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Unsecured 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 17-11-2023. National Loans is a Licensed Finance Broker here to assit you when you apply for a unsecure car loan online. Get car finance pre-approval today with National Loans.

    Australia’s Unsecured Car Finance Experts

    If you’re looking for a car loan to buy a new or used car, it’s important to explore all your finance options. One of those options is an unsecured car loan. Read on to find out everything you need to know about unsecured car loans, including their pros, cons and answers to FAQs.

    3 Simple Steps

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    1. Apply Now

    Your finance specialist will take the information we need and search the market for the best finance package.
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    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.
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    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!
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    What is an Unsecured Car Loan?

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    Advantages of unsecured car loans

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    Disadvantages of unsecured car loans

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    Can I buy the unsecured vehicle from a private individual?

    If you are buying a used car privately from an individual rather than a car dealer, you should check the PPSR to make sure there is no money owing on the vehicle. Do this BEFORE you hand over any money to the car seller.

     

    If you don’t and you take out a loan to buy the vehicle, the seller’s lender can repossess the vehicle. They will do this if the seller doesn’t use the money you pay for the car to repay their loan.

     

    The best way to avoid this scenario is to get a payout figure from the seller’s lender and to split the agreed selling price into two transfers — one to pay out the seller’s lender and the remainder to the seller.
    Apply Now

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    Can I get unsecured car finance?

    Not all lenders offer unsecured car finance, so it’s best to talk to an unsecured car finance broker to find out the ones you do. Our expert team of brokers at National Car can save you time and hassle.

     

    We have a panel of unsecured finance lenders and we look for the best unsecured car loans Australia has to offer for our car buying clients. We can also help you with unsecured car loan comparisons.

     

    The main concern of any lender when you apply for unsecured car finance is that you will make your repayments. The best way to convince a lender of that is to have a good credit score and to demonstrate that you can afford your repayments.
    Apply Now

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    How do I apply for unsecured car finance?

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    Use our unsecured car loan calculator

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    Unsecured 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
    $109
    /Weekly
    Balloon payment
    $14000

    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.

    Get Unsecured Car Finance Pre-Approval

    Getting an unsecured car loan pre-approval before you start looking for a car can be a very smart move. It will let you know the value of the car you can afford, so you don’t waste time looking at any vehicles that are outside your price range. You can apply for an unsecured car loan pre-approval

    Or if you’d like to find out more about different car finance options, you can read more about personal car finance here, commercial vehicle finance here, and classic car finance here.

     

    Apply Now

    Request A Call Back

    Why Choose National Loans?

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    1500+ Five Star Google Reviews

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

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    We Work For You

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

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    Protect Your Credit Score

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

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    Fast Approval

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

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    Access Lower Rates

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

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    Free Car Finder Service

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

    What our customers say 1500+ Reviews

    Kaila Prew
    Kaila Prew
    05:23 17 Nov 23
    bryan coleman
    bryan coleman
    06:57 16 Nov 23
    Julie Campbell
    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
    Kris Maree
    03:41 15 Nov 23
    Great and easy to deal with and very responsive to all questions
    Dragan Jovanovski
    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
    Keith Tullipan
    00:10 13 Nov 23
    really good help from wayne 👍🏼
    nickmatties
    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
    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
    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
    Simon Jones
    02:48 10 Nov 23
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    Ready to get started?

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    FAQs

    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.

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