Australia's Smartest Way to
Finance Your Car
Broker360 compares car loans from 40+ Australian lenders in a single application, no credit score impact, no broker fees, and a real licensed expert in your corner from start to settlement.
- Rates from 5.49% p.a., new cars, EVs, refinance & bad credit
- One soft enquiry only, zero impact on your credit score
- Same-day pre-approval letters for dealer negotiations
- 100% free service, paid by lenders after settlement
- No credit impact
- No obligation
- 4.9/5 Google
- 400+ Australians helped
Why Us Broker360?
Stop Accepting the First Rate You're Offered
Dealership finance is designed for their margin, not yours. Broker360 shops 40+ lenders at once, and finds the rate your profile actually deserves.
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40+ Lenders, One Application
We submit once and match you to the lender most likely to approve you at the lowest rate, no shotgun credit applications damaging your score.
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We Work for You, Not the Bank
Our legal obligation is to you, to find a loan that suits your needs, not the lender's margin.
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Full Transparency Before You Sign
You'll see the comparison rate, all fees, and total repayable before committing. No surprises, no pressure.
Who We Help
Most Australians qualify.
Find out in minutes.
Whether you have perfect credit or a complicated history, we've helped thousands of borrowers get approved, often the same day.
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40+Lenders compared to find your best rate
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2 hrsAverage time from application to pre-approval
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4.9★Ratings on Google
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0 feeNo broker fee, we're paid by the lender, not you
You're likely eligible
Most applicants qualify. We work with lenders for every situation, including bad credit and self-employed.
- Australian citizen or permanent resident
- Any credit history, including defaults
- PAYG, self-employed, or Centrelink income
- New, used, EV, or refinancing existing loan
- 18+ years old
- No vehicle chosen yet, pre-approval first
Get pre-approved today.
No obligation, no impact on your credit score.
Takes under 3 minutes. A dedicated broker will call you within the hour to confirm your options and lock in your rate.
Secure & confidential, simple steps, better approvals
What We Finance + Every Situation Covered
Find the loan that fits
your situation.
New vehicles attract the lowest rates on the market. We can issue pre-approval before you step into a dealership, so you're negotiating on price, not scrambling for finance.
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New Car Loans
From 5.99% p.a. · Comp. 6.41%*The lowest rates on the market, reserved for new vehicles, where factory warranty and full value give lenders maximum confidence.
- Terms 1–7 years, borrow $5K–$130K+
- Pre-approval before you step into a dealer
- Removes the dealer's financing leverage
Best for: First-time buyers and anyone who wants to walk into a dealership with financing already locked.Get New Car Rate -
Used Car Loans
From 6.49% p.a. · Comp. 6.94%*Dealer or private sale, both fully supported. Most lenders on our panel accept vehicles up to 20 years old at commencement.
- Dealer and private sale both covered
- Vehicles up to 20 years old accepted
- PPSR check arranged, buy with confidence
Best for: Buyers purchasing second-hand from a car yard, private seller, or platforms like Carsales.Get Used Car Rate -
EV & Green Car Loans
From 5.49% p.a. · Comp. 5.89%*The market's lowest rates, plus FBT exemption guidance. We make sure you claim every government incentive you're entitled to.
- New and used EVs & PHEVs both eligible
- FBT novated lease for salaried employees
- All brands, Tesla, BYD, Hyundai, Kia & more
Best for: EV buyers who want to stack the government FBT exemption with the lowest available interest rate.Get EV Finance Rate -
Popular
Refinance Your Loan
From 5.99% p.a., cut repayments todayDealer finance almost always has a margin built in. Refinancing switches you to a competitive rate, most clients save $100–$280/month.
- Free savings calculation before you commit
- Break-even analysis, exit fees vs. total savings
- Access equity if vehicle value exceeds balance
Best for: Anyone who took dealer or bank finance 12+ months ago and hasn't reviewed the rate since.Check My Savings, Free -
Bad Credit Car Loans
From 9.99% p.a. · specialist lendersA poor credit score isn't an automatic rejection. Specialist lenders assess your full picture, income, stability, deposit, not just the number.
- Defaults, judgements & Part 9, all considered
- Discharged bankruptcy (typically 2+ years post-discharge)
- No credit history, thin file borrowers welcome
Best for: Borrowers who've been rejected by a bank, or are worried their history will stop them. Don't self-reject, check first.Check If I Qualify, Free -
Business & Commercial
Chattel mortgage · CHP · Novated leaseBusiness finance structures unlock GST claims, depreciation, and pre-tax salary packaging, depending on your structure and use case.
- Chattel mortgage, claim GST & depreciation upfront
- Novated lease, salary-package with pre-tax dollars
- ABN & alt-doc applications accepted
Best for: Sole traders, small businesses, and salaried employees wanting to salary-package a vehicle.Discuss Business Finance
*Comparison rates based on a $30,000 secured loan over 5 years. Indicative only — your rate depends on credit profile, loan amount, and lender assessment. Fees and charges may apply.
The Process
From Enquiry to Keys in Hand
Here's exactly what happens when you work with Broker360, no surprises, no pressure, no hidden steps.
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Tell Us What You Need, 60 Seconds
Loan amount, vehicle type, and employment. No detailed paperwork yet. Soft enquiry only, zero impact on your credit score.
60 seconds online or call 08 6722 8806 -
Your Broker Calls Within the Hour
A dedicated, licensed credit representative reviews your situation and identifies which lenders suit your profile best, before anything is submitted.
Within 1 business hour -
We Submit to the Right Lenders, Not All of Them
We strategically select the 1–3 lenders most likely to approve you at the best rate. No shotgun applications, no unnecessary hard enquiries on your file.
Strategic, not scattergun -
You See Everything Before You Decide
Comparison rate, monthly repayments, all fees, total repayable, in plain English. You choose. If none suit you, there's zero obligation to proceed.
Your decision, always -
We Handle Settlement, You Just Drive Away
Broker360 manages everything between lender and dealer. Most settlements complete within 24–72 hours of formal approval.
Keys in hand, usually 24–72 hrs
Your True Rate, Not Just the Headline
We always present the comparison rate, which includes all standard fees. The headline rate alone is incomplete. You'll never see one without the other from us.
Every Fee, Itemised Upfront
Establishment fee, any monthly account fee, and early repayment conditions, all disclosed before you sign. The total repayable figure is always on the table.
No Obligation Until You Say Yes
Getting assessed and receiving offers costs you nothing and commits you to nothing. Walk away at any point, no fees, no pressure, no follow-up calls you didn't ask for.
Ready to see your rate?
- Takes 60 seconds to enquire
- No credit impact until you choose to proceed
- 100% free, no broker fees, ever
Know Your Options
Secured or unsecured -
which loan is yours?
95% of car buyers use a secured loan. But knowing the difference takes 60 seconds - and confirms you're on the right path.
Most common · recommended
Secured Car Loan
The vehicle acts as collateral - giving lenders confidence and giving you lower rates.
Niche use cases
Unsecured Personal Loan
No vehicle security required - but you'll pay more for that flexibility.
| Secured Loan | Unsecured Loan | |
|---|---|---|
| Typical rate range | 5.49% – 14.99% p.a. | 7.00% - 22.99% p.a. |
| Maximum loan amount | $130,000+ | Up to $50,000 |
| Maximum loan term | 7 years | 7 years |
| Vehicle age limit | Up to 20 years | Any age |
| Credit score required | Good to Excellent | Very Good to Excellent |
| Vehicle as collateral | Yes | No |
Not sure which one fits your situation?
Tell us about your vehicle and we'll confirm the right product - usually in one short call. No obligation.
Rate Intelligence
Car Loan Interest Rates in Australia - The Full Picture
Rates vary significantly by loan type, credit profile, and lender. Here's where different borrower profiles typically land - and what we do to get you the best.
| Loan Type | Rate From | Comp. Rate* | Term |
|---|---|---|---|
| New Car — Excellent Credit | 5.99% | 6.41% | 1–7 yrs |
| Used Car — Good Credit | 6.49% | 6.94% | 1–7 yrs |
| Electric Vehicle (EV/PHEV) | 5.49% | 5.89% | 1–7 yrs |
| Self-Employed — Alt Doc | 7.49% | 7.98% | 1–5 yrs |
| Fair Credit — Some Issues | 9.99% | 10.54% | 1–5 yrs |
| Bad Credit — Past Default | 12.99% | 13.72% | 1–4 yrs |
| Dealer Finance (typical) | 12–16% | — | 1–7 yrs |
*Comparison rates based on $30,000 secured loan over 5 years. Indicative and subject to change.
Credit Score
Your Equifax or Experian score is the primary factor. Scores above 700 access the best rates; below 500 requires specialist lenders on our panel.
Vehicle Type & Age
New vehicles attract lower rates. Older vehicles (10+ years) may attract higher rates as their security value depreciates faster.
Employment & Income
Stable full-time employment gets the best rates. Self-employed and casual workers pay slightly more due to income variability.
Loan Term & Amount
Shorter terms often attract lower rates. Very small loans (under $10k) can carry higher rates due to fixed lender processing costs.
Deposit Amount
A larger deposit reduces the loan-to-value ratio, reducing lender risk and often unlocking better rates and higher approval chances.
Broker360 advantage: We know which lenders price well for specific profiles. The best lender for an excellent-credit PAYG employee may not be best for a self-employed borrower. We match you precisely — not just to the lowest advertised rate.
Transparent Comparison
Why use a broker when you
could just go direct?
Fair question. Here's the honest answer - we'll let the comparison speak for itself.
The only real advantage of going direct is full self-service. If that's important to you, a bank or comparison site works fine. But if you want the widest lender choice, the lowest rate for your profile, and zero legwork - a broker costs you nothing and typically saves thousands. That's why most informed buyers use one.
One application.
40+ lenders. Zero broker fee.
Takes under 3 minutes. Your broker calls within the hour with your options locked in.
Soft check only - no credit score impact
Common Questions
Car Loan FAQs, Answered in Plain English
Get in Touch
Get Your Free Rate
Comparison Today
No obligation, no credit impact, no broker fees. Fill in the form and a licensed Broker360 credit representative will contact you within 1 business hour.
Compare My Car Loan Rate
Takes 60 seconds · No credit check · Real broker follows up