Australia's Easiest Way to Get a Car Loan
Find the best car loan interest rates effortlessly by engaging Easy Car Finance. We source competitive rates quickly by connecting borrowers with the lender best suited to their requirements.
Fast Loan Approvals
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Compare and Get the Best Car Loan Interest Rate
Interest rates are significant when it comes to the total cost of your car loan. Rates influence your monthly repayments and the amount you pay overall. By using our loan specialists to compare rates from a wide number of lenders, you can feel confident you are securing the most competitive deal for your situation.
Lenders assess a range of factors to determine your interest rates – loan terms, credit score, loan amount, and more. The type of vehicle and your overall credit history may also be considered.
By understanding the factors that influence your credit score, you can secure a loan that best aligns with your budget and long-term financial objectives. Our team of expert brokers will guide you through the process to ensure you drive away with a car loan suitable to your business needs.
Secured and Unsecured Loan Interest Rates
For many buyers purchasing vehicles for private use, our secured loan products are the most popular option. With the vehicle used as collateral for the loan, lower rates are available. The format for secured funding is easy to understand with fixed rates, fixed terms, and equal monthly repayments. Request a quote or apply today and secure the best rate for your situation.
Some lenders may not accept some used vehicles as suitable collateral for secured funding. In this instance, our unsecured car loans are available. Under this type of loan, interest rates are typically higher due to the absence of collateral. With our capabilities and experience, this is no obstacle. We can still provide you with a highly attractive rate. With Easy, each application is handled and quoted individually. Give us a call or connect with us online to acquire the best offer available.
Best fixed interest rates
Fixed terms, fixed monthly repayments
New and many used vehicles
Car Loan Interest Rates by Credit Score
Credit scores measure a borrower’s ability to manage debt. The higher a score, the more responsible you appear to lenders. Borrowers with good credit scores are considered low risk, while borrowers with poor credit ratings are considered higher risk. Excellent scores typically receive the lowest rates, while below average scores face higher costs or rejection.
Lenders used credit scores to assess risk. To improve your score, pay bills on time, reduce debts, and limit credit applications. By checking your credit report regularly, you can quickly catch any errors. Receive a free copy of your credit report every three months, or view your credit report online through the Federal Government MoneySmart website.
Different reporting agencies have varying definitions of what scores constitute a ‘good’ credit rating. The table below demonstrates the scores considered excellent, very good, good, average and below average by the reporting agencies in Australia.
What Will Your Car Loan Interest Rate Be Based On?
No impact on credit score
Australia’s Easiest Car Finance
The easier way to source affordable, cost-effective and cheaper car loans and business vehicle finance!
Fast Loan Approvals
Low-Rate Car Finance