Vehicle and seller
Age, kilometres, condition and whether you buy through a dealer or private seller can affect lender appetite.
Consumer finance
Car loans for the purchase you have in mind
Buying new, used or through a private sale? Tell us the plan and a broker can compare suitable lender options.
- 40+ lender panel
- Australia-wide
- Enquiry first — no application lodged
Understanding car loans
Car finance is not one-size-fits-all. Vehicle age, purchase channel, deposit, loan term and your broader profile can all change which structure makes sense. RateSmart helps organise those details before approaching suitable lenders.
Finance is subject to lender assessment, eligibility and terms. Rates and fees vary. Information here is educational and not financial, tax or legal advice.
Broker contactKevin Safary
Published businessRateSmart Finance Pty Ltd
ABN 71 665 085 058
Licence referencesACL 546549
ACR 546466
Decision support
What changes a car-finance comparison
Two cars with the same price can still produce different finance options. These are the details worth settling before comparing offers.
Amount and deposit
The purchase price, trade-in, deposit and on-road costs determine the amount that actually needs funding.
Term and final payment
A longer term can reduce regular repayments but increase total interest. A balloon changes both the repayment and the amount left at the end.
Existing finance
A payout figure and any equity or shortfall matter when replacing or refinancing a current vehicle.
Car-purchase feedback
5.060 Google reviews
“Helping me through the process of purchasing my new car.”
A public Google review that specifically mentions purchasing a car.
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Built around the asset or purpose.
- 01New and used vehicles
- 02Private-sale purchases
- 03Refinancing an existing car loan
- 04Dealer purchases
Compare the complete offer
Look beyond the advertised rate.
Ask for the repayment, fees, conditions and end position to be explained together. An estimate is useful, but it is not a lender quote or approval.
Open repayment estimatorInterest rate and comparison rate
Establishment, monthly and broker-related fees
Balloon or residual amount and the final repayment
Early payout conditions and flexibility to make extra repayments
What may be requested later
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Proof of identity
- 02Income or employment details
- 03Vehicle and purchase information
- 04Existing loan statement when refinancing
Questions, answered plainly
Before you start.
Can a broker help with a private-sale car?
Potentially. Private sales can have different lender and vehicle requirements, so share the vehicle details early.
Can I estimate repayments first?
Yes. Use our repayment estimator for an indicative figure, then ask a broker about lender-specific pricing and fees.
Does asking for a quote guarantee approval?
No. A quote request starts a broker conversation. Approval, pricing and conditions depend on lender assessment and your circumstances.
