Vehicle Finance

Vehicle Finance

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Car loans which are secured by the car itself are known as a 'Secured Loan'. The interest rate will often vary depending on the age of the car, as new cars are regarded as being better security.

Some lenders have restrictions on the age and/or value of cars that can be financed with a car loan and they are often available only for newer used or new cars.

Those who don't qualify for a car loan may be able to use an unsecured personal loan, though this carries a higher interest rate. Loanstoday can help you organise a secured or unsecured personal loan.

Interest Rate

Vehicle Finance is assessed individually and given a credit score that determines the rate.


Loan repayments are usually split across the life (term) of the loan. You can choose a loan term between 3 and 7 years.


Vehicle Finance loans are secured by the vehicle that you are purchasing.

Other Conditions

Borrower has to be an Australian Citizen with a regular income. ASIC (NCCP) requirements will be applied such as serviceability calculations and verification of income and assets.