Use Your Vehicle as Guarantee for Low Rate Secured Car Finance

We assist buyers to easily purchase vehicles with credit by using just the vehicle as the guarantee against the loan. Allowing most buyers to avoid having to own other assets to put up as a guarantee against the funding. Providing simple, easy, straightforward funding for individuals and businesses - and at the lowest rates.

Quickly Estimate Repayments, Select Vehicles with Our Secured Car Finance Calculator

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Why Jade Finance?

Quickly Estimate Repayments, Select Vehicles with Our Secured Car Finance Calculator

So what might your repayments be with secure vehicle financing? Find out estimates quickly and easily with our financing calculator. Use the device to generate monthly repayment estimates on different credit amounts and different vehicles, to work out your preferences and to work out the total cost of the credit.
  • Estimate monthly secured car loan payments.
  • Compare secured vehicle financing on different vehicles.
  • Quick, easy, free and no obligation!

Easily Compare Secured Car Loan Rates – 80+ Lenders

Don’t risk damage to your credit score by requesting quotes from multiple lenders. We are accredited with over 80 lenders and make it easy for buyers to compare rates across the market. Refer to our latest rate comparisons or just give us a call and get your specific rate.
  • Best secured car financing loans with Jade.
  • Lowest rates secured car finance - 80+ lender market coverage.
  • Specialist secured car financing services.

Specialist Assistance to Arrange Secured Car Loans for Bad Credit

We assist vehicle buyers with diverse credit histories including poor scores, to source funding options to suit their circumstances. While the risk to lenders is reduced by using the vehicle as collateral for secure funding, the credit score of applicants still remains a major factor in credit approval. It also determines the rates and conditions applied to the funding.

With our expertise and vast lender selection, we have the resources to source options for poor score applicants to consider. Start by having a confidential, no-obligation discussion with one of our experts.
  • Options for Bad Credit Secured Car Loans.
  • Access to bad credit vehicle finance lenders.
  • Experts to source workable bad credit secure car finance.
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Explore the Best Rates on Secured Vehicle Financing with Us

The vehicle is provided to the lender as collateral or the guarantee the money loaned will be repaid or recovered. With that risk covered, lenders are in a position to offer their best rates on a secure form of vehicle lending.

This is the most popular form of credit for new and many second-hand vehicles. The lending market is competitive. We not only provide this simple form of funding but we make the task of finding the right lender and the best rates equally easy. Explore your options with us and contact us for the lowest quote for secured credit for your vehicle. Request a quote online, quick response, fast approvals.
Collaborating with Jade Finance as Your Car Loan Broker

Quick, Simple, Online, Phone – Applying for a Secured Car Loan

Our application process is as simple as the format of secure vehicle credit. Buyers can apply online or by phone with one of our experts. We work in your best interests to get back to you quickly, with the best quote available across a vast market coverage.

Quote in your affordability range? Approvals are available in 24 hours and we’ll liaise with the dealer to make sure settlement is prompt so you can drive away in your new vehicle asap.
  • Apply online for best rates on secured car loan.
  • Phone vehicle funding applications.
  • Fast 24 approvals.
Woman in a car holding a key

Simple Format, Lower Rates – Understanding Secured Car Loans

When lenders approve credit they want an assurance that the money will be repaid, a guarantee to mitigate their risk. With a secure credit product, the vehicle being bought is used as collateral or guarantee for the lender. It reduces their risk.


With the risk reduced, lenders are better placed to offer better rates and in some cases, to approve higher borrowing limits. Opening up the opportunity for no deposit financing or to purchase a higher-priced vehicle.


While the vehicle is the main security for the credit, some borrowers may be required to provide additional collateral through cash reserves, or other assets or may be required to reduce the total credit amount. Our brokers will advise of your specific conditions when we have your details.


Lenders register their interest in the vehicle as their guarantee on the Personal Property Securities Register PPSR as an official form of claim. When all payments are made, including any balloon or residual with commercial lending products, the lender releases the claim over the vehicle.


If the borrower fails to meet their repayments, known as defaulting, the lender has the right to repossess the vehicle, sell it and recoup what is owed to them.


While the vehicle is a guarantee for the lender, buyers are required to take out a Comprehensive Insurance Policy on the vehicle. This is a further assurance for lenders and buyers that should the vehicle be written off or damaged, a claim can be made on the insurance to cover the debt.


The alternative to this type of credit is unsecured funding. This attracts a higher interest rate and may still require some form of collateral to be provided.


Both new and second-hand cars can be funded with a secure lending product. Used cars are subject to the lender accepting the vehicle as in good condition to be suitable as collateral.


To use this simple credit format to purchase your next vehicle, give us a quick call or connect online for the lowest rate quote.

  • Get vehicle finance using the car as the collateral/guarantee against the loan.
  • Higher borrowing limits – no deposit options.
  • Get lower rates on secure car loans.

Maximise Your Benefits of Secured Car Financing

For many buyers of new and quality second hand vehicles, secure credit is the most popular form of funding and provides a range of benefits. With the vehicle used as security, other assets may be freed up. This format also allows buyers with little or no other assets to acquire vehicles simply and easily and at great rates.


Both buyers and lenders have assurances. The lender has the assurance that the debt is covered. Borrowers have the assurance that should they not be able to make their repayments, the vehicle, in most cases, will cover any monies owed to the lender to cover the debt.


With the risk for lenders reduced, the best interest rates and most accommodating terms can be offered on this form of lending. But rates will still vary across the market as will some of the terms and conditions that lenders will approve.


To maximise the benefits available from a secure lending product, use our specialist services to source the best deal, lowest rates and best lending terms.

  • Lowest rates of interest compared with unsecured credit. 
  • No deposit secure car loan available.
  • Terms up to 7 years.
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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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Secured Car Finance FAQ's

  • Where a lender rejects the vehicle as acceptable security for secure credit, buyers may consider an Unsecured Personal Loan.

  • Lenders will assess the quality of second hand vehicles as being suitable for a secure lending product. Most quality used vehicles can be funded with secure credit.

  • Collateral are goods which are pledged or promised or used as a guarantee against monies borrowed. Collateral is security for secure format lending products.

  • Chattel Mortgage, Lease and Commercial Hire Purchase would be considered as secure lending products for commercial entities.

  • A Secured Personal Car Loan is the lending product most popular with private buyers.

  • Many buyers may be approved for secure funding with no other collateral required. Where additional collateral is requested it may be provided with other assets owned or by personal guarantee.

  • A deposit on a vehicle purchase is typically requested by the dealer or seller as confirmation the buyer will proceed. The lender does not request a deposit as such with secure financing but may set a borrowing limit based on their assessment of the application. This may require the buyer to reduce the credit required by making a down payment.

  • Lenders release the security held over a vehicle with secure credit when all payments are finalised.

  • Buyers can use an online finance calculator to work out estimated repayments for vehicle financing.

  • Secure credit may be approved for poor credit profile buyers through specialist lenders.

  • Secure credit uses the vehicle as the guarantee against the funding. Unsecured credit does not use the vehicle being purchased as the credit guarantee. Other collateral may be requested with an unsecured product.

  • With secure credit, lenders register their claim over the vehicle with the PPSR. The borrower owns the vehicle in terms of being responsible for all operating costs incurred. When all payments are finalised and the security claim released, unencumbered ownership is with the borrower.

  • The vehicle provides security over the funds borrowed for the lender. Borrowers may receive peace of mind that should they be unable to meet repayment commitments, their vehicle may be repossessed to cover the money owed.

  • Interest rates on all types of vehicle financing vary across the lender market and can vary based on individual credit profiles. Secure funding attracts a lower rate than unsecured products.