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 20 leading Australian bank and non-bank lenders.

  • Low total cost low 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
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.

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.

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.

We have access to some of the lowest industry rates allowing us to be highly competitive and find your best rate finance solution.
We do the running around for you in comparing finance options and rates from over 20 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.

At today's lowest car finance rate of 4.19%
(Comparison rate 5.09%) you'll pay approximately...

$ per *

At today's lowest car finance rate of 4.19%
(Comparison rate 5.09%) you can borrow approximately...


Protect against the unexpected

SAVE UP TO 20% OFFWarranty and Insurances

Our customers & people

"Excellent service. Ian from 360 Finance was great to deal with and we were kept in the loop at all times. No problem recommending 360 to anyone."
Gary M, Brogo, NSW
"One word - Excellence! Big thanks to Leanne for her outstanding effort in helping me get my new car. She went out of her way to answer all my silly questions in easy Laymens terms!"
Warren H, Queensland
"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

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