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Personal Car Loans

Rates from 6.99% p.a. Comparison Rate from 7.63% p.a.

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Why Choose Natloans?

Whether you’re after the latest model or a pre-loved gem, Natloans can help you access the finance you need with options designed for every type of driver. With our broad lender network, you can feel confident that you’re getting the right loan for your situation.

Ready to find the perfect car loan? Talk to our team today and drive away with confidence!

Personal Car Loan Options to Suit Every Driver

At Natloans, we believe that no two drivers are the same and neither are their financing needs. That’s why we offer a variety of personal car loan options to suit all types of customers, from first-time car buyers to seasoned drivers upgrading their vehicles.

Step 1

Pre Qualify

Answer a few quick questions

Pre-Qualify

Step 2

We Compare and You Select

Review your loan options side by side Compare

Step 3

Get Approved

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A Wide Range of Lenders to Choose From

One of the greatest benefits of choosing Natloans is access to an extensive network of reputable lenders.

This broad range allows us to:

We Compare Their Rates for You

We provide flexible solutions and competitive rates by partnering with a diverse range of banks and non-bank lenders. Our Car Lenders
Commercial
Consumer

Loan Types Offered for Personal Car Loans

At Natloans, we offer a variety of personal car loan options to cater to the diverse needs of our customers.

Each loan type is designed to provide flexibility and affordability, ensuring you can find a solution that works for you.

Here are the key loan types available:

Secured Car Loans

How It Works:

The vehicle you purchase acts as collateral for the loan, reducing the lender’s risk.

Key Benefits:

Unsecured Car Loans

How It Works:

No collateral is required, making this option suitable for borrowers who prefer flexibility or are purchasing older vehicles.

Key Benefits:

Fixed Rate Car Loans

How It Works:

The interest rate remains constant throughout the loan term.

Key Benefits:

Variable Rate Car Loans

How It Works:

The interest rate fluctuates based on market conditions.

Key Benefits:

Balloon Payment Loans

How It Works:

A portion of the loan amount is deferred to the end of the term, reducing monthly repayments.

Key Benefits:

Low-Doc Car Loans

How It Works:

Designed for self-employed individuals or small business owners with limited documentation.

Key Benefits:

No-Deposit Car Loans

How It Works:

Allows you to finance the entire purchase price of the car without an upfront deposit.

Key Benefits:

What Are My Repayments?

Calculate your repayments with our Car Loan Calculator

Ready For The Next Step?

Compare Our Personal Car Loans.

Rates from 6.99% p.a. Comparison Rate 7.63% p.a.

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New vs Used Car Purchases: Pros and Cons

When considering a personal car loan, one key decision is whether to purchase a new or used car. Each option offers unique benefits and drawbacks, and understanding these can help you make an informed choice that suits your budget and lifestyle.

Benefits of Buying a New Car

Drawbacks of Buying a New Car

Benefits of Buying a Used Car

Drawbacks of Buying a Used Car

Frequently Asked Questions

What is a personal car loan? A personal car loan is a financing option that allows you to borrow money to purchase a new or used vehicle. The loan can be secured against the car (secured loan) or not tied to any collateral (unsecured loan). What types of cars can I finance with a personal car loan? You can finance both new and used vehicles with a personal car loan. The eligibility may vary depending on the car’s age, condition, and the type of loan you choose. Speak to our team to explore options for your specific vehicle. What’s the difference between secured and unsecured car loans?

Secured loans: Use the car as collateral, generally offering lower interest rates.

Unsecured loans: Do not require collateral but may have higher interest rates. They are suitable for older vehicles or other purposes related to the car purchase.

Can I get a car loan if I have bad credit? Yes, Natloans works with a wide range of lenders, including those offering loans to customers with bad credit. While the interest rates might be higher, we’ll help you find the most competitive option for your circumstances. What is a balloon payment? A balloon payment is a lump sum due at the end of the loan term. It allows you to lower your monthly repayments during the loan but requires a larger final payment. This can be refinanced or paid in full when the loan ends. How much can I borrow with a personal car loan? The amount you can borrow depends on your income, credit history, and the type of loan. Speak to our team to determine your borrowing capacity. Can I make extra repayments on my car loan?

This depends on the type of loan you choose:

Fixed-rate loans: May have restrictions or fees for extra repayments.

Variable-rate loans: Typically allow additional payments without penalties.

How long is the term for a personal car loan? Car loan terms usually range from 1 to 7 years. Choosing a longer term reduces monthly repayments but may increase the total interest paid. What documentation do I need to apply?

While requirements vary by lender, you’ll generally need:

  1. Proof of identity (e.g., driver’s license or passport)
  2. Proof of income (e.g., payslips or bank statements)
  3. Details about the vehicle (if already chosen)

If you’re self-employed, low-doc loans may be available with minimal documentation.

Can I get a car loan without a deposit? Yes, Natloans offers no-deposit car loan options. These allow you to finance the full cost of the car without needing an upfront payment. How do I apply for a personal car loan with Natloans? Applying is simple! Contact our team, and we’ll guide you through the process, from comparing lenders to securing the best loan option for your needs. https://www.natloans.com.au

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1300 955 791

info@natloans.com.au

0419 348 152

7/296 Bay Rd

Cheltenham VIC 3192

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Natloans is part of the Natloans group of companies, proudly owned by Natloans Holdings Pty Ltd. All services delivered under the Natloans brand are provided by licensed entities within our group — and we’ll always confirm the relevant entity in your documentation for complete transparency.

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