An Extensive Market
This market is extensive with sellers taking advantage of online marketplaces and platforms to sell their vehicles.
Mitigate Risks, Maximise Benefits of Private Sales Car Loans with Jade
Buying cars through private sellers can present many advantages compared with buying through dealers or at auction. But buyers need to be aware of both the benefits and the risks of purchasing this way.
Why Aussies Choose Jade
Apply Online
The easy application process provides you with comprehensive information. Make a fully informed decision on your car loan.
Get Pre-Approval
Save time, money, and worry - Get Pre-Approval for your finance. You'll be good to go when you find your dream car.
Car Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Secure Low Interest Rate Car Loans for Private Sales with Expert Guidance
When personal sale car financing is required, we assist buyers to mitigate the risks and maximise the benefits with our personalised services and low interest rate car loans.
Using our specialist motor vehicle finance service can be a distinct advantage when buying from a private seller. We handle many of the checks on behalf of buyers, alert buyers of issues to watch out for and advise of the lender requirements for this type of purchase to streamline the financing and the purchasing process.
With both personal and business vehicles readily available on the private vehicle sales market, we have a complete portfolio of lending products to suit all buyers. Speak with us before inspecting the vehicle to ensure you don’t miss out on quality, in-demand cars.
Overview of Financing a Privately Sold Car
Private sales car loans are loans for vehicles purchased through private sellers.
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Great Value on Offer
Many buyers gravitate to these platforms to purchase vehicles at sometimes significantly lower prices than dealers offer. Essentially, securing a bargain.
Avoid the Risks
As with buying all second-hand cars, extra caution must be taken in doing a range of checks around ownership, if the car is under finance and the condition of the vehicle. When buying from private sellers, especially via online platforms, buyers are urged to be diligent in checking IDs and avoiding scams and fraud.
Checking Vehicle History
To ensure the value of a privately sold car is optimised, buyers should note the time left on the registration and review servicing schedules to ensure additional expenses will not be required in the initial few months of ownership.
Budget for the Future
If additional expenses are envisaged, they may need to be budgeted when planning finance repayments.
Used Car Loans Apply
The same loan products are applicable to both dealer and private seller purchases. A key point to note when financing a privately sold car is that the vehicle will be second-hand and used car loan products will apply.
Suitable Loan Collateral
The vehicle will need to be accepted as suitable collateral by lenders for secured loans or an unsecured finance product may be selected.
Highly Competitive Rates
Our highly competitive used car interest rates will apply, and the condition of the vehicle assessed by lenders in preparing rate offers. Our private seller car loan process follows the same simple steps as for other types of sales.
Pre-Approval Advantage
But many astute buyers opt to have their finance pre-approved, so they are 100% ready to shake on the deal on the first test drive.
Get Fast Finance Approval in 24 Hours for Private Car Purchases
We can have applications approved in 24 hours so apply today and be ready to go car shopping tomorrow.
- Great used car rates for private purchase car loans.
- Fast finance approval to capture in-demand vehicles.
- Personal and business private car sale financing available.
Car finance guides and resources
Our guides offer quick comparisons and simple explainers to help you motor through the financing process with confidence.
Specialised Car Finance
Commercial Vehicle Finance and Personal Car Loans for Private Sales
As specialists in vehicle finance, we have a complete portfolio of lending products for both personal and business buyers. Competitive rates on second-hand vehicles are assured, and our brokers tailor each funding package to suit individual requirements.
Our brokers assist buyers, streamlining the process to secure the lowest rates and most workable terms. Request a quote to suit your budget and requirements.
- Secured and Unsecured Personal Sale Car Financing.
- Great used vehicle rates on Chattel Mortgage, Leasing, Hire Purchase.
- Best fixed rates, fixed terms, balloon options.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, EFFECTIVE 21/02/2026 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
We work harder to secure the best rates.
Private Sales Car Loan FAQs
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PPSR is the Personal Property Security Register. It holds the details of goods purchased with finance. Buyers of used cars can check the PPSR to ensure the vehicle does not have money owed to a lender.
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Vehicles purchased from private sellers can be financed with Secured and Unsecured loans for private buyers and with Chattel Mortgage, Leasing and Hire Purchase for business buyers.
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Yes. Vehicles purchased via an online marketplace may be financed, subject to lender acceptance of the suitability of the vehicle.
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Interest rates on used car finance are subject to the lender assessment of the vehicle and the borrower’s application. The type of seller – private or dealer, would not influence the interest rate offer.
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Personal and business loan applicants will need to complete the standard application forms, providing details on their financial position, debts and income. Information about the vehicle will also need to be provided.
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Buyers purchasing from private sellers can submit their loan application prior to purchase for pre-approval. Approval and any offer is subject to the lender receiving the specific details of the vehicle including condition and age.
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When buying a car from a private seller, buyers should be aware of the ownership of the vehicle and the seller’s authority to sell; if the vehicle is under finance; identification of the seller and the vehicle; ensuring the vehicle is as described; and that banking details for payments are valid.
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Used vehicle financing is available through a wide range of lenders. All applications are subject to the individual guidelines of the lender.
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The condition of a used vehicle, it’s value and the loan amount requested will be assessed by lenders when deciding if approval for no deposit finance is given.
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Where a business purchases vehicles for the operation from a private seller, the vehicles can be financed, subject to lender approval.