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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 15-02-2024. 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?

    Group 535
    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

    Htoy ML
    Htoy ML
    23:56 13 Feb 24
    I have had an awesome experience dealing through David as He is very knowledgeable and professional throughout the process. Was always in contact with me and I could ask him anything anytime and he was very understanding and honestly I would recommend him to anyone going through the same process.
    Kye
    Kye
    07:47 13 Feb 24
    Jay was very helpful and quiet a smooth transition highly recommended
    Sathyanath G
    Sathyanath G
    22:58 12 Feb 24
    Great company, very easy to work with would definitely recommend. Our broker Jay Stjepic was the best , Kept us in the loop throughout the whole process with great service.If you need a loan call Jay Stjepic.
    Lionel Narisumulu
    Lionel Narisumulu
    08:58 09 Feb 24
    Had the pleasure to work with Matt and all i can say is splendid service and smooth operation. Couldn’t be happy enough. Definitely recommend anyone to go with the company and if you have Matt your in safe hands
    Brendon To
    Brendon To
    22:48 08 Feb 24
    I am so grateful to “Courtney” she is truly amazing for everything she did for us, her work, her communication and the way she speaks, she is very lovely and made everything easy and quick to get loan . I recommend National Loans to everyone, I believe you will remember my words.
    sanaa tomas
    sanaa tomas
    04:53 08 Feb 24
    super helpful with helping me get my first loan, very friendly and made the process very easy
    Oliver Staines
    Oliver Staines
    03:06 07 Feb 24
    Billie is such an amazing guy. If you want the best finance deals in shortest possible time, Billie can get you amazing results within hours.
    An Nguyen
    An Nguyen
    02:40 07 Feb 24
    Devin was extremely responsive, informative and professional. I’d highly recommend Devin to anyone who is looking for a loan specialist or broker.
    Courtney Jayne
    Courtney Jayne
    02:36 07 Feb 24
    The broker that got me the car loan was Teo. Initially I got some issues with securing a loan from the dealership. Almost gave up but stumble across National Loans by chance when surfing the net. Teo got my info, guided me through the process and promptly updated me. It was all sorted in 3 days. Thank you Teo again for helping. I really appreciate it. Indeed a five star service.
    Mohammad Firdauz Abdul Hadi
    Mohammad Firdauz Abdul Hadi
    10:44 02 Feb 24
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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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