Used Car Finance

Just complete the loan quote and we will find which one will suit you best. We spend the time to research and have extensive knowledge of the Australian used motor market. Having a car loan broker like Jade do all the work for you makes the finance process easy and simple

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Why Use Jade Car Loans?

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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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Used Car Finance

Here at Jade Car Loans, we look at the various used vehicle offers that are obtainable by car lending institutions. We take particular notice of the rate of interest, loan terms, monthly payment term, timeframe of time before the finance gets approved, the financial company’s fees and charges and any break fees if you payout your loan at an earlier time, in addition to other items. Although the used finance interest rates are a significant matter, other costs are not ignored.

Subject to lender criteria and approval Jade Finance Australia can look after:

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Types of Used Car Finance

Used car finance is usually offered over a repayment period of up to 7 years depending on the age of the car that you are buying.

Jade can arrange your motor finance through a variety of lenders that reward lower interest rates on used vehicle loans for the right customer.

We will make sure that you are provided with all options that you might want included in your financial package.

For example:

  • Comprehensive Car Insurance for the first year
  • Warranties or mechanical breakdown insurance
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Used Car Loan Calculator

Making use of this online free calculator is predicated on the person’s awareness and also consent that the estimated figure presented does not illustrate a lending quote; it does not indicate an application for any financing has actually been lodged; it is not a suggestion that any kind of financing application has actually been approved. The format of this free calculator does not enable specific information regarding any kind of particular personal loan application or any type of lending institution fees as well as costs. It is formatted to supply a general result based on general details as well as amounts only.


After lodging a formal finance application, the quote and also repayment totals that you might be offered might differ from the finance quote worked out by this device.


The device is not ideal for calculations on loans that are developed on a rate of interest just basis. The formatting is simply set up to compound interest for a set amount of time based upon the values entered by the individual.


The calculator is not planned as a tool for financial decision-making. Users that call for finance advice should look for a professional financial advisor in regard to their circumstances. To make an application for financing as well as obtain a quote based upon your individual requirements, the individual needs to speak to Jade and also have their personal application assessed by among our Jade professionals

Used Car Loan Rates

Notwithstanding that, you personally, might get a good financial package if you take time to weigh against the finance interest rates and terms of used car loans offered by different lenders. Why not let Jade do this for you?

Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
Jade Car Loan 6.29%Secured 7.33%Comparison $584.04 MONTHLY
NAB Fixed Rate Personal Loan 6.99%Fixed Rate 7.91%Comparison $593.89 MONTHLY
St George Fixed Rate Personal Loan 6.49%Fixed Rate 7.61%Comparison $586.84 MONTHLY
ANZ Fixed Rate Personal Loan 7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY
Westpac Secured Car Loan 5.99%Fixed Rate 7.20%Comparison $579.84 MONTHLY
CBA Secured Personal Loan 7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY
Car Loan
6.29%Secured 7.33%Comparison $584.04 MONTHLY
Fixed Rate Personal Loan
6.99%Fixed Rate 7.91%Comparison $593.89 MONTHLY
St George
Fixed Rate Personal Loan
6.49%Fixed Rate 7.61%Comparison $586.84 MONTHLY
Fixed Rate Personal Loan
7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY
Secured Car Loan
5.99%Fixed Rate 7.20%Comparison $579.84 MONTHLY
Secured Personal Loan
7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.

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In order to provide the best experience, your details are saved on our secure server as you enter them.

Used Car Finance FAQs

Used car finance is offered by many lenders and cutting through the massive amount of information can be challenging. We’re providing assistance by adding to the wealth of information on all aspects of motor vehicle loans covered on our website, with these specific responses to specific questions. Every auto loan application received at Jade, whether for a new or used vehicle, is managed and quoted on an individual basis. So please take in the information we provide but call us or email for a specific quote based on your individual requirements.

  • In some ways, both new and used car finance are the same but in some respects there are differences. Personal loans and business finance are available on both new and used cars but the actual loan offer made is dependent on the guidelines and requirements of individual lenders. Both used and new cars can be financed with: Secured Personal Auto Loan; Chattel Mortgage; Leasing and Commercial Hire Purchase. Differences may occur in regard to the interest rate offered and any conditions such as minimum and maximum loan amounts applied by individual lenders. The age, condition and value of a used vehicle are taken into account when a car loan offer is made and this can cause differences from a new motor vehicle loan.

  • Applying for a used car loan – either personal or business – is the same process as applying for a new vehicle loan. Loans for used cars are offered by a range of finance companies and banks, subject to their internal guidelines around used motor finance. You can apply for a loan over the phone or apply via an online form. For personal vehicle loans, you will be required to provide a range of information around your employment, income and expenditure, financial situation in regard to assets/property and the details of the car. For business vehicle finance you will need an ABN and as much financial documentation as you can provide plus details of the motor vehicle.

  • There are a number of reasons that motor vehicle finance brokers consider that they may offer a better finance deal than a buyer can achieve through a car dealer. Brokers usually have access to a large number of lenders including the major banks and with more choices have more opportunities to source you the cheapest loan. Dealer finance can be priced higher than you can achieve through brokers. Dealer finance is usually associated with one lender – either a third party or the manufacturer’s finance arm. This may limit your options to get the cheapest loan. Requesting a loan quote is not an obligation to proceed. So you can ask a broker for a quote on your loan and have that to compare with what the dealer offers and then make your own decision.

  • The age, condition and value of used cars are taken into account when lenders assess their loan offers for Secured Car Loans. Some lenders will have specific age limits on vehicles and others will assess each individually and take into the condition or mileage of a vehicle as well as model year. There is a minimum loan amount for car loans and the price of a second hand car may not meet that threshold. If your loan amount or the age of the vehicle does not meet the requirements of a Secured Loan, you can source a quote for an Unsecured Personal Loan. There is no general rule around the age of cars in terms of model year.

  • Lenders may request a deposit be paid to the seller when the loan amount being requested does not meet their guidelines in relation to the perceived value of the car or the individual application. For some applicants and for some older cars, the lender may request the applicant reduce the total amount being requested by way of paying a deposit to the seller. These guidelines are based on Secured Vehicle Loans. Where an applicant does not achieve an offer for a secured loan for a particular vehicle, an alternative is to apply for an unsecured personal loan. This type of loan does not have security offered so the vehicle itself is not an issue.