Low Rate
Car Loans
We work tirelessly to get you the best rates & repayments for your business or personal needs.
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Secured Car Loan
Unsecured Car Loan
Business Car Finance
Find & Finance
Same Day Approval
Award Winning Broker Car Finding Service Online Broker Since 2007
Access to Lenders
A vehicle is a big financial investment, but a car loan can help make purchasing a car more affordable and allow people to buy the vehicle they need much sooner.
First-Class Customer Service
"We had terriffic service through 360 Finance. They were a pleasure to deal with at all times..."
At 360 Finance, we work for you, not the lenders. That's why you can feel confident knowing you're getting first-class service and car finance that's tailored to your life.
Apply today with Australia's trusted online broker since 2007
Flexible Car Loans Tailored to You
Choosing the right car finance can make buying a vehicle much simpler. Whether you’re applying for your first car loan or upgrading to something more suitable for daily use, 360 Finance helps Australians access personal car finance options that match their needs and budget.
Since 2007, we’ve supported thousands of customers across Australia by comparing competitive car loans from more than 60 trusted bank and non-bank lenders. Our team searches widely on your behalf to help you find low rates, flexible repayment terms and loan structures that feel manageable. From first time buyers to families and everyday drivers, we guide customers who want a clearer, easier way to understand their options.
We assist with a full range of loan types, including secured and unsecured options, personal loans for cars and flexible car finance products. If you’re purchasing a used vehicle, we help you compare choices for a car loan for used car purchases, supporting buyers across Australia who want predictable repayments and clear terms.
Working with us means access to competitive rates, fast approvals, and support for both new and used vehicles purchased through a dealer or privately. If you’re deciding between secured and unsecured car loans or exploring a car loan personal setup, we explain how each structure works, what lenders require and what to expect during the application process so you feel informed at every step.
For customers looking at a used car loan, we help balance affordability with value by comparing lenders, rates and repayment features. Our approach gives you confidence when weighing your options and choosing a structure that suits your plans.
No matter your buying stage, 360 Finance is here to help you secure the right loan and get on the road sooner. If you want to estimate your repayments before choosing a lender, you can use the car loan calculator to see what may fit your budget.
At 360 Finance, we offer:
For life and leisure, business or personal, we've got you covered in every situation
Low total cost of loan and low repayments- No deposit loans
- Private, dealer, new, and used cars
- Balloon repayments to lower repayments
Car Loan Options
Secured Car Loan
A secured car loan is designed for customers purchasing a new, near-new or used car and want the...
A secured car loan is designed for customers purchasing a new, near-new or used car and want the structure and certainty that comes from using the vehicle as security. Because the car reduces the lender’s risk, secured loans often provide competitive interest rates, predictable repayments and higher borrowing limits.
A secured car loan suits buyers who want clear monthly budgeting or access to low-rate options across multiple lenders. Our finance specialists can help you compare secured loan structures, explain eligibility and guide you through what each lender offers.
Unsecured Car Loans
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 de...
Unsecured car loans allow you to buy a car without using the vehicle as security. These loans are ideal for buyers of older, unique or niche vehicles, or for those who prefer more flexibility when selling or upgrading in the future.
Because there is no asset used as security, rates may differ depending on the lender. However, unsecured car loans provide more freedom and can suit customers who want a simple, adaptable structure. Our team can help you compare lenders and choose an unsecured option that fits your budget and goals.
Business Car Finance
Business Car Finance supports sole traders and businesses...
Business Car Finance supports sole traders and businesses purchasing vehicles for commercial use. These structures may offer strong rates, tax advantages and repayment flexibility based on your business cashflow or accounting requirements. Commercial borrowers may be able to claim GST, interest and depreciation depending on the loan type.
Find & Finance
Finding the right car and finance to suit your needs can be extremely time consuming, but that’s where we can help!..
Finding the right car and the right rate takes time, which is why our Find & Finance service manages both for you. Through our national network of more than 180 dealerships, we can source your ideal car, negotiate pricing and secure strong value for your trade-in, all at no cost to you.
Once your vehicle is selected, we arrange your lowest rate car finance, ensuring everything aligns with your budget and lifestyle.
Competitive
We have access to some of the lowest industry car loan rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing car loan options and rates from over 60 lenders.
Fast Approvals
We work hard to get your car loan approved fast. Same day approvals are available - ask us how!
Flexible Terms
We find and compare car loan options to find what best suits your needs and budget with flexible 1-7 year terms available.
Car Loan Frequently Asked Questions
What are the benefits of getting a car loan in Australia?
A car loan lets you purchase a vehicle sooner while spreading the cost over time. This can be especially helpful for work, family commitments or everyday transport. A personal car loan also allows you to choose a make or model that suits your needs rather than relying solely on savings. When managed well, a loan can support your credit profile, helping with future lending. Many buyers use first time car loan options to start building a positive repayment history.
How does a car loan work?
A car loan lets you borrow a set amount to purchase a new or used vehicle, then repay it over a fixed term with interest. You choose your car and personal car finance type, submit your financial details, receive an offer, sign the agreement and the lender pays the seller directly. You can use the Car Loan Calculator to estimate your repayments before choosing a used car or new model.
What’s the difference between a secured and unsecured car loan?
A secured car loan uses the vehicle as security, which often results in lower interest rates and higher borrowing limits. An unsecured car loan does not require security and may offer more flexibility for older or unique vehicles but can have different rate options. Your finance specialist can compare both based on your budget and the car you plan to buy.
Can I get a car loan for a used car?
Yes. 360 Finance helps customers compare used car loans Australia wide. Lenders offer options for a range of pre-owned vehicles, and you may choose between secured or unsecured structures depending on the car’s age and condition. We can help you compare rates, terms and lenders to find a suitable car loan for used car purchases.
How much can I borrow with a car loan?
Most lenders set minimum loan amounts between $5,000 and $10,000. Your borrowing limit depends on the car’s price and age, the loan type, your income, your existing commitments and your credit profile. Secured loans usually cannot exceed the value of the car. Our team can review your details and outline what you may qualify for.
How long does car loan approval take?
Yes. Some lenders offer options for applicants with little or developing credit history. Your income, stability and repayment habits may also be considered. Our team compares lenders to help you find car finance that suits your situation.
Can I apply for a first time car loan with low credit?
Yes. Some lenders offer options for applicants with little or developing credit history. Your income, stability and repayment habits may also be considered. Our team compares lenders to help you find car finance that suits your situation.
How do I calculate my car loan repayments?
You can estimate your repayments using the 360 Finance Car Loan Calculator, which allows you to test different loan amounts, terms and rates.
We Work with the Most Trusted Aussie Lenders
Our lender network allows us to secure the best rates for you, every time.
See Why Customers Choose 360 Finance Again and Again
"...This is the third consecutive time I have got finance through 360 and once again they didn't disappoint..."
We believe in long-term relationships, not short-term transactions. With access to some of the lowest finance rates in the industry and 360-degree wraparound customer service and support, it's easy to see why customers keep coming back when it's time to upgrade.
Apply today with Australia's trusted online broker since 2007
Not sure how much you can borrow?
Get your quote now. It's fast, easy, and will not impact on your credit score!
What are my repayments?
How much can I borrow?
At today's lowest finance rate of 6.24%, you'll pay approximately...
per week
At today's lowest finance rate of 6.24%, you could borrow up to...
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Dreams Aren't Free, But They Can Be Affordable
"Yass helped me get a loan for my dream car...Very upfront and honest and got everything processed in 3 days."
Make your dreams a reality. At 360 Finance, our team does everything they can to help you secure your dream car quickly and in a way that works for your budget.
Apply today with Australia's trusted online broker since 2007