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Cheap Car Loans | Car Finance

21 Jan Today's best
rates from
Today's Business Rate
From 2.85 %*
Today's Consumer Rate
From 3.85 %
Today's Comparison Rate
From 4.65 %**

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 Broker

Unlike banks and other lenders we’re not restrained by a limited choice of loan products. As an experienced car finance broker, 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 finance deal. Greater choice for us equates to a better car loan for you.

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.

Jade Finance – Reputation Based on Performance

Jade Finance – The Better Cheap Car Loan Solution

As an Australian-owned company, we are extremely proud of our 10+ year track-record of impressive performance in the finance industry and we jealously protect our reputation for delivering on our commitment of better loans and cheaper interest rates.

Jade Finance is an Australian owned finance broker with accreditation with over 40 lenders which provides us access to hundreds of loan products so we have more choices to source the best option for you. It is your assurance that we have made a thorough and diligent search across the market on your behalf.

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.

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

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

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

Get a quote

Request a free finance quote by calling 1300 000 008 or directly online.

Request A Quote Contact Us


OnlineCar Loan Calculator

When making use of our online finance calculator, please be mindful of these possible key points: The resulting monthly payment that is determined is not a specific finance quote, it is not a financing offer and also it does not mean your application has actually been approved for that, or any other finance. The loan amount that you submit may not be the final complete amount lent as there could possibly be more charges and costs used by the lender or bank. You can include an extra sum in the loan total to allow for your costs in relation to insurance coverage, extended warranties or extra expenses involved in what you are buying.
This calculator is available to provide quote estimates based on the input data only. It does not take into consideration individual application variances. The loan deal and repayment figure you get from your Jade consultant could be higher or lower than the outcome you have actually calculated.
The calculator is developed to calculate loan repayments based on an inputed interest rate over a set time period. It is not to be used for interest-only loan calculations. It determines interest and payments by compounding calculation over the regular monthly term.

Finance Calculator Disclaimer

General Car Loans FAQs

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.

How do I apply for a car loan with Jade Finance?   

With Jade Finance we offer a number of ways to start the vehicle application process. You can either apply online via our form or phone us on 1300 000 008 and start the process in conversation with one of our consultants. As a licensed credit provider with ASIC, Jade adheres to the Responsible Lending Guidelines in relation to consumer credit and a set process is laid out that we follow.


You will need a range of documents to complete your application. These vary according to the type of auto loan – personal or business – that you are applying for. For a personal vehicle 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.

Can I get business car loan with an ABN?   

Yes, it is possible, but other financial documentation is also required. A current ABN and ID is the minimum requirements for business vehicle 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 choices of lenders and finance companies available, 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, Jade Finance provides specialist services to source Low Docs, No Docs and ABN only car finance. This type of finance is offered by some of the major banks but Jade is accredited with non-bank lenders that are more favourable to offering finance to this type of business. Speak with Jade about the options for your individual circumstances.

What finance is available for business vehicles?   

Jade Finance provides the full range of commercial finance facilities for business vehicles. Our motor vehicle finance products include: Chattel Mortgage, Commercial Hire Purchase, Vehicle Leasing and Novated Car Leasing with Salary Sacrificing. Refer to our web pages for individual features and benefits.


Each financing product has varying features in regard to suitability to either the cash or accruals accounting method, treatment of tax deductions, GST and balance sheet entry. We always direct customers to confer with their accountant as to which is the most appropriate business vehicle loan product to best meet their business objectives.


Jade Finance business vehicle finance is available for all types of vehicles, utes, vans, wagons, SUVs and other vehicles which will be used primarily in the business operations.

What is the difference between business and personal car loans?   

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 motor loan would be the applicable loan type.


The structure of business and personal vehicle 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 vehicle 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. 

Do I need a deposit for a car loan?   

Not necessarily but maybe. We will differentiate between any deposit that the vehicle seller or dealer may ask you to pay and a deposit that the lender may request. When you commit to a vehicle purchase and sign a contract with say a motor 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  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.


Jade Finance can source options for no deposit car loans that means you request a loan for 100% of the purchase price of the autpomobile 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 sometimes will 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.

Do you offer loans for used cars?   

Yes. Jade Finance provides both personal vehicle loans and business vehicle finance for new and used vehicles. Used vehicles that we finance 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 automobile 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 vehicle relative to the loan amount being requested does not meet their criteria. For a quick answer on a particular vehicle you are considering, just give us a call.

What type of cars qualify for finance?   

In general, Jade Finance provides loans 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 options on 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.

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