Car Loans Perth - Finance Your Next Vehicle
Buying a car in Perth? Our broker network can help you find competitive vehicle finance without the pressure of dealer finance departments. Perth car loan brokers compare options from over 100 lenders to find rates and terms that suit your budget.
Why Use a Car Loan Broker?
Dealer finance is convenient but often not the most competitive option. A broker can:
- Compare rates across multiple lenders before you visit the dealer
- Arrange pre-approval so you can negotiate like a cash buyer
- Find finance for private sales (not just dealerships)
- Access specialist lenders for older vehicles or unique situations
- Explain the tax implications of different structures
Car Loan Types Available
Consumer Car Loans
Standard vehicle finance for personal use. You own the car from settlement, make regular repayments, and the lender holds security over the vehicle until paid off. Terms typically range from 3-7 years.
Chattel Mortgage
Common for business use vehicles. The business owns the vehicle, claims GST on purchase, and may claim depreciation and interest as business expenses. Balloon payments can reduce monthly repayments.
Novated Lease
Salary packaging arrangement where your employer makes lease payments from your pre-tax salary. Can provide tax benefits for eligible employees. Your broker can explain if this suits your situation.
Finance Lease
Business use option where the financier owns the vehicle during the lease term. Monthly payments may be fully tax deductible for business. Common for fleet vehicles.
New vs Used Vehicle Finance
Our brokers can arrange finance for:
- New vehicles - Often the best rates, with terms up to 7 years
- Demo and near-new - Good value with competitive rates
- Used vehicles - Available for cars typically up to 10-12 years old
- Private sales - Finance available, though rates may differ
What Affects Your Car Loan Rate?
Interest rates depend on several factors:
- Your credit history and score
- Income and employment stability
- Loan amount and term
- Age and type of vehicle
- Whether it’s secured or unsecured
- Fixed vs variable rate choice
Perth Car Loan Process
Getting car finance through our network is straightforward:
- Tell us about your vehicle purchase plans
- Get matched with a broker who handles vehicle finance
- Discuss your budget and preferred repayment structure
- Receive pre-approval to shop with confidence
- Finalise when you’ve found your car
Whether you’re in Joondalup, Fremantle, or anywhere in Perth metro, our brokers can arrange vehicle finance that suits your situation.
Get Started with a Car Loan Broker
Tell us about the vehicle you’re looking to finance and we’ll connect you with a Perth broker. No cost, no obligation.
