THE MOST AFFORDABLE CAR LOANS IN AUSTRALIA
Get Any Car You Want. Car Loans Within Minutes.
Low Rates. Personalised Deals.
Bad Credit? Self-Employed?
Doesn't matter. We Work for You.

Over 3,000 Car Loans approved in Melbourne's West!
- 60 Minute Approvals
- Bad Credit Experts
You Are 3 Steps Away
To Your Perfect Loan (with no impact to your credit score)
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40+ LENDERS









It’s great news for me today, my car loan has approved I am really thankful to Hanan, she help me lots I don’t have words to say’s thank. Because so many financial institutions was declined my loan but finally hanan, help me to get my first dream car in Australia. Once again thankful hanan
Ashleen Chand
Car finance without a credit check? You got it.
Applying for a personal or small business auto loan is increasingly difficult nowadays. Whether you want to buy a new or a used vehicle, you find yourself in an impossible situation.
You need a car to go to work, or take your kids to school, and provide a stable life for yourself and your family. And yet, according to most banks, you cannot buy a car without having a stable life and a high credit score.
But this ends today! We’re here to break this vicious cycle by helping you receive second-chance car loans fast with personalised interest rates based on your credit score. It’s time for you to take control of your finances again and move forward in life!
*Does not effect your credit score
How to Apply for a Car Loan In 3 Easy Steps
Apply Online in Minutes
Complete our quick and easy online application. No paperwork, no hassle, ready for you to start 24/7.
Get Matched with the Best Loans
We compare offers from over 40 lenders to find the lowest rates and best terms for your unique situation.
Get Approved & Funded Fast
Once approved, receive your funds quickly so you can move forward with confidence and finally buy your dream vehicle.
*Does not effect your credit score
Choose Ausloans’ car finance solutions
Australia’s Best Available Interest Rates
We negotiate with multiple lenders to secure you the lowest possible rate and flexible repayment options.
Car Loans for Every Situation, Even Bad Credit
We specialise in approvals where others say no.
Fast & Simple Auto Loan Application Process
Get an answer in hours, not days or even weeks.
Second-chance auto loans
Your past doesn't define your future, we serve both prime and subprime borrowers.
Personalised Car Loan According to Your Needs
We take the confusion out of borrowing by guiding you through the entire process.
Self-Employed and Small Business Owners Welcome
We help business owners and sole traders from all industries.
Access Australians Best Interest Rates Available
We negotiate with multiple lenders to secure you the lowest possible rate and flexible repayment options.
Car Loans for Every Situation, Even Bad Credit
We specialise in approvals where others say no.
Fast & Simple Auto Loan Application Process
Get an answer in hours, not days or even weeks.
Second-chance auto loans
Your past doesn't define your future, we serve both prime and subprime borrowers.
Personalised Car Loan According to Your Needs
We take the confusion out of borrowing by guiding you through the entire process.
Self-Employed and Small Business Owners Welcome
We help business owners and sole traders from all industries.
*Does not effect your credit score

Over 3,000 Loans approved in Melbourne's West!
We Work For You

I recently used AUS Loan Company for my car loan, and I couldn’t be happier with the experience. The process was quick, straightforward, and stress-free. The team was incredibly helpful and answered all my questions, making sure I felt comfortable. I was impressed with their professionalism and efficiency in getting my loan approved at a great rate. I highly recommend AUS Loans to anyone looking for a seamless loan experience!
Mariah Spiteri

A huge shout out to Martin at ausloans what a Gem definately a keeper of an employee. Efficient and unstressful all the way through with constant updates and phone calls. Thank you Martin I will highly recommend you to anyone looking for a car loan. I'm looking forward to driving my new car away tomorrow and it wouldn't be possible without you or Ausloans. Thank you, thank you, thank you...
Kate Spencer

First of all I just want to say a big THANK YOU!!! To Hanan Said from ausloans for working so hard making it possible for me to finance my ute, I really appreciate you being patient with me though I was very impatient at times but you stuck by me, so I recommend if you ever want to get a car loan for a car go and see Hanan Said at ausloans she really knows how to make things happen.
Penny Atanoa
*Does not effect your credit score
Don't Waste Time Getting Lost in the Sea of Loans Access 40+ Lenders
At Ausloans there are no upfront fees, no hidden costs, just complete transparency, so you always know what you are paying. We make getting the right car loan simple, fast, and stress-free. Our partnership with over 40+ lenders means we can do the comparison and bring you the best deals for a fraction of the time.
Save Thousands on Interest Payments Over Time
A lower rate means more money in your pocket.
Finally Get Approved After Being Rejected Elsewhere
We specialize in saying yes when others say no.
Eliminate Financial Stress & Get Peace of Mind
No more sleepless nights worrying about money.
Achieve Your Goals
Start a small business or cut commute time with your new vehicle.
Make a Confident Financial Decision
With our expert guidance, you’ll know you’re making the right move.
Save Thousands on Interest Payments Over Time
A lower rate means more money in your pocket.
Finally Get Approved After Being Rejected Elsewhere
We specialize in saying yes when others say no.
Eliminate Financial Stress & Get Peace of Mind
No more sleepless nights worrying about money.
Achieve Your Goals, Whether It’s a Home, Car, or Debt Relief
The right loan unlocks new opportunities.
Make a Confident Financial Decision
With our expert guidance, you’ll know you’re making the right move.
*Does not effect your credit score

I had an incredible experience working with Peter Joseph as my car loan broker! From start to finish, Peter was attentive, knowledgeable, and always willing to go the extra mile to ensure I got the best loan possible. He took the time to explain every step of the process, making what could have been a stressful experience completely seamless.
Ashleen Chand
6 Reasons Why Aussies Trust Ausloans For a Car Loan
Fast Approvals
Get a loan decision in hours, not days.
Better Rates
We compare 40+ lenders to find your best deal.
Low or No Deposit
Options available to suit your budget.
Bad Credit? No Problem
We help find solutions, not roadblocks.
Simple Process
Easy online application with zero hassle.
Trusted Nationwide
Thousands of Aussies drive away happy.
Fast Approvals
Get a loan decision in hours, not days.
Better Rates
We compare 40+ lenders to find your best deal.
Low or No Deposit
Options available to suit your budget.
Bad Credit? No Problem
We help find solutions, not roadblocks.
Simple Process
Easy online application with zero hassle.
Trusted Nationwide
Thousands of Aussies drive away happy.
*Does not effect your credit score

Over 3,000Car Loans approved in Melbourne's West!
Are You Ready To Get The Best Car Loan Deal?
*Does not effect your credit score
Frequently Asked Questions
Do you offer no credit check car finance solutions?
Ausloans typically conducts a credit check as part of their car finance application process to ensure responsible lending
Can I get a car loan if I have a bad credit score?
Yes, you can get a car loan with a bad credit score through flexible lenders like Ausloans. Here’s how:
Specialist lenders: Ausloans partners with lenders who specialise in bad credit car finance.
Tailored solutions: Loan options are customised based on your income and financial situation, not just your credit score.
Guarantor or collateral: Adding a guarantor or offering collateral may improve approval chances.
Fast approvals: Ausloans offers a quick and easy online application process to get pre-approval in 24 hours.
Rebuild credit: On-time repayments can help improve your credit score over time.
Contact Ausloans for a personalised assessment and access to low doc and bad credit loan solutions.
What are the eligibility requirements for a car loan?
Eligibility requirements for a car loan generally include:
Age: Must be at least 18 years old.
Income: Proof of stable income to demonstrate your ability to repay the loan.
Residency: Australian citizenship or permanent residency.
Credit history: Lenders may assess your credit score, but bad credit is often acceptable with specialist lenders.
Employment status: Employment or self-employment, or other reliable income sources like benefits.
Loan purpose: The loan must be used for purchasing a vehicle.
Ensure you have all relevant documents ready for a fast, easy application to streamline the process.
Do you provide self-employed and small business car finance solutions?
Yes, Ausloans offers car finance solutions for self-employed individuals and small businesses. Here’s how it works:
Self-employed applicants: You’ll need to provide proof of income, such as tax returns, business financials, or bank statements.
Small business owners: Business financials, such as profit and loss statements, may be required to assess loan eligibility.
Flexible terms: Ausloans works with lenders who offer tailored solutions for those with non-traditional employment.
Fast approval: You can access quick online application and pre-approval in as little as 24 hours.
Contact Ausloans to explore options that suit your self-employment or small business needs.
What is the minimum credit score required to apply for an auto loan?
The minimum credit score required for an auto loan can vary by lender, but generally:
Prime credit: A score of 680+ qualifies for the best rates and terms.
Bad credit: Some lenders, including those Ausloans partners with, may consider applicants with scores as low as 500 or even lower.
Alternative criteria: Lenders may focus on income, employment stability, and down payment rather than solely on your credit score.
For those with bad credit, it’s recommended to explore specialist auto loan lenders like Ausloans for more flexible options.
How long does the approval process take?
The approval process for an auto loan with Ausloans typically takes:
Pre-approval: Within 24 hours for fast, easy online applications.
Full approval: May take 1-3 business days, depending on the complexity of your application and required documentation.
Ensure all documents (proof of income, ID, etc.) are provided upfront to speed up the process.
Are there any hidden fees in the car loan process?
Ausloans aims to provide clear, upfront details on all costs associated with the loan.
Yes, you can still apply for an auto loan with Ausloans if you’re unemployed.