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Car Finance Australia Jade Car Loans

Jade is a leading specialist in motor vehicle finance, with an enviable reputation for continually delivering on our core purpose – cheap interest rates on every personal motor loan and business motor vehicle finance package.

We have successfully differentiated our offering in this highly competitive financing sector by providing our customers with better auto loans, cheaper interest rates and tailored financial solutions. We respect that you’re purchasing a major asset and you deserve the attention to detail in structuring your car loan to specifically suit your car, your requirements and work with your financial objectives. The cookie cutter approach to auto loans - fill out a form and just sign here – just does not cut it at here. Our customers deserve better and they receive the best.

As an Aussie finance brokers, we are accredited with many banks and lenders so we have a large source of options to secure you the right loan for you and your car. With our superior negotiating skills and strong buying power, we have the resources to bargain on your behalf for the best deal. And we have the willingness and take the initiative to consider your business goals and ensure your auto vehicle finance package is in sync with your objectives.

For personal auto buyers we provide both Secured Car Loans and Unsecured Personal Loans.

For business vehicle customers we provide the full range of commercial motor vehicle finance facilities including: Car Chattel Mortgage, CHP, Commercial Car Leasing, Novated Lease with Salary Sacrificing and Car Rental.

For customers with credit issues or complex business structures or requirements, our consultants are willing and prepared to handle your car loan application and secure you an offer that suits your cash flow, budget and works – for you!

Cheap finance interest rates are fundamental to every auto loan and your assurance that you are being offered the best deal available.


We provide finance for all types of motor vehicles – new and used, purchased from a dealer, private seller or through an online market place. Our nationwide coverage enables us to assist customers throughout Australia with better loans and additional support with paperwork, REVs, checking encumbrances, rego transfer advice and interstate regulations.

For a car loan or business motor vehicle finance deal which is both the cheapest deal and includes the most streamlined, hassle-free service, contact us today.


Compare Jade Car Loans with Other Leading Lenders

At Jade Car Loans we’ve built our business around achieving better interest rates and cheaper interest rates for both personal car loans and business vehicle finance. We don’t shy away from our claims and we’ve provided this Lender Comparison Table to show just how well we compare with other leading lenders in the motor vehicle finance sector. Just follow the prompts to enter your loan amount and loan term preferred and the table auto-calculates to display the estimated repayment.

Loan Amount $ Loan Term
Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

28 Nov Today's
best rates
Today's Business Rate
From {{Advertised Rate Only}} %*

*The Interest Rate is calculated on a Secured Loan for business use, effective 28/11/2023 and subject to change. WARNING: The interest rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Today's Consumer Rate
From {{Advertised Rate Only}} %
Comparison Rate
From {{Comparison Rate Only}} %**

**The Comparison Rate is calculated on a Secured Loan of $30,000 fixed for a term of 5 years, new goods, effective 28/11/2023 and subject to change. WARNING: The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

Car Finance Calculator

This finance calculator is developed to provide estimates based on the input data only. It does not allow for individual application variances. The loan offer and repayment amount you receive from your Jade consultant may be higher or lower than the result you have calculated.


Finance Calculator Disclaimer

Car Loans FAQs

Motor vehicle finance is one of the largest lending sectors across the financial services industry. Those seeking vehicle loans are presented with a lot of ground to cover if they want to be completely across what is on offer. We have provided a very extensive web site with pages to cover many aspects of both personal automotive loans and business vehicle financing. To expand on that information, we’ve singled out a number of specific questions to address in this section. If you still have queries, please feel free to contact us

How do I apply for a personal car loan?   

Applying for a personal or business car loan is quite easy. You can either apply over the phone or use an online application form. You will need to provide a range of details about yourself and/or your business, financial records and information and details of the car you intend to buy. For personal car loans, licensed credit providers must operate in accordance with the consumer credit rules and Responsible Lender Guidelines as established by ASIC. These regulations set out what information and documents the lender requires from you. This information will include your identity, details of your income and regular expenses, employment situation and history, residential situation (own your home or renting), property and assets including investments and cash, other loans you may have including credit cards and other details as required by the consumer credit laws. You will be provided with information on credit and loans and you will be asked to sign a consent form which gives your approval the credit provider to source a car loan on your behalf and access your credit profile.

Can I get a car loan when I get my driver’s licence?   

Having a driver’s licence is not a necessary requirement to apply for a car loan. Under the consumer credit laws, a person must be over the age of 18 years to be granted a car loan or any other type of loan. If you are over the age of 18 when you attain your driving licence then yes, you can apply for a loan. Individual states have different ages for attaining a driver’s licence. If you get your licence before you turn 18, you cannot apply for a motor loan. 

Can I get a car loan if I buy a car privately?   

Yes you can apply for a personal car loan or business vehicle finance if you are purchasing the vehicle from a private seller. Finance is available for new and used vehicles purchased from a dealer, at auction or from a private seller. When buying a car privately, you may like to consider a pre-approved loan so you are ready to commit to the sale on first inspection and have greater bargaining power when negotiating price as the seller will know you can settle quickly. Private sales will presumably be for a second hand vehicle. The age and condition of a used car is taken into consideration by lenders when assessing loan applications.

What is the difference between a secured car loan and unsecured personal loan?   

With a Secured Car Loan, the car being purchased is used as security against the loan. The loan is secured with the lender by the vehicle. If the borrower defaults on the loan, the lender has the right to repossess the car and sell it to claim any unpaid monies. An unsecured loan has no security offered against the loan. In some instances, a lender will not accept the vehicle being purchased as security against a secured loan. This may happen with some older vehicles. An Unsecured Personal Loan is essentially a personal loan where no security is needed hence the meaning unsecured.

Can I pay the secured car loan out early?   

Yes but fees may be incurred depending on the loan type. These fees are known as break fees, a fee for breaking a loan contract. The actual amount will vary from lender to lender. You can ask your lender at the time of arranging your loan what the break fees are for your loan. With Secured Car Loans (personal car loans) minimal break fees apply when a loan is paid out early. 

What type of cars can I get a car loan to buy?   

In general terms, loans are available for all types of motor vehicles. The purchase of sedans, hatchbacks, SUVs, wagons, 4WDs, utes, work vehicles, commercial vans, MPVs and others can be financed through car loans. This is subject to the minimum loan amounts applied by individual lenders and by the acceptance of individual vehicles by a lender. Used vehicles are subject to lender guidelines. Vintage and classic cars and restoration projects and other similar ‘specialised’ vehicles may be subject to individual lender guidelines. Where a lender does not accept a particular vehicle for a secured loan, you have the option of requesting a quote for an unsecured loan. An unsecured loan is a more general loan and can be used for a range of purposes.

What do I need to get a personal car loan?   

In general terms, you need to be over the age of 18 and have employment or income source as the minimal requirements. To complete the application you will need to provide details around your employment, income, financial situation, residential situation and other personal information and documents will be requested to verify some of the details you provide. Specifically you will need:- Proof of age with birth certificate, driver licence or other acceptable form of ID verification; payslips from your current employer or proof of a regular source of income. Income tax returns may be requested; history of employment; residential situation: whether you rent or own. If renting, a rental history may be required; to assess your financial situation, a list of your ongoing weekly/monthly/annual expenses is required. This may be prepared by yourself and/or verified with bank account details; details of debts including current loans and credit cards. Your lender will specify the details required but it can be a good idea to get your paperwork and documents ready in advance.

Do I have to get comprehensive car insurance?   

For loans which are secured against the vehicle, that is, secured loans, the lender will request you take out comprehensive insurance. In order to finalise the loan and allow you to complete the sale and take possession of the car, the lender will require proof of an insurance policy. For unsecured loans, car insurance may not be requested. 

Can I borrow the full purchase price of the car?   

It is subject to individual lender requirements and their assessment of your loan application but in most cases, the car loan can cover the full purchase price of the car. Some dealers may advertise this as no deposit finance. Lenders usually only request a larger deposit be paid for some new and used cars and/or based on individual risk assessment. If you do choose to pay a deposit to the seller, this will reduce your total loan amount (compared with borrowing 100% of the purchase price) and as such reduce your monthly repayments.

Can I get my car loan sorted before I decide which car I want to buy?   

Yes. This is done with a pre-approved loan. Pre-approved loans are available across the full portfolio of personal loans and business vehicle finance products from most lenders. Deciding on a car and doing a deal with a seller and then applying for a loan is considered the usual way to go about organising car financing. But benefits can be realised by organising the finance before you even look at cars and pre-approved loans are very popular. The process to secure a pre-approved loan is essentially the same as for applying after you’ve finalised the car deal. The pre relates to prior to finalising the car sale. You contact a lender or broker and request a car loan quote based on an estimate of what you think your car may cost. Your lender proceeds through to source you a quote and on acceptance of that quote, process your application to the approval status. You can then proceed to buy the car and the loan is completed when the exact loan amount based on the final purchase price is known. If you secure a pre-approved loan, there is no obligation to proceed. If you change your mind and decide not to proceed with a car purchase. Pre-approved loans have a use by date and the lender will advise you of when yours expires at time of applying.

Why Use Jade Car Loans

Driving cheap interest rates into every car loan

Cheap interest rates are at the very core of our business structure. It’s what defines us, differentiates us and gives you the competitive advantage. We optimise the freedom and the flexibility of our broker status to negotiate hard on interest rates with our strong bargaining power to deliver the cheapest rates for every car loan customer.

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Jade Car Loans is your key to a cheaper car loan

Whether you’re a private car buyer or purchasing a business vehicle, using Jade Car Loans as your finance brokers is a smart and sensible decision. We’re not constrained by a limited set of loan options like many banks and lenders. Our accreditation with a vast number of banks and lenders broadens our sources to hundreds of loan products. With more choices comes more opportunities to source you the cheapest car loan.

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Reliability, longevity, track record - the broker you can trust

When it comes to your finances, every detail matters. Especially the broker handling your car loan. Well-established and reputable, Jade Car Loans has an impressive track record of performance over our 20 years in the lending sector. A reputation that is your assurance that you’re dealing with a company that is reliable and continues to deliver cheap car loans, year after year, customer after repeat customer. We’re an Australian-owned committed to providing workable, affordable and effective financial solutions so other Australian businesses and individuals can turn their goals into achievements.

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