Car Loans - Cheap Car Finance Rates

We will not be beaten on Car Loans Interest Rates
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  • No impact on credit score
  • Low rate finance
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Just some of the lenders we work with

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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, and 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 here. Our customers deserve better and they receive the best.

As an Aussie finance broker, 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. 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.

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Best Auto Loan Deals for Personal and Commercial Needs

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, and 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.

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Enhance your vehicle financing with our expertise

We aim to be your long-term client by not only providing car loans but also offering cost-effective solutions for all your financing requirements.

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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 broker 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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Effortlessly enhance your vehicle ownership with our car finance solutions

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. Contact us today!

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Versatile financing solutions available for every kind of vehicle

Discover our diverse range of car financing options, spanning various models such as sedans, hatchbacks, SUVs, and more. Our commitment is to provide you with top-tier loan solutions, customised to meet your specific needs.

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Nationwide coverage purchases

Our nationwide coverage offers customers the added advantage of a company that can facilitate their equipment purchase, regardless of their location in Australia or the whereabouts of the desired vehicle.

In today's market, where online platforms play a dominant role in sales, your Jade consultant can assist not only with your loan but also with other aspects of the transaction.

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Expertise and in-depth knowledge

Our broad customer base applauds our expertise and deep understanding of the automotive financing industry. What sets us apart is our ability to secure and compare high-quality car loans at competitive rates. Coupled with our unparalleled negotiation skills and unwavering commitment, we consistently deliver optimal outcomes for our customers.

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Years of experience with credits and lendings

With a wealth of experience in providing improved credit and lending solutions to our clients in the automotive sector, Jade has cultivated a strong network, providing us access to numerous loan providers and financial institutions. This empowers us to thoroughly evaluate a wide range of available car loan products. Leveraging our deep expertise in automotive financing, we adeptly identify and secure the ideal product customized to meet your specific requirements.

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 complete across what is on offer. We have provided a very extensive website 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

  • 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 to the credit provider to source a car loan on your behalf and access your credit profile.

  • Having a driver’s licence is not a necessary requirement to apply for a car loan. Under 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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’s 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; and 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.

  • 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.

  • 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.

  • 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.

How we have helped Australians like you

After struggling with other brokers to get finance for a new Ute I spoke with Josh Gray at Jade finance who was able to secure it for me in less than a week. He was even able to negotiate a better interest rate for me than what was originally quoted. Couldn’t recommend enough.
Jaz W
Jaz W
Huge shout out to Scott Clapham! From start to finish, you can't fault him. He is quick, thorough and explains everything properly. The ease of the process was fantastic and I never had a chance to follow up on how anything was going because Scott would call me first with any updates. Got my loan across the line with speed and ease and a much better rate than I was offered anywhere else. Thank you very much for all your help, we will be picking up our camper trailer in the next few days!
Shelley Millen
Shelley Millen
Daine was prompt and professional and made the process seamless and uncomplicated. I would highly recommend Daine, Richard and the Team at Jade Finance for any of your Personal finance needs. Sincerest thanks from our family.
Josh was great to deal with, understood what I wanted and my particular situation. Found a suitable deal which met my requirements very quickly. Great communication.
peter van echtelt
peter van echtelt
thanks Josh for making my boat loan a great experience i appreciate the hard work and the updates and the help you gave me no matter the questions I had ,definitely be calling you guys when i need to take out another loan
Very Happy with Ezra, Swift and honest, will use again in the future
Ben Wood
Ben Wood
Exceptional service, Graham Scott was really Easy and friendly, and really does try to find the best for you
Office Teddy & CO FUNLAND!!!
Office Teddy & CO FUNLAND!!!
Matt offered us a great service for 3 of our company’s vehicles. And we will go back for the 4th Highly recommended
Micayla Norris
Micayla Norris
Josh and Jay helped me for finance for my new car. I had never purchased a brand-new car before so wasn't quite sure of the process. It was unbelievably quick and easy - had an approval as soon as I supplied the few documents required. Josh was extra helpful - happy to always give me a quick ring if I had any questions. Super pleased with the experience and will definitely be coming back for our next car :) Thanks again guys.
This is the second time I have used Jade finance to per cure a loan & they have very easy to deal with, Chris Fahy is an excellent person too deal with, I will use again if needed. 😀

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