What credit score do I need for a car loan?

For car loans: Excellent (750+) qualifies for best rates (5.94-8% p.a.); Good (650-749) gets competitive rates (8-10% p.a.); Fair (550-649) acceptable with rates around 10-14% p.a.; Poor (350-549) may still qualify with specialist lenders at higher rates. We work with lenders across all credit profiles.

Can I get a car loan with bad credit?

Yes. We work with specialist lenders who consider your full circumstances beyond credit score. Bad credit car loans typically require larger deposit (20-30%), newer vehicle, higher interest rates (14-18% p.a.), and shorter terms (3-5 years).

Do I need a deposit for a car loan?

Not always, but deposits help. New cars with excellent credit: 0% deposit possible. Used cars: 10-20% deposit typical. Bad credit: 20-30% deposit often required.

Can I finance a private sale?

Yes. We conduct PPSR checks, arrange independent inspections, arrange valuations if required, and handle secure fund transfers directly to seller. Never hand over cash. We handle secure transfers.

Car Loans for South East Queensland Residents

Fast car finance for new and used vehicles. From $5,000 to $150,000 with competitive rates from 55+ Lenders.

Get Your Car Loan Sorted →Use the Car Loan Calculator

24-48hr Responses• Competitive Rates• 55+ Lenders• 5-Star Google Reviews

Need a car? Whether it's a brand-new model from a dealership, a quality used vehicle, or a private sale, loan-o helps South East Queensland residents secure car finance quickly, without the endless bank queues or weeks of waiting.

What You Can Finance

New Cars

Brand-new vehicles from dealerships with the best rates available.

Used Cars (Dealer)

Quality pre-owned vehicles from licensed dealers with warranties.

Used Cars (Private Sale)

Buy from private sellers. We handle PPSR checks and secure transfers.

Commercial Utes & Vans

Work vehicles for trades, transport, and commercial use.

Electric & Hybrid

EVs and hybrids with potential government incentives.

Motorcycles

Road bikes, cruisers, sport bikes, scooters, and touring motorcycles.

New Car vs Used Car Finance

New Car Loans

Competitive Rates & Access to 55+ Lenders
$3,000 to $150,000
Terms up to 7 years
0% deposit available for excellent credit

Best for: Buyers wanting latest models, maximum warranty coverage, and lowest rates.

Used Car Loans

$3,000 to $100,000
Lower purchase price than new
Private sales supported

Best for: Budget-conscious buyers wanting better value and avoiding steep depreciation.

Why Choose loan-o for Car Loans in SEQ

Competitive Rates

Access some of Australia's lowest car loan rates through our panel of 55+ lenders.

Local SEQ Specialists

We understand SEQ's car market, from Brisbane's prestige dealers to Gold Coast's import specialists.

Private Sale Support

Full PPSR checks, independent inspections, valuations, and secure fund transfers.

Fast Approvals

Most applications receive initial responses within 24-48 hours.

Credit Score Protection

Hard credit enquiries only occur when you're ready to proceed.

Trade-In Assistance

Outstanding finance on your trade-in? We help clear that as part of your new loan.

How Car Loans Work with loan-o

Apply Online

5 minutes

Upload Documents

ID, income, vehicle details

We Compare

Shortlist best lenders

Choose Your Loan

You decide

Final Approval

24-48 hours

Drive Away

Funds transferred

Car Loans Across South East Queensland

BrisbaneGold CoastSunshine CoastIpswichToowoombaGympieRegional SEQ

Car Loan FAQs

Subject to credit assessment and lender approval.

Ready to Get Your Car Loan Sorted?

Competitive rates from 55+ lenders | Fast approvals | Dealer and private sale support