Car Loans - Compare Vehicle Finance Interest Rates

We do not like to be beaten when it comes to car finance interest rates. We have a business model developed on the basis of achieving cheap interest rates for car finance across all market sectors. We’ve provided this reference chart so you can see at a glance the cheap rates we are offering on both business vehicle finance and personal auto loans. For a firm quote give us a call on 1300 000 008 or to calculate estimated repayments on a particular loan, use our loan calculators.

Car Loan Comparison Tool

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Why Jade Finance?

Better Rates, Better Car Loans

  • Streamlined finance – we’ll give you our best rates and cheap loans the first time you ask!
  • Our competitive rates reflect our winning attitude – we don’t like to be outdone
  • So we offer a cash guarantee. If you can source a cheaper finance package than our offer, we’ll not only match that offer but we’ll also give you $200**

Expert Car Finance Provider

Our locally-based car loan consultants are licenced professionals, highly trained and their total focus is on getting you the best car loan. You can be confident that your Jade Car Loan Consultant is working in your best interests towards a better finance deal for you.

Better Car Loan Rates Solution

Unlike banks and other lenders we’re not restrained by a limited choice of loan products. As an experienced car finance provider, Jade Finance is accredited with over 40 lenders, giving us access to hundreds of lending products, so we have a much bigger choice to source you the best car loan deal. Greater choice for us equates to better car financing for you.
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How to Apply

Applying for a loan with us is quick and simple. We offer two options – apply online using our online form or just call and apply over the phone. It’s that easy. You will be assigned a consultant who will take you through the process, source you the cheapest loan quote, process your application and handle the paperwork for settlement. You will need to provide certain information about yourself, your business, your employment, residential and financial situation so having those details ready can speed up the process. With our fast approvals process will have you Apply Now!
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Why you will love
Jade Finance

Our commitment has always been, and will continue to be, working with our customers through the long-term, to assist them achieve their financial goals. Not just in a single loan but over the lifetime of their financial requirements. We operate across many sectors, providing finance for cars, boats, caravans, business equipment, trucks, motor bikes and more.

A member of FBAA, Jade abides by the Code of Ethics, which is under the cover of the Australian Prudential Regulation Authority (APRA).

With our Car Loans, you can be assured, it is all about you realising your aspirations.

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Bad Credit Car Loans Approved

A poor credit report, bad credit history or others issues with your credit profile, don’t necessarily mean that you can’t be offered finance to purchase a car. We are accredited with lenders that are more flexible and negotiable when it comes to talking bad credit vehicle finance. Both individuals and businesses with poor credit can approach Jade to source their motor vehicles. Many people seeking poor credit motor loans can benefit significantly from having our expertise and network of lender connections working to achieve them a workable solution.

No Deposit Car Loan Options Available

Including 100% of the purchase price of the vehicle in your motor loan is totally possible with s. Even if the seller requests you make a down payment to secure the sale, we can still achieve no deposit motor vehicle finance for both personal motor loans and business vehicle finance. We’ll even work to including that deposit you paid so it can be returned to you from the seller. With a no deposit loan the bank or lender is not requesting you pay a deposit. Proceed to use our calculator to estimate repayments on 100% of the purchase price and contact us for quick quote.

Easy Car Finance Process

We make the task of sourcing and arranging a cheap car loan a streamlined, straight-forward and easy process for our customers. From your initial contact with us, you’re assigned your own consultant who will handle your entire motor loan from sourcing you the cheapest quote, through processing your application, handling the paperwork and even liaising with the seller to ensure prompt settlement.

Best Car Loan Rates

Interest rates drive car loans. The rate is the major factor in determining how low your car loan repayments will be and how fast you will pay off and own your car. So the best motor loan rates are the cheapest loan rates. As major motor vehicle lenders, we have developed the bargaining power, the business model, the connections and the determination to negotiate the cheapest interest rates for our customers. Check out our best vehicle loan rates compared with other lenders in our lender comparison calculator.

Secured Car Loans

For private vehicle buyers the secured auto loan is the most popular form of vehicle finance and provides a simple, universally-accepted format. The automobile is used as security or guarantee by the lender against the money borrowed. When you repay the loan in full, the lender releases the security. If the borrower defaults on the loan, oops, the lender has the security of the vehicle to repossess and recoup monies owed. For business vehicle buyers, the Chattel Mortgage is essentially a secured vehicle finance product with the vehicle used as security against the loan. Discover all the features and benefits of Secured Motor Vehicle Loans or apply now!

Unsecured Personal Loans for Vehicles

The Secured Vehicle Loan is the most commonly used loan for private buyers. But in some cases, the lender will not accept the automobile as suitable security against the loan or for other reasons the borrower does not choose to offer the vehicle as security. For these instances, we offer the Unsecured Personal Loan. As this type of loan does not have security or a guarantee for the lender, the interest rate can be higher than for a secured loan but your we can work to achieving a very cost-effective loan for you. Find out how by contacting us now.

Novated Car Lease

More correctly known as Novated Vehicle Leasing with Salary Sacrificing, this is a specialised business vehicle finance solution for providing cars for employees. This product is structured to suit employers looking to provide a vehicle for an employee and the employee agrees to sacrifice part of their salary to cover both the purchase and the ongoing running costs. There are benefits to both employee and employer on offer as our consultant will explain to you.

Streamlining the Paperwork, Unlocking the Gridlock

Forget FOMO. At Jade, we work quickly and seamlessly to ensure fast application approvals so you don’t miss out on that great car deal. Whether it’s a fairly straightforward private car purchase or a complex commercial motor finance package, your Jade consultant will be in the fast-lane when it comes to processing your application right through to a quick settlement. We’ll handle all the paperwork and conveniently assist you with other details while you hold the wheel and approve every stage.
  • Verify identity of private sellers and vehicle identifiers
  • REVS and encumbrances checks
  • Liaise with dealer or private seller on your behalf
Flexibly Refreshing Car Loan Choices

Refreshingly Flexible Car Loan Options

We don’t make you fit into tight ‘application form’ spaces like the banks. We tailor car loans and motor vehicle finance packages that suit your specific requirements and circumstances. Loans that suit your family budget, business cash flow or financial objectives.

With so many different types of car buyers, we have different loan and finance facilities to suit every application.

  • Personal Secured and Unsecured Car Loans
  • Flexible Terms, up to 7 years, to allow workable repayments
  • No Deposit Car Loan Options
  • Business Vehicle Finance: CHP, Chattel Mortgage, Leasing, Rent to Own, Novated Leasing
  • Balloon Options to Reduce Monthly Repayments
  • Car Loan Solutions for Low Docs and Bad Credit Applicants
  • Fixed Interest Rates so you can plan your financial future

Finance for Loans All Drives

Australians love their cars and Jade Finance loves assisting more and more Australians with great car loan deals.

SUV or sedan, wagon or workhorse, hatch or hybrid, convertible or compact, limo or light commercial, collectible or custom – whatever your choice of drive and wherever you’re purchasing, we can arrange the finance vehicle to suit.

Finance for Private Cars, Business Vehicles and Entire Fleets

  • New and Used Car Loans
  • All Makes and Models
  • Car Loans for Private Sales and Dealer Purchases
  • Loans for Interstate and Online Car Purchases
  • Pre-approved loans for auction purchases

Business Car Finance

Businesses seeking motor vehicle finance have a choice from our full portfolio of finance products which include Chattel Mortgage, Leasing, Commercial Hire Purchase and Novated Car Lease. Why so many products? Each have varying features and benefits and are structured to suit either the cash or accruals method of accounting, differing treatments of tax and individual financial objectives. Deciding which product will deliver the best outcomes for your business should involve a discussion with your accountant. Our consultant will then proceed to source you the cheapest quote and handle your finance requirements.


While most banks and lenders offer these finance facilities, most do have strict guidelines for applications. As a motor vehicle finance specialist, we have expert services for those businesses that do not meet all those guidelines and/or do not have all the financial documentation, docs, demanded by some lenders.


We offer No Docs Loans, Low Docs Loans and ABN Finance for these businesses. These are essentially loan categories rather than distinct finance products and if approved, applicants can apply their no docs, low docs or ABN loan to their choice of commercial finance product.


While the differences are essentially in the amount of documentation provided with the application, No Docs Loans, Low Docs Loans and ABN Finance are similar in structure. Lenders have stricter criteria and additional security is often required, but these loans can still achieve our cheap interest rates. We have the flexibility and the negotiation skills to achieve workable solutions for these specialist loans, so give us a call and let our consultants do all the hard work to source you a loan.

Car Finance Calculator

Planning your car purchase has never been easier with our handy and easy to use loans calculator. An online function, you can use it from any device where you have an internet connection. It’s free and there’s no obligation so you can calculate repayment estimates on any number of cars you are considering. Just enter the data around your purchase for instant repayment estimates, then call us for a confirmed quote. Great for making those all-important purchase decisions when comparing makes and models and for planning how you would like your loan structured.

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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.

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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General Car Loans FAQ's

In creating our website content we work hard to provide as much information as possible to our customers. But we realise that many people will still have questions that they want quick answers to. In this FAQs section we’re focusing on some general queries which we hope will assist you. As Jade Finance handles every loan individually, please feel free to contact us via email or phone on 1300 000 008 to direct your specific issues to our consultants.

  • In general, finance is provided for all types of cars. Exceptions may arise with say vintage and collectable cars, racing cars and other such categories. But for the majority of commonly purchased cars for most applicants, Jade can source you a cheap car loan. The categories of cars we finance include all types of passenger cars such as sedans, SUVs, hatches, convertibles, sports cars, wagons, multiple people vehicles, electric vehicles, hybrids, diesel and petrol powered. In the business vehicle category, we finance all leading brands of utes, SUVs, cab chassis, light commercial vehicles, vans and small work vehicles which don’t come under our truck finance sector. Small and large cars can be financed, there are no general restrictions in that regard. Individual lenders may vary loan offers for new versus used cars.

  • Yes. Finance is available for both personal car loans and business vehicle finance for new and used vehicles. Used vehicles may include: passenger cars, sedans, hatch backs, convertibles, utes, SUVs, 4WDs, wagons, MPVs, light commercial vans, cab chassis utes and many other types of vehicles. In all cases, loans on used cars are subject to individual lender requirements. The age and condition of a used vehicle is taken into consideration by our lenders when assessing an application and working out the offer they will make on a loan to the applicant. In some cases, a lender may request a deposit be paid in order to reduce the overall loan amount if they consider the value of the motor vehicle relative to the loan amount being requested does not meet their criteria.

  • Not necessarily but maybe. There is a difference between any deposit that the car seller or dealer may ask you to pay and a deposit that the lender may request. When you commit to a car purchase and sign a contract with say a car dealer, they usually ask you to pay some amount on the spot to confirm the deal. The exact amount requested will vary. This is usually referred to as a holding deposit and can be refunded back to the buyer if their car loan finance company pays the 100% purchase price of the vehicle. Lenders only usually request a deposit to be paid when the applicant or the vehicle being purchased does not meet their guidelines. No deposit vehicle loans can be sourced. That means you request a loan for 100% of the purchase price of the car including all dealer delivery etc charges. In many cases, especially with new vehicles and for business applicants, this is generally achievable. With Low Docs and No Docs business vehicle loans, personal loans with low credit profile and with Unsecured Personal Loans, the lender will often request a deposit be paid to lower the loan amount being requested. It may also be requested in some cases with some used cars, depending on age and condition.

  • In order to qualify for business vehicle finance, the business must meet the criteria for a business loan and the vehicle being purchased must be primarily for use in that business. If a vehicle is being purchased by an individual primarily for their own personal use, then a personal car loan would be the applicable loan type. The structure of business and personal car loans are essentially similar in that the lender uses the vehicle, in some aspect, as security against the loan and the borrower repays the loan in monthly instalments for a fixed number of years, known as the loan term. Business loans differ in that they do have the option for a balloon or residual. This is a portion of the price of the car which is set aside from the repayments to be paid as a lump sum at the end of the loan term. There are a number of business car finance products which have varying features and benefits in regard to tax and accounting methods. In order to qualify for business finance, an applicant must have a current ABN and some level of financial documentation in regard to their business set-up.

  • Yes, it is possible, but other financial documentation is also required. A current ABN and ID is the minimum requirements for business car loans. From that minimum level of requirements, the more financial information about your business that you provide and the better the quality of that information in regard to your credit profile, the more favourable the interest rate and loan conditions you can expect to be offered. Being registered for GST and having BAS statements is highly preferred. For businesses with little or no documentation, a specialist service to source Low Docs, No Docs and ABN only car finance is available. This type of finance is usually not offered by the major banks but non-bank lenders are more favourable to offering finance to this type of business.

  • There are a number of ways to start the car application process. You can either apply online or over the phone. Licensed credit providers with ASIC must adhere to the Responsible Lending Guidelines in relation to consumer credit and a set process is laid out to follow. You will need a range of documents to complete your application. These vary according to the type of car loan – personal or business – that you are applying for. For a personal car loan you will need ID, employment status and history record, proof of income such as payslips, a list of your income and expenses each week/month, details of any assets, details of any debts such as credit cards and other loans. For business vehicle finance, you will need a current ABN, ID and financial details around your business activities. The quantity and quality of the financial documents provided will determine if you meet the criteria for a fully documented (standard) loan or you require a Low Docs or No Docs loan.

  • Car loans and driver licences are separate issues and not connected except that a driver licence can be used as one form of ID in applying for a car loan. Driving licences come under state regulations and the age for getting a licence may vary across the jurisdictions. In most states and territories a person can get a driver licence under the age of 18. Under the Consumer Credit Laws in Australia, you must be over 18 in order to apply for and be offered a consumer loan. So just because you have a driver licence doesn’t mean you can apply for a vehicle loan. On the reverse, you don’t need to have a driving licence in order to apply for a car loan. Someone without a driving licence can be offered a car loan for a car which is obviously to be driven by another person.

How we have helped Australians like you

Jaz W
Jaz W
10 July 2023
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 M
Shelley M
29 June 2023
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.
11 June 2023
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
4 June 2023
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
29 April 2023
Very Happy with Ezra, Swift and honest, will use again in the future
Ben Wood
Ben Wood
22 April 2023
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!!!
22 April 2023
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
19 April 2023
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.
13 April 2023
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. 😀
22 March 2023
Matt was great to deal with and provided excellent customer service to us through the whole process. We would highly recommend Jade Finance and will definitely be a returning customer. Thank you guys.

Settled a loan but need help?

Jade Finance simple fast approval application process quickly delivers back all the information you need to help you make the right choices on your finance needs. We pride ourselves on delivering better loan interest rates. Simply you will find our loan packages hard to beat.