Car Loans

Whether you’re buying your first car for personal use or your business operations, we can help you find personalised loan options that will fit your budget and goals. Contact us if you want competitive rates and a hassle-free process!

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Getting a car loan in Sydney

If you’re looking to buy your dream car, getting a car loan is the best way to fund your big purchase, especially if it’s currently out of reach cash-wise.

A car loan is a financial arrangement where a lender provides you with the funds that you agree to pay back over time with interest. In a car loan, the car itself often serves as collateral for the loan, which means if you fail to make payments, the lender has the right to repossess the vehicle.

Typically, car loans are structured with monthly payments and can have fixed or variable interest rates. The loan terms, including the interest rate and duration, can vary based on your creditworthiness, the lender’s policies, and other factors. 

To make sure that you get the most suitable loan for you, speak with our expert brokers and we’ll scour or network to find you the best rates.

How can you benefit from a car loan?

Immediate Ownership

You get to own the car immediately and use it as you need, even though you haven't paid the full price yet.

Flexible Terms

You can use the money however you want and run your business according to your plans, without giving up any ownership or profit to investors.

Credit Building

Successfully managing a car loan by making timely payments can help build or improve your credit score.

How much will it cost you to own a car?

Your owner-occupied home loan repayments

Property type:
Repayment type:

Your estimated repayments:

Principal and interest period
Variable interest rate:
Comparison rate:
Total interest payable:
6.14% p.a.
6.14% p.a.

Things to consider before getting a car loan

As with any loan, there are things that you must consider before getting a car loan. Below are some of it:

Credit Score

Your credit score will affect your loan’s interest rate and terms. Check your credit report for any errors and understand where you stand.

Down Payment

Consider how much you can put down upfront. A larger down payment reduces the loan amount and often improves loan terms.

New vs. Used

Decide if you want a new or used car, as this can affect loan rates and terms.

Additional Costs

Be aware of any additional costs, such as early repayment fees, application fees, or ongoing account-keeping fees.

Insurance and Extras

Some lenders require comprehensive insurance. Also, consider if you need any loan protection insurance, which can cover payments in case of unexpected life events.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

This depends on your personal preferences, budget, and financial goals. New cars tend to have lower interest rates but depreciate faster. Used cars may be cheaper overall but can have higher interest rates and potentially higher maintenance costs.

Typical car loan terms range from 24 to 84 months. The longer the term, the lower your monthly payments, but you'll pay more in interest over time.

Most lenders allow you to pay off your car loan early, but some may charge a prepayment penalty. It's essential to check the terms of your loan agreement.

While not always required, a down payment can reduce your loan amount, potentially qualify you for lower interest rates, and reduce your monthly payments.

Being upside down means you owe more on the loan than the car's current value. This can happen when a car depreciates faster than the loan balance decreases.

A balloon payment is a large payment due at the end of a loan term. Loans with balloon payments usually have lower monthly payments, but you'll need to pay or refinance the balloon amount at the end.

Your credit score influences the interest rate and terms you're offered. A higher score can lead to lower rates, while a lower score may result in higher rates or the need for a co-signer.

Generally, you'll need proof of income, residence, and insurance. You may also need a valid driver's license and your Social Security number. Contact us to know more!

It depends on the individual offer. Dealerships may offer promotional financing rates, while banks might provide more personalized service. Compare offers from both to see which is best for you.