Find the Best Car Loan Interest Rates Faster with Jade Finance

The motor vehicle lending market is extensive and highly competitive. A situation which can make finding the best interest rates a confusing, difficult and lengthy task for buyers seeking credit. Any delays in sourcing credit may mean missing out on the vehicle of choice. We solve the problem by actively finding customers the best motor vehicle credit interest rates to suit their requirements.

Car Interest Rate comparisons

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Lowest Car Interest Rate Loan Specialist

With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Compare Car Finance Rates with Main Banks and Vehicle Lenders

The motor vehicle lending market includes banks, finance companies and motor dealers offering vehicle credit through a lender. We use our technical resources, extensive lender base and 25+ years of experience in the sector to source the best rates across all types of credit products – consumer and commercial. While rates offered to individual applicants can be different from our current rates, buyers can use these rates as a guide to compare lenders and plan their vehicle purchase. For that best rate based on your specifications, request a quick quote online or by phone to one of our brokers.
Compare the Best Car Loan Interest Rates

All Types of Business Car Finance at the Best Rates

Commercial buyers have the choice of a number of credit facilities to suit their accounting method, tax and balance sheet strategy and objectives. As specialists in commercial vehicle lending we offer the full portfolio of products to suit all types of set-ups and all types of vehicles. Even where a small or new set-up doesn’t have all the financials to satisfy lender criteria, we can achieve great rates on Low Doc and No Doc vehicle funding. Contact us online or by phone for the best rate we can find to suit your specific requirements.

Chattel Mortgage:

The most widely used commercial vehicle funding facility which attracts the lowest rated. Suits many commercial set-ups using the cash method of accounting. Balloon available, fixed rates, fixed terms, fixed repayments and tax deductions via depreciation.

Commercial Hire Purchase:

Flexible facility as it can suit companies using either the cash or the accruals accounting methods. Same low rate as Chattel Mortgage and with some of the flexibility of Leasing.


Extremely popular facility with operators using the accruals method of accounting. The vehicle does not appear on the balance sheet, providing flexibility for many operators. Highly attractive rates, fixed terms and tax deductible monthly payments.

Great rates for Sole Traders, ABNs, Self-Employed, Start-ups

Individual vehicle and fleet funding solutions at best interest rates

How to Get Fast Estimates with Our Car Loan Interest Calculator

Wondering how the interest rate may equate to monthly repayments on the vehicle you are considering? Use our calculator for fast estimates on any vehicle, at any price point, for any credit product. The calculator is a free-to-use resource we provide to empower buyers to start planning and to assist with making those important buying decisions. Use it at any time and for an exact quote, contact us.
  • Fast estimated repayments.
  • Free, no obligation, use for all vehicles, all credit types.
  • Compare vehicle prices based on repayment estimates quickly and easily.
Secured Car Finance

Private Buyers - Get the Best Secured Car Loans Rates

For buyers purchasing vehicles for their private use, our secured credit product will suit most new and many used vehicles and most buyers. With the vehicle accepted as security for the credit, this type of funding attracts a great interest rate. The format is easy to understand with a fixed rate, fixed term and equal monthly repayments.

With our extensive lender accreditations, we have the proven track record in finding the best and cheapest rates for this type of credit. Request a quote or apply today and secure the best rate to make your vehicle purchase more affordable.

  • Best fixed interest rates.
  • Fixed terms, fixed monthly repayments.
  • New and many used vehicles.

Vehicle not accepted as collateral? Get the Best Unsecured Car Financing Rates

Some lenders may not accept some vehicles as suitable collateral for secured funding. The option in this instance is our unsecured credit product. With the vehicle not available for security, the interest rate on this type of funding will be higher than for a secured product. But with our capabilities and experience, we can still secure highly attractive rates on unsecured vehicle credit products. Each application is handled and quoted individually. So speak with one of our brokers for the best rate and best offer we can find for you.

  • Best Rates on Unsecured Funding.
  • Flexible formats, fixed terms, fixed repayments.
  • Fixed and variable rate options.

Consider Solutions for Car Loans for Bad Credit

Individuals and enterprises with credit issues can face challenges with getting any type of vehicle funding offer. With our extensive selection of lenders, we may be able to assist buyers with these challenges to achieve affordable rates and workable terms for vehicle funding. Have a confidential conversation with one of our brokers to discuss the options available for your specific situation.

  • Affordable rates from more lenders.
  • Workable terms, negotiated solutions.
  • Specialist lender selection, more options.

How to Work with Us to Find Your Best Car Finance Interest Rate

Working with us is not only easy, it can ease the stress of finding the best motor vehicle funding rate and offer. Our service is comprehensive and inclusive. We work with individuals and all types of commercial enterprises to source funding for all types of vehicles – budget priced through to luxury, new, used and vintage, passenger cars, utes, SUVs, vans, sports models, wagons and cab chassis.

Your broker will be working in your best interests to find YOU the best rate using sharp negotiating skills and our high tech systems to ensure we match your profile with the right lender. We source the cheapest offer, handle structure and paperwork, process applications and even work with your dealer for prompt settlement. Why take on the vast motor vehicle lending market yourself when you can leave that challenging task to our professional and experienced brokers? Contact us today to get a quote or submit your application.

  • 80+ lenders – main banks, finance companies, non-bank lenders.
  • Highly experienced, specialist motor vehicle lenders.
  • 25+ years experience, Australian-owned and operated brokers.
  • Skilled, sharp brokers working to get you the best rate.

Fast Approvals for Car Loans

Use our convenient online systems to request a quote or submit your application. Or just give us a call and we’ll handle your request promptly over the phone. Many applications can be approved within 24 hours and funding can be approved even before you make that final decision on which vehicle to buy.

  • 24 hour Approvals
  • Quick Quotes, Fast Approvals
  • Apply online or by phone
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*The purpose of the interest rate comparison table is to provide a guide only and for comparing the interest rates on different commercial loan products. Quoted repayments are based on advertised rates and do not include lender fees and charges. An offer made to you by a lender may be at a different interest rate and have a different repayment. Using this device is not an application, any indication of an offer, and is not a loan approval.

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.

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Car Loan Interest Rates FAQ's

  • Rates can vary for individual applicants. But buyers can refer to current advertised lender rates and use an online credit calculator to work out estimated repayments with those rates or change the rate entered to make comparisons.

  • The amount requested can impact the rate offered when considered in relation to the credit profile of the applicant. Where no deposit funding is requested this may influence the rate. Applicants may discuss with their broker or lender if reducing the amount requested will result in a lower rate offer.

  • Chattel Mortgage and Commercial Hire Purchase offer slightly lower rates than Leasing.

  • Rates are mainly determined by the creditworthiness and the financials of the applicant rather than the type of vehicle. The amount requested in the loan may also impact the rate relevant to the applicant’s credit profile.

  • Commercial operators without financials can apply for low doc and no doc options through specialist brokers and lenders. Good rates can be achieved and applications approved based on strong turnover for some applicants.

  • To be eligible for consumer credit, applicants must be over the age of 18 years. New drivers over 18 years can apply for credit.

  • The term offered on vehicle funding can vary with individual applications, the amount borrowed and other aspects of the application. Terms of 4-7 years are typical.

  • Most vehicle funding products are secured at a fixed interest rate. That rate will then remain constant over the complete time of the funding. Some unsecured credit may be arranged at a variable rate which is subject to change over time.

  • A balloon is that portion of the total CHP or Chattel Mortgage that is due at the end of the term, in full.

  • Applicants with strong financials and a good credit profile are typically offered the best rates. Improving the credit position may improve the prospects of achieving a lower rate.

  • Highly attractive rates can be achieved on used vehicle funding. Lenders assess the age and condition of the vehicle as well as the creditworthiness of the applicant when making rate offers.

  • Interest payments on commercial funding is tax deductible. Lease payments are deductible. CHP and Chattel Mortgage deliver tax deductions with depreciation of the vehicle.

  • All applications are assessed individually by lenders when preparing rate offers. ABN holders with strong financials and good credit can be offered very attractive rates.

  • Commercial operators can select from Lease, CHP and Chattel Mortgage to fund new vehicles.

  • Most private buyers will suit a secured vehicle funding product where the lender accepts the vehicle as suitable credit. With much older vehicles which are not considered suitable security, borrowers may consider an unsecured product.