Easily Compare Personal Car Loans Interest Rates & Options from Many Lenders
The motor vehicle finance sector is vast with many banks, dealers, finance companies and finance brokers providing loan options to buyers of cars for personal use. That means lots of lenders and lots of variations in the types of loans and the interest rates available. Easy Car Finance helps buyers to compare options from many lenders and source the cheapest quotes. As a starting point, buyers can use our comparison table as a calculator to get rough estimates specific to their car purchase.
Comparison Rate: Explainer
When displaying personal ca loan interest rates, lenders are required by law to display and Advertised Rate and a Comparison Rate. The Comparison Rate is the rate applicable to a specific loan example (as detailed adjacent to the rate) based on the advertised rate and when some but not all fees are included.
Loan Product | Interest Rate | Monthly Repayment |
{{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
${{Payment Amount}} Monthly |

When comparing interest rates and loans for personal car finance, buyers should be aware of a few key issues:-
- Lenders typically advertise their best, cheapest achievable rate. Not all applicants will be eligible for that rate. It should be used as a guide.
- The cheapest rates advertised will be for new cars and for people with a good credit rating.
- Interest rates for used car loans and for applicants with a less than good credit rating may expect a higher interest rate loan.
- The interest rate offered will be determined primarily by the details in the application, not the vehicle being purchased.
- The same type of personal car loans can be used for a wide range of vehicles – SUVs, passenger cards, cab chassis, wagons and others.
- Applying for the same loan from multiple lenders in order to find the cheapest quote can impact a person’s credit score negatively. Using the services of Easy Car Finance delivers a cheap car loan quote sourced from across the market with impacting a credit score.
- Under Australian Consumer Finance Law persons must be over the age of 18 to be eligible for consumer loans, including car loans. Those under 18 can contact us for options available including using a Guarantor.
- A driver licence is not essential but ID and other details will be required to apply for car loans.

How to Apply for a Personal Car Loan
Buyers can contact us to request quotes on personal car loans. We’ll need information on income, financial position, employment, residential status and other details. Information on the car being purchased is also required. But if that decision hasn’t been made yet, we can provide quotes for pre-approved car loans based on a loan amount.
Contact Easy by phone or online to request a quote on a personal car loan. We’ll act promptly on your request to provide quick quotes and fast approvals.