirming the car’s condition. At Credit One, we handle these steps for you, ensuring a smooth and secure transaction. The overall approval process is still quick and straightforward, just like with dealership financing.
Are there any additional fees when applying for a private sale car loan?
Some lenders may charge additional fees for private sale car loans, such as vehicle inspection fees or ownership verification costs. These fees are usually minimal, and we’ll ensure you’re aware of any potential charges upfront so there are no surprises.
Can I use a personal loan for a private sale, or does it have to be a car-specific loan?
You can use a personal loan to finance a private sale, but a car-specific loan often offers lower interest rates and more favourable terms. Car-specific loans, like a private sale car loan, are designed to make the process easier and may include added benefits such as faster approval and direct payment to the seller.
What happens if I want to pay off my private sale car loan early?
Most lenders allow early repayments, but there may be a small fee depending on your loan terms. Paying off your loan early can save you money on interest in the long run, and we’ll help you understand any potential costs or benefits before you make a decision.
Is the loan term flexible, or are there restrictions on how long I can borrow for a private sale?
Private sale car loans generally offer flexible terms, ranging from one to seven years. The term you choose will depend on your budget and financial goals. Shorter terms often mean higher repayments but less interest overall, while longer terms reduce monthly payments but increase the total interest paid.
Can I borrow the full purchase price for a private sale car, or is there a limit?
Yes, many lenders allow you to borrow the full purchase price of the car, provided you meet their eligibility criteria. In some cases, additional costs like transfer fees or inspections can also be included in the loan amount. We’ll help you find the right lender to cover as much of the purchase price as you need.
How do missed payments affect my private sale car loan?
Missed payments can negatively impact your credit score and may result in late fees or penalties. If you’re struggling to make payments, it’s important to contact your lender as soon as possible to discuss your options. Our team is here to help you manage your loan and avoid any long-term financial issues.
Are private sale car loans more difficult to refinance than dealership loans?
Refinancing a private sale car loan is no more difficult than refinancing a dealership loan. The process involves assessing your current loan and finding a new lender with better terms or rates. We can help you explore refinancing options if you’re looking to reduce your repayments or pay off your loan sooner.
