Today's best rate is 5.99%
(Comparison rate 6.64%)
FBAA logo
AFCA logo
Viking logo
Same Day Approval

Same Day Approval

95% of applications are processed on the same day, secure your new or used car financing today

No Application Fee

No Application Fee

Apply for any new or used car loan without fees. Quick, easy, and cost-free.

Over 45 Lenders

Over 45 Lenders

We connect you with a diverse range of over 45 lenders to ensure you receive the lowest rates for your car loan.

No Impact on Credit Score

No Impact on Credit Score

The pre-approval process does not impact your credit score so that you can submit your application with no hassle.


Why Cars Finance?

We understand the importance of the perfect car and the challenges of financing. With years of experience, we’re committed to securing the best deals to fit your life.


Loan Calculator

Work out your repayment based on the amount you are looking to borrow, or put in the amount you can afford to see how much of a car you can afford.

Your repayments could be $??? per week
You can afford a car priced at $???
Disclaimer: All applications for credit are subject to credit assessment criteria. Terms and conditions are available upon application. Fees and charges may apply. The repayments calculator and affordability calculator provide estimates only and are based on the accuracy of the information provided.

Meet Our Lenders

When dealing with us, you unlock a wealth of choices between 45+ lenders.

Wisr Finance logo
Latitude Financial Services logo
Australian Motorcycle & Marine Finance logo
Metro Finance logo
Fox Finance Group logo
Firstmac Finance logo
Pepper Money Limited logo
ANZ logo
Shift Financial logo
Liberty Network Services logo
Macquarie Leasing logo
Capital Finance logo
Money 3 Corporation logo
RACV Finance logo
Selfco Leasing logo
Axsesstoday Finance logo
Classic Funding logo
Flexi Commercial logo
Affordable Car Loan logo
AFS - Auto Finance Simplified logo
Australian Premier Finance logo
GreenLight Auto Finance logo
Alto Group logo
Morris Finance logo
Prospa Finance logo
Noun Finance logo
Rate Setter logo
Silver Chef logo
Novated Connect logo
Money Place logo
Moula Finance logo
Societyone Finance logo
Thorn Group Ltd logo
TL Rentals Finance logo
U Me Loans logo
Money Me logo
Azora logo
Plenti logo
Autopay logo
Resimac1 logo

Our Happy Customers

Feedback is everything to us. 90% of our customers rate us 5 stars on Google. Here's what they say about us.

Great service from Susie. I highly recommend her. I changed my mind 3 times about a purchase of a vehicle and she was very patient and really helpful. She had addressed every concern I had with the documents and it was easy to process the paper work all thanks to her and her team. Would definitely inquire her service again.

CJ LOYAL avatar
Posted in January 2024

Toby's great, helped me secured my dream car within a few weeks I contacted him, very communicative and made it easy. Pretty much hassle free.

Luke Pan avatar
Luke Pan , QLD
Posted in October 2023

10/10 recommend!!!! Wonderful staff it they made it so so easy. Very helpful every step of the way! Toby was absolutely wonderful! Helped me with my first car the process was quick very grateful!!!!

Teressa Robb avatar
Teressa Robb , VIC
Posted in October 2023

Couldn’t recommend Susie @ carsfinance highly enough, she made the whole experience getting a new car super easy. She went above and beyond and I will be using her for any other finance needs in the future. Thanks Susie!

Samuel James avatar
Samuel James , VIC
Posted in January 2024

Highly recommend susie, for getting ur first car loan approved. She is very helpful and made the whole thing processed so quickly and easily. And on top of that she was so easy to communicate with. thanks a lot for ur help susie.

Reetika Joshi avatar
Reetika Joshi , QLD
Posted in October 2023

Honestly, I could not recommend this company enough, specifically, Toby. Not only did they help me through every step of the process with finding the best deal, but he went above and beyond to ensure that I was happy with the deal that I had selected, and the entire process was completely finished in a few short days. If you are looking for vehicle finance, please, make a phone call, ask for Toby, and have a conversation about it. I’m certainly won’t be disappointed.

Brock Harris avatar
Brock Harris , QLD
Posted in July 2023

This car finance is one of the best company they helping me buy new car, everything went well. I back to them again in the near future.

Mohamed Elhag avatar
Mohamed Elhag , NSW
Posted in April 2024

I found car services Australia (my contact : Susie). Prompt, Professional, Courteous and Helpful with my attaining a loan for my new car. Do yourself a favor when seeking a car loan and check out Car Services Australia...Happy customer here.

Franklin Wescombe avatar
Franklin Wescombe , QLD
Posted in April 2024

Highly recommend. Toby helped me out from start to finish, he made the process easy an was very helpful. Thank you!

Yozanna Hori avatar
Yozanna Hori , QLD
Posted in Feburary 2024

Great company! Susie was super helpful, always followed things up and very time efficient.

Emily Leibinger avatar
Emily Leibinger , SA
Posted in January 2024

Hands on on assisting you even though susie is busy still she will find time to assist you at anytime. Morethan willing to help you at any circumstances. Will never let you down.

Ian Katrick Jr Santos avatar
Ian Katrick Jr Santos , QLD
Posted in Feburary 2024

Susie was so easy to work with and very patient. Job well done cheers guys.

Richard Eynon avatar
Richard Eynon , QLD
Posted in March 2024

Susie from Cars Finance has been more than incredible! She is so thorough and thoughtful and make sure that she constantly follow things up. I was provided with list of options as well as clear instructions on what/how to proceed, and thanks to Susie I was able to get my car loan approved so quickly without any hassle. She deserves a pay rise!

Cindy Zhang avatar
Cindy Zhang , WA
Posted in June 2023

Toby was amazing. Couldn't ask for a better consultant. He went above n beyond. Will defently be coming back when I wanna get my next car. Highly recommend.

Jessica Lee avatar
Jessica Lee , QLD
Posted in August 2023

I'm very happy to get toyota car thru susie. She is very nice lady and help me alot and make my finance smooth. Thank you so much susie.

Roshneet Kaur avatar
Roshneet Kaur , QLD
Posted in September 2023

Very easy to deal with and great will help you it’s all your needs and get you the financing that you need. Susie thank you for all your help with getting our new car. Appreciate all the work she did.

Meatinee Sumranpon avatar
Meatinee Sumranpon , SA
Posted in August 2023

Susie was the best she went above and beyond to help get my car loan and approved. Nothing but 5 stars for her.

Chethona Im avatar
Chethona Im , QLD
Posted in August 2023

Money3 are the best, they help get my first car.

Queen garmowon avatar
Queen garmowon , VIC
Posted in March 2024

5 star for the broker Toby! Very helpful.

Amanda Yan avatar
Amanda Yan , QLD
Posted in November 2023

Thank you so much Toby, we appreciate your hard work, God bless you and thank you for everything.

Hope Togiai avatar
Hope Togiai , NSW
Posted in October 2023

Frequently Asked Questions does not provide car loans, rather, we are a credit broker able to connect you with reputable and trusted lenders who offer the very best car finance deals. And because we use ‘soft’ credit searches in the first stage of the enquiry you will not see any negative impact on your credit rating. If you wish to proceed with a quote, we then connect you directly to the lender who will conduct additional credit checks. Our aim is to provide the best car finance quotes across the Australia, so you have a fantastic selection of the very latest offers. It leaves you in full control to make a decision that you are comfortable with and allows you to find the perfect auto for your needs.
If you are holding Australian citizenship or permanent residency, being over the age of 18, and earning some type of income.
In general, we would need to see proof of licence, proof of income and proof of address. Some applications, though, might require additional documents.
You can apply directly on our website by filling out a loan application form. The process is quick and simple, requiring just a few personal and financial details.
Completing and submitting the application takes around 15-20 minutes. It will generally take one or two working days to evaluate your papers and financial information before reaching a judgment on your application.
The simple answer is no. In most cases, you can borrow 100% of the cost of your vehicle as long as you can afford it.
The borrowed amount depends on your and your car's value, but you can borrow up to $ 100,000 and an average of $ 30,000.
Yes, our financing options cover both new and used cars purchased from dealerships. We help you secure loans with terms that fit your budget and preferences.