Car Loans

Positive Lending Solutions has been helping people get the right car loan for over 35 years.

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Quick Quote

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Our average customer saves 17% on a car loan

  • Easy application process
  • Fast responses so you can buy your car immediately
  • The best access to low interest loans
  • Incredible success rate, regardless of credit history
  • Dealer or private cars, new or used, the choice is yours
  • Your happiness is our goal, not the banks or lenders

We will be with you from go to whoa! Finding the right car, getting finance approval, and sorting out your insurance…we’ve got it covered.

Questions? Call 1300 722 210 and we’ll help make your car loan dreams a reality.

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car loan calculator

Car Loan Calculator

Want to know what your repayments might be before applying for finance? Use our car finance calculator. Don’t forget, we have access to car finance rates from as low as 4.6%!

Amount

Term

Age of Vehicle

$

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Please note: These repayments are an estimate only, and are based on the accuracy of information provided. It does not constitute a quote. Actual loan repayments may vary based on your personal circumstances, for an exact repayment calculation we recommend completing a quote request.

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3 Minute Car Loan Application

Time to apply for a car loan? Call us on 1300 722 210, or fill out our simple quick quote form at the top of this page. It only takes a couple of minutes and you’re done!

Apply for your car loan on the bus to work, Have an answer by the time you go home! All you need is your phone.

Start Application

Car Finance

With over 35 years experience helping thousands of people buy or lease cars, our car finance experts are just a phone call away from helping you get the car you want.

Car Finance

Chattel Mortgage

A Chattel Mortgage is a commercial finance product where the customer takes ownership of the vehicle (chattel) at the time of purchase.

Chattel Mortgages

Novated Lease

If you're an employee of a business or company, then novated leasing may be a good option to get the car you need. A Novated Lease gives peace of mind as it allows you to include the running costs of the vehicle into the agreement.

Novated Leasing

Low Doc Car Loans

Are you a business owner? Self-employed? Maybe your employment situation means your income fluctuates, or you’ve been unable to submit tax returns for valid reasons?

Low Doc Car Loans

Refinance Car Loan

Car refinancing make a lot of sense, and could save you thousands of dollars over the life of the loan in unnecessary repayments. But how do you know if a car refinance loan is right for you? Ask yourself these questions, and if you say yes to any of them, if it could be advantageous to give us a call.

Car Refinancing

Bad Credit Car Loans

If you’ve got a bad credit history and are worried you won’t be able to get a loan, we’re here to help. We’ve secured bad credit loans for thousands of people, and our success rate is second to none.

Bad Credit Car Loans

Any Questions?

Still unsure which car loan is right for you? Call one of our experts on 1300 722 210. Or if you’re ready to go and you prefer to do it yourself, fill out our simple online application form. It takes just a few minutes!

Curious about some of our lenders? Check out our lender profile on RACQ

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What Our Finance Clients Say

Positive experiences
from real people.

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poor or bad credit

Have poor or bad credit? We're still able to help.

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low doc car loans

Self Employed or Run a business? We've got commercial options as well.

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compare car loans

Want to compare your car loan options?

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We make finance a Positive experience

Why are Positive car loans easy loans?

All you need is your mobile phone to apply for an easy loan.

Positive easy car loans
Positive car loans anytime, anywhere

Anywhere, Anytime

You can apply for a car loan through Positive Lending Solutions from anywhere in Australia, at a time that suits you. This means you don't have to worry about making time for a telephone call if you're busy during the day.

Talk to us about Positive car loans your way

Talk to us your way

Get in touch with us online, through email or SMS - it's 100% in your hands to choose how you'd like to communicate with us. If you do want to chat over the phone about your car loan options, just tell us the best time to call and we'll call you when it suits you. We can call you after you finish work to plan your new car loan and help you through the application process.

Positive car loans research in your time

Research in your time

When you're doing your research for an easy loan, you want to get a personal quote without having to wait for someone to call you, so you can decide immediately if the repayments suit you. Try our online quote tool to find out what you might be able to get right now.

Decide your Positve car loan terms

You decide your loan terms

You can adjust the loan term and loan amount to find repayments that you are happy with. If you like the quote you get, you can start a easy application right away using the online form. Don't worry if you can't complete the form in one sitting, you can come back to finish it, or send docs through by SMS to one of our customer service staff at a later time.

Positive help any time you need

There’s a helping hand
any time you need.

The important thing is that when applying for a car loan is so easy, you can get the ball rolling right away. If you run into any hurdles, our staff our here to help you through, and to answer any questions that you have about the loan process. In just a few steps, your easy loan application will be approved, and you'll be in your new car in no time!

Secured Car Loans Explained

Most car loans are secured car loans, but you can get an unsecured loan too.

Positive secured car loan

What is a 'secured' car loan?

A secured car loan is where the lender takes 'security' by registering your car loan on the Personal Property Security Register (PPSR), a national online noticeboard that shows who has an interest in valuable personal property items.

Advantages of secured car loans

Advantages of secured car loans

The key advantage to getting a secured car loan is that you'll get a lower interest rate. This is because the lender has a registered right to reclaim the car if you don't make your loan payments at any point, and sell it to recover the outstanding amount. You can read more about how car loan interest rates are determined.

Positive get a secured car loan

When can I get a secured
car loan?

Most car loans are secured car loans. An unsecured car loan is generally used in the situation where you want to buy an older car, and it's harder for the lender to determine an exact resale value for the car. You can ask your car loan broker about the options for the car that you're considering buying, and they'll be able to give you the best recommendations.

Ask us anything you need to know

You can ask us anything you
need to know

Remember, any time you have any questions about the car loan process, don't hesitate to ask! Our lending team are here to answer all your questions.

Fast Car Loans

Get a fast, hassle-free car loan with Positive Lending Solutions, and get out on the road sooner.

Apply Anywhere

Apply Anywhere!

You can apply for a car loan with Positive Lending Solutions from anywhere in Australia, as soon as you're ready. When you get a quote online, you can adjust your potential loan details to find repayments that you're totally happy with, before proceeding to talk to one of our friendly customer service staff, or starting your online application.

Fast pre-approvals

Fast pre-approvals

When you apply for a car loan pre-approval, you'll get an answer within 24 hours, so you can start hunting for the car you want straight away! Our application process can be done right from your mobile phone, over email or SMS, exactly as you prefer.

You choose how you buy the car

You choose how you buy the car

You can use a Positive car loan to buy through a dealership or a private car sale, so choose a Positive car loan to truly keep your options open. Unlike other car loan brokers, we're here to give you the best possible customer service, and to make sure that you get the best possible car loan for your situation.

Get the loan features you need

Get the loan features you need

If there's something that's really important to you, like being able to pay out your car loan early, or getting a balloon payment at the end to reduce the interest that you pay, make sure you tell one of our car loan brokers and they'll research the options that you have to get you exactly the right product.

Apply online or get our staff to guide you

Apply online or get our staff to guide you

Our staff will help you through the car loan process as much or as little as you like. You can apply online, through our application form, or over email or SMS, you don't even have to talk to us if you don't have time. Or you can call us up and we'll take you through the entire process, making sure that you are 100% comfortable with each step to getting the car loan that you really need.

Car loans anywhere in Australia

Car loans anywhere in Australia

You can get a car loan wherever you are in Australia. And we've put together some ideas of things you'll be able to do and places to see right in your local area, wherever you happen to be.

Car Loans Australia

Are you looking for the best customer service for Car Loans in Australia? You've come to the right place.

Instant access to over 15 lenders

Providing car loans from a selection of major banks and niche lenders, you're more likely to find the right Australian car loan for your circumstances at Positive Lending Solutions. We can find a car loan for you wherever you are in Australia, whether you are in a big city or a small country town, even a rural area.

Get the best car loan with expert advice

With the best Car Loans Australia has to offer, you'll be driving away in your new wheels in no time at all. Speak to an Australian car loan expert today, or simply complete a quick quote form and start your online application to get your own car loan sorted out soon.

Simple online application

With extensive experience in the Australian car loan market, we know exactly what Aussies are looking for. We've made the Car Loans Australia application process entirely online, you can complete the whole application within 15 minutes from your mobile phone, and have a pre-approval within a 24 hour timeframe.

The Positive Promise

The Positive Promise is that we'll help you every step of the way, from getting your car loan to finding the right car, we want Australians to have access to the best products, and great customer service.

We’ll help you make the most of your car loan

We've even put together some ideas to give you inspiration for driving around your local state or capital city:

Buy anywhere - or we can help you find the car

With Car Loans Australia, you can buy your car from anywhere. If you get a pre-approval, but you're not totally sure what you want to buy, or you just don't have time for car hunting, we'll help you work out the right car for your needs, and we can even find one for you in your local area using our Australian car connections.

Get your options today

To discuss your options for Car Loans in Australia, call one of our helpful customer service staff today on 1300 722 210 to get answers to your questions and find out more about our unique car loan options.

Talk to the Experts in Car Loan Comparison

Be confident you're getting the best deal with access to car loan options from 15 specialist lenders and big banks

Compare loans from different lenders

Compare loans from different lenders

When you apply for a car loan with Positive Lending Solutions, your car loan broker will use the information on your application to compare your car loan options across our panel of lenders. Because they write car loans every day, our brokers have the latest knowledge about the loan products available, and they are committed to applying their expertise in car loan comparison to ensure that you get the best value for money available on the market.

Car loan comparison by an expert

Car loan comparison by an expert

When you complete a quick quote, you'll get a rough idea of what your repayments will be. For a more detailed car loan comparison, you'll need to give us a little more information, and we'll narrow down the car loans that you’re eligible for. Tell our car loan brokers what loan features you are looking for, and we'll do the car loan comparison to give you some options.

Get all the info before you apply

Get all the info before you apply

One great place to start your research is by using our car loan calculator to get an idea of the loan repayment range you can expect across 3 different lenders. With an idea of your repayment figure, you might be ready to get an exact quote from a car loan broker by calling 1300 722 210.

Why you need to know your Car Loan Rates

When comparing different car loans, it's important to know your car loan rates.

Understand car loan rates

Understand car
loan rates

When you compare different car loans, you'll want to know what interest rate you're paying for the car loan, as well as the fees the lender might charge. This means the best way to compare car loan rates is by using the 'comparison rate', which includes the fees in the car loan rates.

Compare lender rates

Compare
lender rates

Whether you're credit history is squeaky clean, or you have a mark or two, by comparing car loan rates across our lenders, our car loan brokers will make sure that you get the best value for money, taking the whole loan structure into account.

Get the right loan for YOU

Get the right
loan for YOU

It's important to remember that car loan rates are only one part of the car loan, so make sure that you consider whether you can easily afford the repayments on the loan. We'll make sure you're 100% comfortable with the loan that you get, and we'll also make sure you get the best value for money for the whole car loan.

Why You Deserve the Best Car Loans

With the best car loans on offer in Australia, we're here to match you with the right finance for your next car.

Use a broker who listens to you

Buying a new car is basically the second largest purchase that you’ll ever make, so it's a pretty big decision. You want to be confident you're getting great value, which is why you want to find the best car loans. You'll also want to get your car loan with someone who's listening to your needs, and putting you first in the recommendations that you get, not meeting a bank sales target.

Get your loan faster on your terms

The best car loans can be found from an independant broker, who relies on word of mouth referrals and makes sure that you get as little or as much assistance as you need through the loan process. A car loan can be sorted out pretty quickly, with the right team on your side.

Find the best fit with your
new car loan

You deserve the best car loans to get yourself the vehicle that you need for your lifestyle. We know that people often have to buy a new car because their life has changed, or maybe they are treating themselves to something special. Whatever your reason for buying a new car, we'll make sure you have the best car loan that fits perfectly into your current financial situation.

Can I Get Car Finance with Bad Credit?

Car finance with bad credit

Life doesn't always go to plan, and sometimes you get a bit behind, but you can turn that around!

Yes, you can!

If you've had a few financial knocks or missed a bill payment, you might be concerned that it'll be harder to get the car loan that you need. Luckily, you've come to Positive Lending Solutions. We have been helping people just like you to get a car loan at a reasonable rate, and we can do the same for you.

Get back on track

With affordable bad credit car finance in place, all you'll need to do is make sure you make each repayment on time. This will improve your credit score, and before long you'll be back on track with good credit.

What kinds of bad credit can
you help with?

The types of credit defaults we can assist with are short or no credit history, late payments, Part IX Debt Agreements, or too many credit enquiries. We can even help if you've been discharged from bankruptcy. If you're in need of some bad credit finance, you can get more information by completing and online quote or application.

The Positive Team is on
your side.

You can be sure that our car loan brokers will listen to all of your circumstances, and present your application in the best possible light to the lender to show that you can be relied on to pay back the loan on time. This is the first step to getting your credit score back on track and setting you up for a healthy financial future.

Our Lenders