01
Your first car
Moving on from the bus? A smaller hatch is a smart first buy and easy on running costs.
Used car loans made simple, Australia‑wide
Found the car? We'll help you finance it.
Get a quote
Free to enquire. No obligation to go ahead.
Our fastest time from enquiry to approval? 7m 28s!
Found it on a marketplace? Private sales can be financed too.
$0
to enquire
2 min
to fill in the form
24/7
enquire online, any time
Made for used car buyers. Free and no obligation. We pass your enquiry to a licensed Australian car finance broker.
Finance almost any used car
Drag, swipe or use the arrows to see what you can finance.
02
A family SUV
More seats, more boot space, room for the pram. Spread the cost over a term that suits you.
03
A work ute
Tradie or weekend adventurer, finance a dual-cab without emptying your savings.
04
A private sale
Spotted a bargain on a marketplace? Lenders can check the car and pay the seller directly.
05
A van for the business
Get the van on the road sooner and keep your cash flow free for the business.
06
A used EV
Second-hand electric cars are more affordable than ever. Make the switch for less.
Why choose us to finance a used car?
About 2 minutes
One short form. That’s it.
Tell us about the car and your situation once. No 20-page application to get started.
Start my quote
Dealer or private sale
On a yard or in someone’s driveway, there are lenders who finance both.
A broker in your corner
A licensed broker explains your options in plain English.
More than one lender
Compare loans from a panel of lenders, not just one bank.
Know your budget before you shop
Walk into the yard knowing what you can spend, and negotiate like a cash buyer.
Australia-wide
From Perth to Parramatta
Wherever you’re buying, we can connect you with a broker. Every state and territory.
HatchbacksSedansSUVsUtes4WDsVansWagonsUsed EVsHybridsPeople movers
Loans for real life
Whatever your situation, we can connect you with a licensed broker whose lenders may suit it. Every lender has its own criteria.
Bad credit
Past slip-ups considered
Centrelink income
Some lenders accept it
Self-employed
ABN holders welcome
Your first car
New to credit
Private sale
Buying from a private seller
Dealer purchase
Buying from a car yard
Refinancing
Switch your current loan
Take your loan for a test drive
Play with the price, your deposit, trade-in and term to find the set-up that suits you best.
The car
$
$5kPut your foot down$150k
The loan
Example rate for your credit history. Drag it to test your own.
Estimated repayment
$0.00
per week
- Car price
- $30,000
- Deposit and trade-in
- -$5,000
- Amount to finance
- $25,000
- Total interest
- $0
- Total repaid
- $0
Get my real quote
Estimate excludes fees and charges.
This calculator gives an estimate only, based on the figures you enter. The credit history rates are examples for illustration, not offers or comparison rates. It isn't a quote or an offer of credit, and fees and charges aren't included. Your actual rate, fees and repayments will depend on the lender and your circumstances.
How it works
Three stops between you and the keys.
Tell us about the car
Let us know what you’re buying, roughly how much you need and a few details about you.
Talk to a broker
A licensed car finance broker gets in touch, compares lenders and explains the loans that fit.
Pick up the keys
Once your loan is approved and you’ve signed, the lender pays the dealer or seller.
Get a quote
Free to enquire. No obligation to go ahead.
Made for used car buyers
Everything on the dash is pointing the right way.
Built for used cars
Older cars, higher kilometres, private sellers. Brokers know which lenders suit which cars.
More than one lender
Rather than one bank’s products, a broker compares loans from a panel of lenders.
Finance before you shop
Know your budget before you start looking, so you can negotiate with confidence.
Plain English
No jargon. We explain what happens next and what lenders will ask you for.
Before you enquire
Run through the pre-drive checklist. Tap each one that applies to you.
0 of 5
Let’s check you’re ready
Get my quote
Not ticking every box? Talk to a broker anyway, there may still be options.
Every lender has its own criteria. Your broker will tell you which ones fit your situation.
Start here
Find the right guide for your car
Every kind of car is assessed a little differently. Our guides explain what lenders look at for used SUV loans, used ute loans, used 4WD loans, used van loans and used electric car loans.
Already know the model? See the finance guides for the used Toyota Hilux, used Toyota Corolla, used Toyota RAV4, used Toyota LandCruiser, used Ford Ranger, used Mazda CX-5, used Isuzu D-Max and used Tesla Model 3, or browse by brand: used Toyota loans, used Ford loans and used Mazda loans.
Work out a comfortable repayment with the car loan calculator, see how UsedCarLoans works from quiz to keys, and find answers in the used car finance FAQs and our buying guides.
Good questions.
Straight answers.
Can I get finance for a car from a private seller?
Yes. Many lenders finance private sales. They usually check the car’s details and that there’s no money still owing on it before paying the seller.
Will getting a quote affect my credit score?
Filling in our form doesn’t run a credit check. A lender will only check your credit file when you choose to apply for a loan, and they’ll tell you before they do.
Are you a lender?
No. We connect you with car finance specialists who compare loans from a panel of lenders and help you apply.
How old can the car be?
It depends on the lender. Some limit the car’s age at the end of the loan term. Your specialist will tell you which lenders suit the car you’re looking at.
What do I need to apply?
Usually ID, proof of income such as payslips, recent bank statements and details of the car once you’ve found it.