Personal Car Loan
Rates from 5.59%

    Get Your Free Online Quote

    * This will not affect your credit score

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

    Rates current 20-06-2024. National Loans is a Licensed Finance Broker here to assit you when you apply for a personal car loan online. Get personal car finance today with National Loans.

    Personal Car Loan

    We make both purchasing and financing a car simple. Our finance experts will secure you a low rate from our panel of over 50 lenders, providing you the finance you need for your car purchases.

    3 Simple Steps

    Group 460

    1. Apply Now

    Your finance specialist will take the information we need and search the market for the best finance package.
    Image 4 1

    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.
    Group 461

    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!
    mazda 3 car

    Car Loans vs Personal Loans

    magnifying glass img 1

    Buying a car with a personal loan

    man driving car
    girl driving car

    How does a personal car loan work?

    It’s easy! Just apply online in minutes and get a decision in as little as one hour. Once you’re approved, we’ll transfer the funds to your account, and you can use the money to buy your new car.


    With a personal loan, you’ll have a set repayment period (usually between one and seven years) and a fixed interest rate, so you’ll know exactly how much you need to repay each month. This makes budgeting easy and gives you peace of mind that you won’t be hit with any unexpected costs.


    Best of all, with a personal loan, you won’t need to put your car up as collateral, so you can keep driving it while you repay.
    Apply Now

    magnifying glass img 1

    Features of a personal loan for cars

    Fixed interest rate: This means your repayments will stay the same for the life of the loan, making it easier to budget.


    Fixed term: Personal loans usually have terms of one to seven years, so you’ll know exactly how long you have to pay off the loan.


    Flexible repayments: You can choose to make weekly, fortnightly or monthly repayments, and even put extra money towards your loan to pay it off sooner.


    No early repayment fees: You can make extra repayments or pay off your loan early without being charged any penalties.
    Apply Now

    range rover
    car test drive

    When to use a personal loan to buy a car?

    magnifying glass img 1

    Using our personal car loan calculator

    mitsubishi car
    couple car

    Where to get personal car loans in Australia

    magnifying glass img 1

    Benefits of using National Loans

    Benefits of using National Loans
    Lightning-fast approval: We know that when you’re looking for a personal loan, you want it fast. That’s why we offer some of the quickest approvals in the industry.


    Market-leading interest rates: We have strong relationships with many major banks and lenders, so we can get you a great rate on your personal loan.


    No hidden fees or charges: The price you see is the price you pay. We don’t charge any hidden fees or add on any extra charges.


    Flexible repayment options: We offer flexible repayment options to suit your lifestyle and budget.


    Friendly and helpful staff: Our team of loan consultants are ready to help you through the entire process, from start to finish.


    If you’re looking for personal car loans in Australia, look no further than National Loans. Apply now for a fast and easy approval process!
    Apply Now

    sea view with car

    Personal Car Loan Calculator

    Calculate your loan repayments
    Loan Amount $
    Loan Term Years
    Interest p.a. %
    Repayment Frequency
    Loan Repay Type
    Balloon Payment
    Balloon Payment

    Estimated repayment
    Balloon payment

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

    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*

    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.

    Why Choose National Loans?

    Group 535
    1700+ Five Star Google Reviews

    With thousands of loans delivered per year National Loans is Australia’s most trusted provider

    Path 248
    We Work For You

    We work for you, not the lenders, to get you the lowest rate and lowest repayment

    Path 250
    Protect Your Credit Score

    Protect your credit score by matching with the best lender the first time

    Group 329
    Fast Approval

    Apply in less than 5 minutes and get your loan pre-approved in as little as 1 hour

    Path 254
    Access Lower Rates

    25 years of industry experience sees us being able to access the lowest rates possible for each customer

    Path 256 1
    Free Car Finder Service

    Get access to new vehicles at fleet prices and a large selection of used cars

    What our customers say 1700+ Reviews

    Thank you Emma for your efforts in helping us getting car finance.
    Ibrahim Mr
    Ibrahim Mr
    08:48 27 May 24
    David was so very helpful. Fantastic to deal with and nothing was a problem. A dream come true I honestly can’t thank David enough for making this dream come true. Highly recommend National Loans and David.
    Carren Muhle
    Carren Muhle
    07:43 27 May 24
    Bailey Betts went above and beyond to ensure finance was completed before the delivery of my vehicle. Communication was excellent throughout the process. I highly recommend Bailey to anyone.
    Christian May44rsSFG C zip
    Christian May44rsSFG C zip
    01:00 25 May 24
    fbaa logo 1
    mfaa logo

    Ready to get started?

    call to actionApply for an Personal Car Loan in
    Less than 5 minutes.

    Helpful Articles

    avoid dealer arranged finance 1

    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.

    Read More →
    price of used cars australia image 1

    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.

    Read More →
    blog average car banner mobile

    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 …

    Read More →

    Yes, we have fantastic relationships with a large number of car dealers , giving us access to fleet pricing on new vehicles and a large selection of used cars

    Anyone who is an Australian resident, over 18 years of age that gains income from employment or pension can apply for a loan from us.

    This is dependant on your circumstances. After receiving any supporting documents we may need, in most cases we can have an approval in 1 hour.

    That’s absolutely fine, give our friendly team a call on 1300 358 358.


      Your details are protected by 256bit encryption
      Scroll to Top
      Scroll to Top