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Let us find you a low rate, flexible car loan today.

Since 2007, we’ve been helping customers find their best rate car finance to purchase their next car. We do this by accessing some of the lowest car finance rates (or car loan interest rates) from our panel of 20+ Australian bank and non-bank lenders.  Whether you are looking to purchase your first car, upgrade to a family SUV, or trade up to a grunty 4×4, we can find you a cheap car loan and personalised car loan rates to help you get on the road sooner.  Our finance specialists can help structure finance to suit your needs and answer all your questions about loan types such as a secured car loan or unsecured car loan.

  • Low total cost of loan and low repayments
  • No deposit loans available
  • Tax effective business car 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 Car 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 Commercial or Business Car Loan is used for the specific purpose of purchasing a vehicle or fleet of vehicles for business. Commercial loans can 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. A Business Car Loan is a great option for any sized business with flexible repayment terms to suit business cashflow or accounting structures.

Learn more about our Business Car Finance solutions or speak to one of our Commercial Finance Specialists to discuss the options available.

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 180 dealership 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.

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

At today's lowest car finance rate of 3.45%
(Comparison rate 4.65%) you'll pay approximately...

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At today's lowest car finance rate of 3.45%
(Comparison rate 4.65%) you can borrow approximately...


Protect against the unexpected

SAVE UP TO 20% OFFInsurances and Warranty
What are the benefits a car loan?

One of the major benefits of a car loan is the ability to purchase a car immediately and pay it off over time. This is particularly important if you need a car for work, personal or family commitments.

A car loan can allows you to purchase a vehicle make, model or type that you may otherwise not be able to afford with just your savings alone.

Like any lending product, if you correctly manage your loan and repay it on time – consistently, it can have a positive impact lending money in the future.

A car loan may also assist in building up a positive Credit Profile and Credit Score. Maintaining a good Credit Profile, can be of great benefit when it comes to purchasing other assets such as a home, caravan, equipment or even a holiday.

How do car loans work?

A car loan is a type of personal loan for the specific purpose of buying a new or used vehicle including sedans, SUV’s, utes and even sportscars (often referred to as a “secured loan”).

When you take out a car loan, you borrow an agreed amount of money (loan amount) from a financier (lender) for a set period of time (loan term) that you agree to repay in weekly, fortnightly or monthly repayments.

Loan repayments are calculated based on paying back the amount borrowed, interest on the loan and any fees charged. The interest rate you pay is largely determined by the lender based on a number of factors including the age and value of the car you are seeking to buy, the lenders criteria; and your credit profile/credit score.

Car Finance is generally available as either a secured loan or an unsecured loan. This will depend on if you agree to use the car you are buying as security on the loan, which is the usual arrangement.

If you do put your car up as security on the loan, it reduces the risk to the lender in the event you are unable to meet your repayments or financial commitments of the loan. This reduced risk to the lender often means they can offer a lower interest rate or more favourable terms.

Generally, a secured loan is only available up to the value of the car. An unsecured car loan however, does not use an asset (ie car) as security, and therefore the risk to the lender is greater and the interest rate often higher.

What are the minimum or maximum I can borrow with a car loan?

There is no ‘set-in-stone’ limit for how much you can borrow with a car loan. Each financier (or lender) has different minimum and maximum loan amounts, but mostly the limit is determined on a case-by-case basis depending on your choice of car, type of loan and your financial circumstances.

As a general guide, many Australian lenders have a minimum borrowing amount of $5,000 or $10,000.

In some cases, you may not be able to borrow the full amount of the vehicles purchase price, but will be required to provide a portion of the car price via a deposit (or down payment). For Secured Loans, you generally cannot borrow more than the total value of the asset used as security on the loan.

How do I take out a car loan?

The first stage of the car loan process is to find out how much you can borrow, what you can afford and if this provides the funds your need to purchase your ideal car. An online Car Loan Calculator can give you a quick idea of what loan repayments might be or how much you may be able to borrow based on your weekly budget.

The next step is to contact a finance specialist who will quickly assess your basic information and financial circumstances before arranging finance pre-approval on your behalf.

Once you are happy with the proposed loan structure (term, amount, interest rate etc) your application will be submitted to the selected leader for Settlement of the Loan. When the loan ‘Settles’ the money will be transferred to the vehicle seller (private or dealership) and the car is yours!

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

Useful articles

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