Car Loans

Need a car loan? Finwise Finance will provide you with complete and personal support to secure the best car loan for your circumstances. Whether you’re purchasing a new or used car and need a competitive, low interest rate, we have multiple lenders to choose from, ensuring you have access to the best rates for both secured and unsecured loans.

guy purchasing a car
  • Fast car loan approval
  • Loan terms from 12 months to 7 years
  • Highly competitive fixed rates from multiple lenders available.
  • Depending on your circumstances, no deposit loans are available.

Whether you are buying a car new or used, from a private seller, online or from a dealer, Finwise Finance can help.

Our experienced and helpful team of brokers offer unmatched expertise in car loans and finance. We will assist you in determining your finance options, so you can make a fully informed decision on the best car loan for you.

Unsure which car loan is best for you? There are many options available for you to finance your car here in Australia.  A consumer car loan is a great option when you use your car mostly for private use.

New Car Loans

In the market for a new car? It’s important to explore your car finance and loan options to ensure you’re getting the very best deal.  

With an unlimited number of car loan providers available in Australia, it makes sense to do your research and align yourself with a new car finance provider who can access the best rates from over 30 top lenders in the country.  

At Finwise Finance, our team specialise in helping our clients obtain the most affordable and competitive new car loan interest rates available on the market. When you choose Finwise Finance for your new car loan you’ll benefit from: 

  • Competitive & low new car loan interest rates 
  • Quick and easy new car loan approvals  
  • Select a new car loan contract term ranging from 12 months to 7 years. 
  • Depending on your circumstance, choose from a secured or unsecured loan. 
  • Online application – don’t waste time visiting a branch!  
  • Dedicated support to help you through every step of the process. 

Used Car Loans

Whether you’re searching online for a used car, looking privately or at a dealership, it’s important to ensure you choose the very best loan provider to get the best option on used car finance available on the market.  

At Finwise Finance, we provide low used car loans to clients with a quick and easy application process ensuring you get your loan as fast and as seamless as possible. With access to 30 leading used car loan finance lenders in Australia, you’ll have peace of mind in knowing your rate will be as competitive as possible. When you choose Finwise Finance for your used car loan you’ll benefit from: 

  • Online application – don’t waste time visiting a branch!  
  • Dedicated support to help you through every step of the process. 
  • Competitive & low used car loan interest rates 
  • Quick and easy used car loan approvals  
  • Select a used car loan contract term ranging from 12 months to 7 years. 
  • Depending on your circumstance, choose from a secured or unsecured loan. 
travel
  • Select a contract term ranging from 12 months to 7 years.
  • Fixed interest rates mean no surprises when making your regular repayments.
  • Depending on your circumstance, you can select secured or unsecured loan.

Consumer Car Finance

If you use your car mostly for personal use, we can provide you with access to an extensive range of lenders, ensuring you get the best rates with the most favourable terms.

With a consumer car loan, here in Australia there are no restrictions placed on the vehicle that you may decide to purchase. So regardless of whether you are considering a brand-new car, 4WD, or a used or vintage car, Finwise Finance can help you secure the best option.

Your personal car loan is arranged with a bank or finance company, with an agreement made to pay back the loan in regular installments. Once the agreement is made, the funds are provided for the purchase of your car.

Typically, car loans are provided for a term of 12 months to 7 years, with repayments made weekly, fortnightly or monthly. The longer the term, the less you pay per month.  Interest rates are fixed for the life of your loan, so you know exactly what you will be paying month to month. Also, depending on your situation, you may also be able to access a loan without an upfront deposit.

In some cases, the regular repayment amount may be decreased by paying a residual payment, also called a balloon payment.

When you first contact Finwise Finance, you will be connected with one of our dedicated car finance experts, who will carefully walk you through all your options and answer any questions you may have.

If you are looking for your next car, and considering finance, don’t hesitate to get in touch with us.

Secured Car Loan

Secured car loans are available with no deposit on 12 months to 7-year terms. Typically, a secured car loan is used for the financing of a new car, or a car that is only a few years old.
Secured car loans offer very competitive, low interest rates, as your vehicle provides security against the loan, reducing the risk to the lender. At the end of the loan term, the vehicle is released by the lender, so you then own the vehicle outright.
In the event you decide to sell your car, you pay out your loan in full, with no more repayments.

  • Highly competitive, fixed car loan interest rates are available.
  • If you decide to sell your car, you may pay out your loan in full, with no more repayments.
  • Car finance contracts ranging from 12 months to 7 years, made weekly, fortnightly or monthly.

Unsecured Car Loan

With an unsecured car loan, you own the car outright, with no security held over the title of the car.

Repayments are then made by you to lender on the agreed terms until the loan is repaid. As such, the rates may not be as favourable as for a secured car loan.  However, the car is immediately yours, and you are then able to sell the car at any time you choose.

An unsecured car loan is often the better option when purchasing an older vehicle, that might not meet the requirements for a secured car loan.

  • Highly competitive fixed vehicle finance & interest rates available.
  • You immediately own your vehicle outright.
  • Vehicle loan contracts ranging from 12 months to 7 years, made weekly, fortnightly, or monthly.

Why Choose Finwise Finance for Your Car Loan?

There are so many great reasons to choose Finwise Finance to help fund your next car purchase. 

  • We have access to a large range of loan products of all types at highly competitive rates. 
  • We provide dedicated support to help you through every step of the process. 
  • We help protect your credit score, by accurately assessing your circumstance, so we know which lender is best for you. 
  • Select a contract term ranging from 12 months to 7 years. 
  • Fixed interest rates mean no surprises when making your regular repayments. 
  • Depending on your circumstance, you can select secured or unsecured loan.