Guide to Australian Banks and Loans

There are hundreds of car loan providers in the Australian marketplace jostling for your vehicle finance business. This enormous list of Australian banks and financial institutions can be overwhelming for even the most informed car buyer, with each one offering their own variations on the range of car loans available for individuals and businesses.

The money you set aside for a car loan is valuable to you, and as such you want to make sure the car loan you commit to ticks all the right boxes for your particular set of circumstances.

Our Australian car loans guide attempts to cut through the vast array of information out there, and break down exactly what is offered by a wide range of lenders, from Australia’s biggest banks to some of the newest players in the market. By reading through the bank profiles below, you’ll have a better understanding of what each Australian loan product offers and the variations you will encounter in the wider car loan marketplace.

Australian Car Loans

In each of the bank profiles we’ve created, we dissect the car loan options so you understand what they offer and how it will affect your ability to repay the loan. Knowing each of these factors, and any others they may include in their car loan products, you will be able to make an informed decision about which vehicle finance provider you may want to go with. We even highlight their community programs and initiatives so you can factor their contribution to society in your final decision if you so choose.

By reading through our individual guides, you’ll have a better understanding of how each lender calculates the following factors into their products:

  • Fixed vs variable vs comparison interest rates
  • Secured vs unsecured loans
  • Car loans vs personal loans for individuals
  • Chattel mortgage vs finance lease vs hire purchase vs novated lease for businesses
  • Loan terms
  • Repayment options
  • Establishment and ongoing fees
  • Balloon payments
  • Terms and conditions including age of the car and where you want to buy the car from
  • Eligibility criteria including age restrictions, credit ratings, employment status and income

Our car loan guides help to answer many of the questions you will have when searching for the right car loan for you. You’ll have a better understanding of your borrowing power, periodical repayment commitments and other car loan features that may benefit you in some way such as tax breaks for business owners.

Australian Banks

We have formed relationships over many years with a wide range of Australian car loan providers. As such we have intimate knowledge of the car loan products they offer, and the best deals available at any particular moment in time. However, we do encourage you to familiarise yourself with the various options available to you. That way we can work together to get you the deal that you feel most comfortable with, from both a financial and personal point of view.

By clicking on the bank logo below, you can read about what each bank offers for individuals and businesses, how they structure their various car loan options, and how that will impact on your way of life should you successfully apply for Australian loans.

If you would like us to do the leg work for you, review all offers and present you with the best options simply call us on 1300 722 210 or complete our quick quote request form.

Positive Lending Solutions

We work with many of Australia’s biggest and most reputable banks and financial institutions to ensure you receive the best car loan deal possible for your current set of circumstances. Every month we help thousands of Australians get the best car deals available, whether it’s for their own personal use, or for commercial purposes.

The car loan process can be long and tedious for someone doing it on their own, but our car loan brokers will take care of almost every step required. For a look at the process involved in securing a car loan from the moment you make the decision that you need a new car, to the moment you actually own it, check out our Step By Step Positive Process timeline.

By partnering with Positive Lending Solutions, we can take a lot of the guesswork out of searching for the right car loan, and increase the chances of the securing a successful result. Generally speaking you’ll have an answer and (if successful) be driving around in your new car within 24 hours from the first moment you speak with one of our car loan brokers.

Car Loan Guide

ANZ

ANZ

ANZ has been in operation in Australian since 1835, with its first branch opening in Sydney followed by Melbourne three years later. It has sinc...

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Capital Finance

Capital Finance

Founded in 1995, Capital Finance Australia is Australia’s fastest growing finance company, offering financial assistance to companies and individuals...

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Commonwealth Bank CBA

Commonwealth Bank

As Australia’s biggest retail banking provider, the Commonwealth Bank has a suite of car loan products for both individuals and businesses. Their...

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Esanda

Esanda

Esanda is one of Australia’s largest car finance providers with over 50 years of experience and 400 loan approvals every day. Esanda is currently a...

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Ge Money

Ge Money

GE Money is a financial institution that operates in Australia and New Zealand, with over 4,000 staff and 3.1 million customers, offering a range...

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Liberty Financial

Liberty Financial

Founded in 1997, in less than 20 years Liberty Finance has loaned over $12 billion to more than 140,000 people. They are a large player in the car loa...

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Macquarie Leasing

Macquarie Leasing

Since 1969, the Macquarie Group has grown into a worldwide financial institution with offices in 28 countries offering a wide range of services. These...

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Money3

Money3

A new player on the market, Money3 has been providing personal and car loans since 2000. Specialising in small loans from $2000 - $35,000, Money3 offe...

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NAB

Nab

As one of Australia’s Big Four banks, National Australia Bank (NAB) is a juggernaut in the Australian financial landscape. NAB has over 42,00 empl...

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Pepper Finance

Pepper Money

Pepper Money has been in the Australian marketplace since 2001, initially providing residential home loans. Since being taken over in 2010 by a grou...

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RACQ

RACQ

The RACQ was formed in 1905 to represent Queensland motorists at government, industry and community levels. In its 110+ year history they have gro...

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RACV

RACV

Formed in 1903 to support motor vehicles and their owners in Victoria, the RACV now has 29,000 Club members and over two million regular members, offe...

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St George

St George

St George was founded in 1937 as a building society before achieving full banking status in 1992. St George Bank became part of the Westpac group...

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Westpac

Westpac

Westpac is Australia’s oldest bank having opened its doors for the first time in 1817. It has since grown into one of the country’s much vaunted B...

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Yamaha Finance

Yamaha Finance

Yamaha has been supplying and selling motor vehicles such as motorbikes and boats in Australia for nearly 50 years. The Yamaha Motor Finance Compa...

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