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

mark rollasonmark rollason
05:02 15 Jul 24
Great help and understanding from Kathy Brain hope you have more employees like her . And if any one needs a loan I'll send them to her. Thank you 😊
WhiptronWhiptron
02:51 15 Jul 24
Had a really great experience with Brock.Was very quick to get loan sorted and he made the process very easy
Gordon BrownGordon Brown
05:50 12 Jul 24
Kathy was absolutely fantastic and so helpful. I would highly recommend with no hesitation .
James DuttonJames Dutton
02:54 12 Jul 24
Wow!!! What a team. Special Praise to Scott though. He made the whole transaction seamless and his empathy towards getting me the best rate was nothing short of exceptional.Give them a go!!! You will not be disappointed.
anne whealinganne whealing
05:01 11 Jul 24
Will was wonderful. Made the process of getting loan easy. Kept myself and seller in the loop. This is my second finance with 360.It took the stress away and made the process simple. It nice to share a laugh with my bean counter also. Thanks again Will!
Eleanora MesinzovaEleanora Mesinzova
00:32 10 Jul 24
From start to finish Kathy has been an absolute super start. Her friendly demeanour, hard working ethic and her above and beyond approach made a first time experience such a positive one. I cannot sing praises for her enough. Kathy made the whole process smooth and easy for me as a first time loan applicant and car buyer. She has a great knowledge of the industry and did not hesitate to answer my questions or reassure me when there was unease. I wish I could give more stars. Thank you so much for all your hard work and efforts, truly,from one appreciative customer.
Fiona ShannonFiona Shannon
02:43 06 Jul 24
This was our second time using 360 finance for a new car purchase. Kathy made it an easy process and kept us updated along the way. She took the time to understand our needs and met our budget requirements. We would definitely recommend 360 Finance!
Margaret WattsMargaret Watts
02:19 05 Jul 24
I was fortunate to have Alex help me, he was fantastic, he was very helpful, and patient, he explained and guided me step by step through the whole process of applying for loan. Alex was approachable,, friendly, and respectful, he was always in contact. I am so very grateful for all that Alex did for me. I would highly recommend him to anyone for his financial advice and experience.
Neville MansonNeville Manson
05:08 03 Apr 24
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.NevillePortland Vic
mark armitagemark armitage
22:34 02 Apr 24
Swift communication, easy online process and very responses service provided by Killian would highly recommended them forAll financial requirements
Elisabeth Fekonia - Permaculture RealfoodElisabeth Fekonia - Permaculture Realfood
05:07 02 Apr 24
Easy to contact and get great service from Brock
M RM R
06:36 31 Mar 24
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 WelshConnor Welsh
21:01 28 Mar 24
William was extremely helpful throughout the whole process
Precision PrecastPrecision Precast
00:11 28 Mar 24
Kathy from 360 Finance has made the experience of getting finance for my truck for my bussiness the most simple and carefree experience i have ever had. she was extremely professional and handled every situation from our first conversation till the very end. I highly recommend her if finance is what u are after.Thank you for all your hard work Kathy
Tracey WatsonTracey Watson
06:08 25 Mar 24
Dealing with William has been an absolute pleasure. He talked me through every single step, making sure I understood completely. As a result, he was able to get me a loan and insurance in just a few short days. I would 100% go back to him in the future. Can’t wait to pick up my new Nissan X-Trail.
Leah HarrisLeah Harris
21:14 22 Mar 24
Ben was so fantastic through the whole process. Just when I thought about giving up on getting a car he made my new car dreams come true!His communication was clear and was available for any questions I had at times that suited me. The process of buying the car was so quick. He settled my car purchase In only a couple of hours.I cannot recommend him enough.
Claudia KargboClaudia Kargbo
07:32 21 Mar 24
Kathy you are amazing 🤩!This was the most smoothest process I have ever gone through. Kathy was attentive and kept updating me through out The whole procedure. I had so much confidence knowing she was looking for the best deal possible for me.360 finance were easy to get in touch with, I didn’t have to wait days for an outcome or stay on hold for hours to talk to finance broker. I would highly recommend 360 Finance if you’re looking for a reliable, fast and genuine finance broker.Thank you so much Kathy and 360 finance.Best service ever 😊
Zoe YearkZoe Yeark
04:42 12 Mar 24
Killian has helped me get out of my old beat up car into my brand new car, he was easy to talk to, communicated with us every step of the way, he made the process easy for us from start to finish. Thank you Killian, I will be definitely recommending you to anyone I know looking for their dream car.
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Calculators and rates

At today's lowest car finance rate of 6.52%
(Comparison rate 7.76%) you'll pay approximately...

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At today's lowest car finance rate of 6.52%
(Comparison rate 7.76%) you can borrow approximately...

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