ClickCease

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 13-03-2024. 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

    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!
    shutterstock 1489028603

    What is an Unsecured Car Loan?

    magnifying glass img 1

    Advantages of unsecured car loans

    shutterstock_529724287.jpg
    shutterstock 660663610

    Disadvantages of unsecured car loans

    magnifying glass img 1

    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

    shutterstock_670570318.png
    shutterstock 1722000565

    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

    magnifying glass img 1

    How do I apply for unsecured car finance?

    shutterstock_1724743738-1.png
    shutterstock 1920817421

    Use our unsecured car loan calculator

    magnifying glass img 1

    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

    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 1500+ Reviews

    Very helpful and always available when needed
    Max Kingsbury
    Max Kingsbury
    00:56 13 Mar 24
    Matt was awesome to deal with
    Barry Ainsworth
    Barry Ainsworth
    08:10 11 Mar 24
    Extremly diligent. A1 customwr service from start to finish. Highly recommend & will use again.
    justin kemp
    justin kemp
    22:13 09 Mar 24
    Alex Mckellar
    Alex Mckellar
    00:40 08 Mar 24
    Anyone considering using the services of National Loans please ask for Teo ! He went above and beyond ! Great communication and just fantastic to deal with 11 out of 10 and a huge thumbs up from me 👍
    Katie wilkes
    Katie wilkes
    21:46 07 Mar 24
    Bailey has A1 customer service including great communication thru the entire process. Bailey has a wealth of knowledge in the financial sector to get us what we needed when we needed it.Will highly recommend & use again in the future.
    Natalie Kennedy
    Natalie Kennedy
    09:57 07 Mar 24
    Vik from National finance has been a great help.Based on my requirements, my budget , Vik offered the best available service that could be acquired.Would definitely reach out to Vik again in near future for similar service requirement.In less than 48hours i had a loan approval for the car with everything set in place.Great experience altogether.
    shourya bhatnagar
    shourya bhatnagar
    06:39 06 Mar 24
    Shannon was great to work with very efficient and she keep us informed throughout the process ,Highly recommend.
    Joanne Avnell
    Joanne Avnell
    23:30 04 Mar 24
    Brodie is great to deal with. Professional and gets the job done. Very smooth process and happy with the outcome.
    Jadey V
    Jadey V
    01:07 04 Mar 24
    I could not be more satisfied with the service I received from Vik on every occasion that required help with the process, he showed great skill and patience with the whole experience and I wouldn’t hesitate to recommend him to any of my colleagues. Thanks Vik.
    James Tighe
    James Tighe
    05:58 01 Mar 24
    yH5BAEAAAAALAAAAAABAAEAAAIBRAA7
    fbaa logo 1
    mfaa logo

    Ready to get started?

    call to actionApply for an Unsecure 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 →
    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.

    Car Finance Brisbane
    Rates from 3.79%

      Get Your Free Online Quote

      * This will not affect your credit score

      close-button
      GET A FREE ONLINE QUOTE

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