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.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
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.
Related finance
Ready to explore car loans?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.