Car Finance

Looking for really good car loans! 

 

Our car loans can be applied for online using our easy to use and fast application form. We make every effort to get the car loan application approved fast so you can get behind the wheel of your dream car just as fast.

We help people get car loans for personal or business uses. You just need to clarify this with our broker so we can put your application in the hands of the right broker.

Our low-interest loans are competitive and make it easy for you to get approved in the same day. Some applications may need more input from you than others but our finance team is here to help regardless of your application status.

We classify a car loan or personal loan as a lump sum that is given to a borrower by a lender which they can use at their own discretion. These personal loans usually have an amount ranging between $1,000 to as much as $50,000.

A personal loan may be selected to be secured against something of value such as a home or a vehicle, allowing them to take ownership of your chosen asset to recover their losses in case you cannot repay them. However, many people choose an “unsecured” personal loan which basically means they do not have to worry about collateral.

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Competitive Rates

We offer competitive rates on car loans in Perth because we work with you to personalise your loan to your individual, family, or business situation and your budgets capability. Interest rates are set by the banks and financiers and depend on your individual circumstances. We attempt to portray you in the best possible light to a lender by hanving explanations for any issues you may have.

 

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Experienced Brokers

We make sure our brokers evaluate what your budget and available expenditure are. They take into account insurance cover, licensing, fuel and all other expenses when buying a new or used car so you don’t have to.

Personal Car Loan Interest Rates

Unsecured rates can be higher than secured rates. An unsecured loan may enable you to buy an older car or a collectable that may not need secured loan lending conditions.

Unsecured loans can be used for a variety of purposes that give a borrower flexibility to spend on holidays, home renovations, debt consolidation or a variety of other uses.

The higher the credit rating a person has, the higher their borrowing capacity is while having a lower interest rate.

Personal Car Loan Terms

A personal loan comes with a set repayment period that is often stated in months. This can be anywhere from 12 to 84 months. A longer loan term would often lower the monthly repayment.

Our terms vary on your application input and if you are unsure please contact our office for the best advice. The standard terms we provide range from 12 months to 5 years, you can speak to our team if you have a specific need we are only a phone call away.

Free Services

Ask your broker about all the free services we offer such as a free car finder.

Loan Calculator

Our Loan Calculator can provide estimations on your repayments.

Specialist Team

We have a dedicated team of specialists for your assistance.

We’ve Built a Secure and Personalised Experience

What Else Does Loans 123 Offer for Buying Cars?

At Loans 123 we offer a comprehensive service for buying cars to improve the experience you have buying cars:

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Car Buyers Guide

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Loan Calculator

Our Loan Calculator can provide estimations on your repayments.

 

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Free Services

Ask your broker about all the free services we offer such as a free car finder.

 

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Car Insurance

We provide a range of car insurance information and competitive insurance premiums.

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Financing Options

We have lots of car financing options such as chattel mortgages, consumer loans, etc.

 

Where Do You Go? Go Loans 123 Perth’s Trusted Leader in Finance

We have such a large range of car loans available us so we have the luxury of making sure you get the loan that perfectly suits or situation, how much you want to borrow, or what type of vehicle you want. Start crafting your loan online today, no appointments needed.

We use competitive interest rates for your user or new car loan to make your loans better.

 

The Car You Want Today. Apply Now!

See how we’ve made the process of applying for a loan online easier. See our online Loan Calculator and apply today!

With affordable payment terms and our streamlined application, getting a loan with Loans 123 is as easy as one two three.

Call us on 1800 100 100 or Apply online to start determining your financing options and discussing your loan.

Frequently Asked Questions

How old must I be to apply for a loan?

You must be at least 18 years old to apply for a loan.

Can I get pre-approval on a loan application?

Yes, if you receive pre-approval on your loan it is valid for 30 days.

Do I need to have a deposit ready when I'm applying?

Often no. A deposit may be required depending on previous credit history or the value of the goods being financed.

What is a credit rating?

Banks and other financiers will use a credit score to help determine whether they will lend you money. Your credit score is partly determined by your stability (how long you have been at your address and employment). Defaults, court writs and summons also have a negative impact on your rating. The number of enquiries you make will also impact your credit score. The more enquiries over 12 month period can lower your score.

Loans 123 Car Finance Loans

We have such a large range of car loans available us so we have the luxury of making sure you get the loan that perfectly suits or situation, how much you want to borrow, or what type of vehicle you want. Start crafting your loan online today, no appointments needed.

 

We use competitive interest rates for your user or new car loan to make your loans better.

 

All applications are subject to credit approval criteria. Fees, charges, terms and conditions apply.