Helping Victorians Save On Their Car Loans

At Aussie Car Loans, we help our Melbourne & Victoria based customers save money on their car finance.

Aussie Car Loans is the operating arm of Pty Ltd, an Australian company that has been providing valuable assistance to customers in finding car loans since 2013. Our extensive network of approved lenders allows us to personalise car loan packages that suit your financial situation and lifestyle.

Rest assured, we offer flexible loan terms that cater to your individual requirements, with a range of competitive interest rates from a reputable and wide panel of reputable lenders.

Simple and Easy Car Finance

Aussie Car Loans ensures competitive and low rates for various vehicle loans through a diverse network of lenders. Our finance products range from car finance and classic car finance to secured and unsecured loans, among others.

We proudly serve Melbourne and its neighboring regions, including Geelong, Gippsland, and other areas within regional Victoria. Whether you prefer the convenience of applying online or contacting us directly, we are here to assist you in kickstarting the finance for your next vehicle. Allow us to be your guide on your car financing journey and alleviate the stress associated with it.

The Right Rate

While some competitors will give priority to home loan customers, the car loan customer comes first at Aussie Car Loans.

Try our easy to use car finance calculator to get an idea of what your loan repayments might look like.

Benefits Of Our Car Finance

Interest Rates

Interest Rates

Let us help you get a great interest rate. You may be able to make extra or additional payments to reduce the outstanding balance of your loan

Fast Approvals

Fast Approvals

Apply online for a secured, low rate car loan and get conditionally approved fast.

Simple Online Application

Simple Online Application

It’s quick, easy and mobile friendly so you can complete the application process on any mobile device or your desktop computer.

Tips For Getting A Car Loan In VIC

Determine your budget

Determining your car buying budget does not only include the purchase price of the car, but this should also include other associated costs such as insurance, registration, fuel and maintenance.

Check your credit score

A good credit score can lead to better loan terms and lower interest rates. Review your credit report and work on improving your score if necessary by paying off existing debts and ensuring your credit history is accurate.

Shop around

Don't settle for the first loan offer you receive. Compare offers from multiple lenders, including banks, credit unions, and online lenders, to find the most competitive interest rates and terms.

Obtain a pre-approval

Consider getting pre-approved for a car loan. Pre-approval not only establishes your budget but also demonstrates to sellers that you're a serious buyer.

Down payment and trade-ins

Providing a substantial down payment can reduce the loan amount, potentially lowering your interest rate. If you have a trade-in vehicle, consider using its value as part of your down payment.

Choose a loan term

Choose a loan term that aligns with your budget and financial goals. Shorter loan terms typically have higher monthly payments but lower overall interest costs.

Use a car loan calculator

Online car loan calculators can help you give a rough estimate of your monthly payments and the total cost of the loan.

Understand the fees

Be aware of any application fees, establishment fees, or ongoing fees associated with the loan. These costs can add up, impacting the overall affordability of your loan.

Ready To Apply?

If you think you are ready to begin the application process and get one step closer to obtaining a new vehicle, apply online or call one of our consultants on 1300 889 669.

Brands we work with


Yes, some lenders in Melbourne offer car loans to borrowers with non-traditional income sources, such as freelancers, gig workers, or self-employed individuals. These lenders may consider alternative forms of income verification to assess your loan application.

Some lenders in Melbourne offer specialised car loan products tailored for vintage or classic car purchases. These loans may have unique features, like extended loan terms or flexible appraisal methods.

Yes, many car loans in Melbourne allow you to include additional costs like comprehensive insurance and on-road expenses in the loan amount. This can help simplify your budgeting by combining all expenses into one repayment.

Yes, car loan refinancing is possible in Melbourne, allowing you to transfer your existing car loan to a new vehicle. Refinancing can help you secure better terms or interest rates based on your updated financial situation.

Yes, having a cosigner can strengthen your car loan application in Melbourne, especially if you have a limited credit history or lower income. A cosigner provides additional security for the lender, increasing your chances of loan approval.

Yes, some lenders in Melbourne may offer car loan options specifically designed for recent graduates or students. These loans may have flexible terms and lower initial repayments to accommodate your transitional financial situation.

Yes, car loan terms are often negotiable in Melbourne. It's advisable to compare offers from different lenders and use competitive rates as leverage during negotiations to secure more favorable terms.

Melbourne encourages environmentally friendly transportation, and many lenders offer special incentives and lower interest rates for car loans on EVs or hybrid vehicles.

Questions? We can help.


Call 1300 889 669

Our car loan specialist is here to help guide you. Just give us a call.

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Contact Us

Head to our contact us form if you have an enquiry. We are ready to help!

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