1300 361 360

Let us find you a low rate, flexible car finance solution today!

Since 2007, we have been helping our customers live their life upgraded with low rate loans.  Whether you’re purchasing your first car or upgrading to a family SUV, or trading up to a grunty 4×4,we can find you a low rate personalised finance solution from our panel of over 60 leading Australian bank and non-bank lenders.

  • Low total cost of loan and low repayments
  • No deposit loans available
  • Tax effective commercial loans and novated leases available
  • Private, dealer, new and used cars eligible
  • Balloon repayments also available to lower repayments

Car Finance options

Lower rates • Higher borrowing limits • 1-7 year terms

A Secured Car Loan is finance provided for the specific purpose of purchasing a new, near new or used car. Secured Loans offer the most competitive rates and repayments compared to other loan types by using the car as security for the loan. With the car as security, our panel of lenders can offer you lower interest rates as their risk is lowered in the unlikely event of default on the loan. A Secured Loan is a great option if you are wanting to buy a car within a set monthly repayment budget.

Learn more about Secured Car Loans by speaking with one of our Finance Specialists who can assist in determining the most suitable loan option for you.

Greater Flexibility • Ideal for older vehicles • 1-7 year terms

An Unsecured Car Loan is finance that can be provided to purchase a new, near new or used car without the car being held as security in the unlikely event of payment default. Also known as a Personal Loan, Unsecured Car Loans offer a greater level of flexibility than other loan types, however as the lenders risk is slightly higher by not having any security over the loan, the interest rates offered can be a little higher. An Unsecured Car Loan is ideal for purchasing older, niche or unique cars or if you simply want the freedom to sell your car down the track without impacting on your finance arrangements.

Learn more about Unsecured Car Loans by speaking with one of our Finance Specialists who can assist in determining the most suitable loan option for you.

Tax effective car ownership • No deposit • 1-5 year terms

A Novated Lease is a tax effective solution for purchasing a vehicle, particularly if you use your vehicle for work purposes or receive a car allowance from your employer. A Novated Lease is an agreement between you, your employer and the finance company. When you purchase a vehicle, the finance agreement is between you and the finance lender. Via the agreement, your employer has the responsibility to make the finance payments on your behalf from your pre-tax salary (reducing your taxable income). 360 Finance can arrange a Finance Only Novated Lease on your behalf with your employer, or work with a Salary Packaging organisation for a fully maintained Novated Lease which includes expenses such as servicing, fuel, maintenance and registration.

Learn more about Novated Leasing by speaking with one of our Finance Specialists.

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Lowest rates • Tax effective • Low Doc • 1-7 year terms

A Business or Commercial Loan is finance provided for the specific purpose of purchasing a vehicle or fleet of vehicles for business. Commercial loans offer some of the most competitive rates and repayments compared to other loan types and can provide a tax advantage and allow you to claim GST and depreciation depending on the structure of your business. A Commercial Loan is a great option for any sized business with flexible repayment terms to suit business cashflow or accounting structures.

Click the link below to learn more about our Commercial Finance solutions or speak to one of our Commercial Finance Specialists.

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We'll find your ideal car and your best finance

360's 'Find & Finance' service can help you find your next dream car as well as your lowest rate finance - all to suit your budget and lifestyle. Our Procurement Team work with a National network of over 280 dealerships and can source your dream car, negotiate the price on your behalf and get the best price for your trade-in - all at no cost to you!

Learn more about our Find & Finance service via the link below or mention it to your Finance Specialist.

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Competitive
We have access to some of the lowest industry rates allowing us to be highly competitive and find your best rate finance solution.
Easy
We do the running around for you in comparing finance options and rates from over 60 lenders.
Fast approvals
We work hard to get your loan approved fast. Same day approvals are available - ask us how!
Flexible terms
We find and compare loan options that best suits your needs and budget with flexible 1-7 year terms available.

What Our Clients Say

Neville Manson
Neville Manson
This is the 4th car loan where l have contacted Brock @360 finance. Brock is Awsome great communicator, friendly, professional & very helpful. I would highly recommend Brock if you are in need of a loan. Neville Portland Vic
mark armitage
mark armitage
Swift communication, easy online process and very responses service provided by Killian would highly recommended them for All financial requirements
Elisabeth Fekonia - Permaculture Realfood
Elisabeth Fekonia - Permaculture Realfood
Easy to contact and get great service from Brock
M R
M R
I gave up on Banks when they wanted your life story 360 Finance made it possible to buy my 4x4 plus dream caravan all under budget just be honest William the man found great deals for me he knew what I wanted and back me 150% he's your PA man! Onto it man! True story while I was out bush no signal he just cover all basic like finding the lowest interests insurance unbelievable price his services & patience is on point absolutely brilliant Thank you William
Connor Welsh
Connor Welsh
William was extremely helpful throughout the whole process
F Gagliardo
F Gagliardo
We had a great experience , Liam was very professional freindly and extremely understanding in preparing all our correspondence documentation. We would definitely recommend all our friends and family to Liam .
Greg Wood
Greg Wood
Kevin from 360 Finance was so helpful and went above and beyond to ensure our loan application went through with minimal fuss. There is always a redtape hiccup when loans are being requested but Kevin did all the hard work to make our experience stress free.
David blythe
David blythe
Liam from 360 Finance was helpful and informative through the whole process. The loan process went easy with the short time frame that was required.
Afghan Updates
Afghan Updates
360 finance is the best option to choose for finance a car i really recommend it
Austin Witt
Austin Witt
Can't thank Killian enough! he was so helpful and made the process so easy for me! Thank you Killian!
Google rating score: 4.7 of 5, based on 587 reviews

Calculators

Calculators and rates

At today's lowest car finance rate of 6.55%
(Comparison rate 7.77%) you'll pay approximately...

$ per *

At today's lowest car finance rate of 6.55%
(Comparison rate 7.77%) you can borrow approximately...

$*

Protect against the unexpected

SAVE UP TO 20% OFFWarranty and Insurances

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