Finance · Australia
Car Loans Australia — New, Used & Novated
Personal, business chattel mortgage and novated lease finance for cars, with lender comparison.
Why Car Loans with OzyLoans
- Up to 100% finance
- Same-day pre-approval
- New, used, dealer or private
- GST-deductible chattel mortgage
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Lender comparison
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 6.89% | 4–8 wks |
| 2nd-tier bank | 7.19% | 3–6 wks |
| Non-bank | 7.69% | 2–3 wks |
| Private credit | 9.19%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
70+ lenders
Banks, non-banks and private credit on one panel.
Frequently asked
What's better — chattel mortgage or novated lease?+
Chattel mortgage suits ABN holders who want to own the car and claim GST/depreciation. Novated lease suits PAYG employees wanting pre-tax salary packaging.
Can I finance a private sale?+
Yes — most lenders fund private sales with a roadworthy and current registration check.