Rated 4.9 By Car Owner

Find the perfect car loans in Australia with fast approval, low rates and 5 star support!

Our award-winning team will compare loans from 30+ lenders to help you get the best deal, fast!

 
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Looking for a great car loan?

Finding the right car loan in Australia can feel overwhelming, with complex terms, hidden fees and impacting your credit score.

Choosing the wrong car finance option could mean paying more than necessary or locking yourself into a bad deal.

Instead of stressing about car loans, picture yourself driving away in your new car, confident you’ve secured a loan that works for you.

That’s exactly what we’re here to help with!

At Naked Loans, we compare 30+ lenders to find you the best car loan options in Australia. And the best part? Our service is completely free! We’re paid by the lender you choose, so there’s no cost to you.

Ready to get started? Enquire online today and let us help you hit the road with the perfect car loan!

 
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Rated 4.9 out of 5 by hundreds of customers, with a 95% loan approval rate.

 
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How we help you get the best car loan in Australia.

Get the best rates.

We compare 30+ trusted lenders to find the perfect car loan for your needs. Let us handle the hard work so you can enjoy competitive rates tailored to you.

48 hour approval.

Get approved for your car loan in as little as 48 hours. Our efficient process ensures you’re ready to hit the road without unnecessary delays.

Award winning support.

Our team of experts offers personalized advice, helping you select the best loan options and features for your unique situation.

No impact on credit score.

Compare loan options risk-free. We use a soft credit check that won’t impact your credit score, unlike applying directly with lenders.

 
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 Car Loan Calculator

Want to see how much your loan would cost? Use our car loan calculator to estimate your car loan repayments based on your chosen loan term, repayment amount, and maximum loan term options.

 

Access to 30+ different lenders

Why settle for limited choices? At Naked Loans, we open the door to over 30 reliable lenders, giving you the power to compare and customise a car loan that fits your lifestyle and budget. Whether you’re after low interest rates, flexible terms, or both, we’ve got you covered.

More options mean better savings and a loan that works for you—not the other way around. Ready to take the wheel with confidence? Send us a free enquiry today and find the car finance solution you deserve!

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Car Loans Australia: Our 4 Step Process

car loan step one

1. Application

Apply online in just 60 seconds and connect with a car loan broker. We’ll provide a free, no-obligation consult to review your financial situation and identify the best car loan options for you.

car loan step two

2. Assessment

We handle your car loan application and submit it to the lender. Once approved, you select your vehicle, and we forward the invoice to the lender for processing.

car loan step three

3. Contract

Review your loan terms and repayment details. Once you’re happy, sign the contract, and we’ll take care of the paperwork, sending it back to the lender for final approval.

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4. Settlement

The lender completes the settlement process and sends us the final confirmation, which we share with you and the dealer. Now it’s time to enjoy your new car loan and hit the road!

 
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Car loan eligibility criteria.

If you meet these basic requirements, you are eligible! Our lenders offer car finance with a minimum loan amount of $5,000, ensuring you can find a loan option that fits your needs.

Each lender has specific lending criteria, including proof of income and credit history, to ensure you qualify for the best car loan options.

 
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Steady Employment

You have a regular income from your job, demonstrating your ability to comfortably manage loan repayments.

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18+ Years Old Australian

You’re 18 years or older, an Australian resident, and have a stable living situation with a sound financial background.

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Loan Amount

You are looking for a realistic loan amount (based on your situation), with a car loan between $5,000 - $100,000

Credit History

Credit History

Your credit history is free from unresolved defaults or significant concerns that could impact a lender’s assessment.

 

Bad credit? No worries!

At Naked Loans, we are bad credit car loan specialists. We’re renowned for helping Australians secure car finance, even with a rocky history. We know life happens, and a less-than-perfect credit history shouldn’t stand in the way of getting the car you need.

With our expert guidance and credit-friendly approach, we’ll help you overcome the hurdles and get back on the road.

Ready to turn things around? Enquire online today!

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Types of car loans.

A car loan helps you purchase a new or used vehicle by borrowing money and paying it back over time with interest. Car loans can vary in terms of interest rates, repayment terms, and eligibility requirements, making it essential to find the right one for your needs. That’s where we come in!

 

New Car Loans

Competitive rates for buying brand-new vehicles (with better rates than the dealership!)

Used Car Loans

Flexible options for purchasing pre-owned cars, either from a dealer or private sale.

Low-Doc Car Loans

Perfect for self-employed individuals or those with limited paperwork.

Bad Credit Car Loans

Have a rocky credit history? No worries! We specialise in bad credit car loans.

 

Ready to start your car loan? Apply online in under 30 seconds!

 
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Learn more about car loans.

 

Car Loans Australia FAQ

  • A car loan is a type of financing that helps you purchase a new or used vehicle by borrowing money from a lender. You repay the loan in monthly instalments, which include the principal amount and interest, over an agreed period.

  • Yes! At Naked Loans, we specialize in helping people with bad credit secure car finance. We work with a wide network of lenders, including those who offer flexible options tailored to your circumstances.

    Click here to learn more about bad credit car loans and how we can help.

  • Loan amounts typically range from $5,000 to $100,000, depending on your financial situation, income, and credit history. Our team can help you find a realistic amount that fits your needs and budget.

  • To qualify, you generally need to:

    • Be at least 18 years old.

    • Have a regular source of income.

    • Be an Australian resident.

    • Show a reasonable credit history.

  • Approval times vary, but with our streamlined process, you can often get approved in as little as 48 hours.

  • Car loan interest rates vary depending on the lender, your credit history, and the loan term. Our team compares rates from 30+ lenders to find the best deal for you.

  • Yes, if you do it yourself.

    But not with us! We use soft credit checks during the initial process to protect your credit score while we explore your options.

  • Interest rates depend on your financial profile, loan amount, and the lender. Our team will compare rates from over 30 trusted lenders to find the best deal for you.

  • Absolutely! Pre-approval lets you know how much you can borrow before choosing your vehicle, giving you confidence and bargaining power when you shop.

  • You’ll typically need to provide:

    • Proof of identity (e.g., driver’s license).

    • Proof of income (e.g., payslips or bank statements).

    • Information about the vehicle you’re financing.

  • If you miss a repayment, it’s important to contact your lender immediately. Many lenders offer solutions, but repeated missed payments could affect your credit score and financial situation.

  • We specialise in car financing. Whilst we can provide general advice, we don't offer services for a:

    • Personal loan

    • Home loan

    • Commercial loan

    • Business loans

  • Yes, some lenders allow early repayments, but fees may apply. We’ll help you understand early repayment fees and find the best car loan option for you.

  • A consumer car loan is designed for personal use, offering flexible terms and competitive rates for new or used vehicles.

  • We don't personally offer car insurance, but we can connect you to a reliable partner who will able to help!

  • An unsecured car loan doesn’t require the vehicle as collateral, providing more flexibility but typically with higher interest rates. We can help you decide if an unsecured option suits your needs.

  • Loan repayments are usually made monthly over the agreed loan term. Use our car loan calculator to estimate your repayment amounts.

 
 
 

 We work for YOU.

We work for you (not the lenders) meaning we’re all over the fine print too. We’ll make sure you save money with the right loan, but also keep you out of trouble or hidden nasties. With the right loan you could save a LOT of money of the lifetime of the loan!

We’ve helped thousands of Aussies just like you get financed and now it’s your turn — click the button to apply online.

Enquire Online Now

 
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