Car Finance Melbourne
Rates from 5.59%

Today’s Lowest Rates From 5.59%
Fixed – 6.14% Comp Rate*

Rates current 17-11-2023. National Loans is a Licensed Finance Broker here to assit when you apply for Melbourne car finance online. Finance your new car in Melbourne, get pre-approval today.

1. Apply Now

Your finance specialist will take the information we need and search the market for the best finance package.

2. Choose Your Car

Already found a car? That’s great, just send us the details. If not, we can help source your new or used car from our network of contacts.

3. Sign And Collect

Once you’ve checked and signed the documents, we’ll settle the loan so you can collect your car. It’s that simple!

Looking for Melbourne-based car finance?

The sprawling city of Melbourne is our nation’s “most liveable city,” and a beautiful, enriching place to live

It’s easy to catch the tram, of course – but if you want to experience Melbourne life to the fullest, you’re going to need a vehicle!

If you’re looking for the best car finance deals in Melbourne, look no further. We’ve got a range of options to suit your needs and budget, whether you’re after a classic car to show off downtown, or a business car to start a new company

We understand that everyone’s financial situation is different, so we work with a range of lenders to get you the best deal possible. The process of applying to finance a car in Melbourne can be daunting, but don’t fret – we’ve made it as easy as possible for youApply Now

How to find the best car loan deals in Melbourne

There are so many options out there for car financing in Melbourne that it’s hard to know where to look first. We’re here to help.

Here are our top tips for finding the best car loan rates in Melbourne:

Compare interest rates from a range of lenders
Consider both new and used cars for finance in Melbourne
Get pre-approved before you start shopping
Read the fine print!
If you follow these steps, you’ll be sure to find a great deal on your next car loan.

Apply Now

Comparing Melbourne car finance

Secured or unsecured? Personal or car? Car loan broker, dealership, bank? With so many options available, it can be tough to know which one is right for you.Apply Now

How quickly can I get a car loan in Melbourne?

Have tickets to the next test and need to get down to the MCG? Not to worry. With National Loans, you can be approved for car financing in under an hour. We understand that sometimes you need to act fast, so we’ve made our application process quick and easy
Apply Now

Apply online for a Melbourne car loan

Just a few clicks and you can be well on your way to driving a new car in Melbourne. Our online application only takes a few minutes to complete, and you’ll get a near-instant decision.

If you have a car in mind, we can help you get pre-approved so that you know exactly how much you can afford to spend. Otherwise, our strong relationships with dealers all over the city allow us to find the lowest car loan interest rates in Melbourne.

Bad credit? Car loans in Melbourne are still available, it just might take a little more work to build a payment program that works for both parties.

So, what are you waiting for? Apply now to get behind the wheel of your dream car!

Apply Now

Melbourne car loan calculator

Are you a tradie with a variable income, and not sure how much you can afford? The loan calculator for Melbourne can provide you with an accurate estimate with just a handful of clicks. Simply enter your desired loan amount, interest rate and repayment period to see what your monthly repayments would be.

Now you’ll know if you can afford those reservations at Vue de monde, or will have to save a few bucks by eating somewhere else.

Apply Now

Car Finance Melbourne Calculator

Calculate your loan repayments

Loan Amount $

Loan Term Years

Interest p.a. %

Repayment Frequency

Loan Repay Type

Balloon Payment

Balloon Payment Test

Balloon percentage

Estimated repayment

$109

/Weekly

Balloon payment

$14000

What’s next? Request a call to confirm your quote.

Apply Now Request a Call

Disclaimer: The calculator is provided only as a general self-help planning tool. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.

First Name*
Last Name
Credit Status*
Amount Required*
Mobile No.*
Email*

Privacy Consent ( PLEASE CLICK TO READ ) Quote Form ( PLEASE CLICK TO READ )

The calculator is provided only as a general self-help planning tool. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.

Melbourne car finance brokers vs
Melbourne car dealership finance

The biggest question will be whether to pursue financing through a broker or a dealership, and there are pros and cons to each.

Broker pros:

More choice lets you shop around for the best deal
Less paperwork since everything is done for you
Can be cheaper with no commission or fees

Dealership pros:

Everything from test-driving to financing is done in one place 
You May be able to get a better rate if you're buying a new car
Can negotiate the price of the car and the loan together

Broker cons:

May not have as much negotiating power
You may not get the full range of products from a single lender

Broker cons:

You're limited to the products of a single lender
Can be more expensive as commission and fees may be charged

Apply Now Quick Quote Loan Calculator

What our customers say 800+ Reviews

bryan coleman

06:57 16 Nov 23

Julie Campbell

23:27 15 Nov 23

Recently secured finance using one of this brokers lenders and cannot recommend them enough!! Our brokerage agent Bailey went above and beyond to assist us in our first vehicle purchase. Excellent communication, consistent follow up, honest and never had any issues answering all of our enquiries including taking time to ensure he was giving us the correct information throughout the process! Bailey made the experience very simple and pleasurable. Thank you for going out of your way to make this experience a great one!! 🙂YEARLY UPDATE! Needed finance on our new car a year after getting our last one and once again we went through Bailey as our broker and he worked so hard on securing finance for us a second time! Plus he wasn’t feeling well at the same time so huge thanks to Bailey!

Kris Maree

03:41 15 Nov 23

Great and easy to deal with and very responsive to all questions

Dragan Jovanovski

19:39 13 Nov 23

Luke was fantastic and very helpful. Everything went well and would highly recommend. Thanks again Luke

Keith Tullipan

00:10 13 Nov 23

really good help from wayne 👍🏼

nickmatties

05:57 12 Nov 23

Awesome service. Joe kept me updated every step of the way. Secured my car is a week and I couldn’t be happier. Highly recommend

Twyla Papanikolaou

02:37 12 Nov 23

Brodie odermatt has been a huge help. Effective and efficient, he has been the best with his services, 10/10

chaye morel

03:21 11 Nov 23

Right from the outset Shannen went above and beyond to help us with our loan and getting things sorted. The communication was great to and answered all the questions I had. Thank you for all your help.

Simon Jones

02:48 10 Nov 23

Shannon has been amazing would highly recommend to anybody great service and very fast and efficient

Lea Moffatt

04:40 09 Nov 23

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Ready to get started?

Apply for a Car Finance Melbourne

loan in less than 5 minutes.

Avoid dealer arranged finance

Are you considering dealer arranged finance for your next car purchase? While it may seem like a convenient option, it’s important to understand the potential drawbacks. In many cases, dealerships will offer financing with high interest rates and hidden fees, resulting in you paying much more than you need to. By doing your research and exploring other financing options, such as those offered by National Loans, you can avoid falling into this trap and save money in the long run. Read on to learn more about why you should avoid dealer arranged finance.

Used car prices Australia

If you’re in the market for a used car in Australia, it’s important to understand the current trends and prices. At National Loans, we’ve analyzed the data and can provide valuable insights to help you make an informed decision. Our experts have found that while prices have increased in some areas, there are still great deals to be found. With our help, you can secure financing and drive away with a quality used car that fits your budget. Read on to learn more about used car prices in Australia and how National Loans can help you find your dream car.

The average car finance interest rate

Car & Ute FinanceInstant Quote Apply Now GET A FREE ONLINE QUOTE THE AVERAGE CAR FINANCE INTEREST RATE Interest rates have been in the news …

Have questions about car finance in Melbourne?

Our team are experts in everything relating to car finance, and we’re more than happy to chat with you about your options. Book a call today, or check out some of the most commonly asked questions below.

Can I get a car loan in Melbourne with Centrelink?

Yes! We understand that not everyone has a traditional 9-5 job, and we don’t think that should hold you back from getting behind the wheel. We have a range of lenders who are willing to work with people on Centrelink, so give us a call or fill out an application form and we’ll see what we can do for you.

Can I get a Melbourne car loan on disability benefit?

Of course! We don’t believe your financial situation should dictate whether you can get car financing. Even if you are on a fixed or low income, we may still be able to help you with a specialised program. Give us a call or fill out an application form and we’ll work together to find a solution.

Is Melbourne car dealership finance a better option?

It’s tough to say, as this depends on your circumstances. However, we can say that we work with a range of lenders, meaning we can tailor a loan to suit your needs. We also have a team of experts who are more than happy to chat with you about your options and help you make the best decision for your situation.

Is used car finance for Melbourne only?

Nope. National Loans offers services to all of Australia. So, no matter where you are, we can help you get the best car finance deal possible. If you’re ready to start shopping for your new set of wheels, fill out an application form or give us a call today!

Open until
9PM AEST

Need help? Speak to one of our experts.

Call Now

Car Finance Melbourne
Rates from 5.59%

Get Your Free Online Quote

Today’s Lowest Rates From 5.59%
Fixed – 6.14% Comp Rate*