Individual or Consumer Car Loans

At Carloansales we'll teach you how car finance works so that when you sign the loan papers you are fully informed of your obligations and the loan structure meaning you can focus on being excited about your new car purchase. This facility falls under the consumer credit code (UCCC) where the interest rate, commission and other fees are disclosed on the contract. All consumer credit conditions apply to this type of Car Finance. A consumer based Car Loan requires the car to be used as security for the Car Loan contract. This helps generate a lower interest rate because in the unlikely event of non-payment, the car can be 'on sold' by the Financier. Our Car Finance Consultants can organise a Car Loan in Adelaide, Car Loans Sydney, Car Loans Melbourne, Car Loans Perth, Car Loans Gold Coast and if you’d like to repayment guideline please use the Car Loan Calculator available on most pages on this website.

Features and benefits of a Personal Car Loan

You can finance on-road costs, car registration fees and insurance in the loan contract.

  • Low upfront or NO monthly management fees
  • Finance products with NO Payout Penalties
  • On Road Costs - You can finance on-road costs, car registration fees and insurance in the loan contract
  • Loan Term - The term of the loan contract can be between 1 - 7 years (12-84 months)
  • Deposit - You can make a deposit if you wish, the benefit of this is that it will reduce your monthly payments and/or the term of the car loan contract or,
  • Balloon Payments - a lump sum payment at the end of the contract that settles the debt can be arranged for approved customers. This enables customers to pay a lower monthly instalment during the term of the agreement, and then pay a balloon at the end of the term.
  • Direct Debit - Loan repayments will be automatically debited from your nominated business account.
  • Protection - Protect your loan from unforseen circumstances, ask us how.
  • Gap Insurance and Motor Warranties - These important products can be added to your loan repayments.
  • Education - Carloan$ales will teach you about Car Finance
  • Support - Expert staff on hand whenever you require
  • Roadside - Free 12 month, 24 Hour Roadside Assist with your settled loan.
  • Servicing Australia - Our extensive panel of lenders can finance a car for you, whether you are buying Privately, at Auction or through a Dealer. Our finance consultants can organise a Car Loan for you whether you need a Car Loan in Melbourne, need a Car Loan in Sydney, a Car Loan in Brisbane or Car Finance on the Gold Coast, a Car Loan for Perth, as well as Car loans in Adelaide, Hobart, Canberra and Darwin.

Need more Personal Car Loan information?

Fill in the online form below to enquire or if you are ready to be pre-approved, click here and get instantly pre-approved Enquire online and one of our consultants will call you straight back and they will walk you through the different options enabling you to tell us how you would like your loan structured.


  • Amount $ 0
  • Residual: 0 % ($ 0)
  • Interest 0 %
  • Term of lease 1 Year(s)
Monthly Repayment: $0.00

This offer is valid to business use customers borrowing more than $60,000 on New or Demonstrator model cars up to 2 years old.