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    07 4057 9746

  • 14 Spence Street,
    Cairns City QLD 4870

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    Mon - Fri: 8:30 am - 5:30 pm

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Car Loans

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Personal Loan Quick Reference

Some lenders have restrictions on the age and/or value of cars that can be financed with a car loan and they are often available only for newer used or new cars.

Those who don’t qualify for a car loan may be able to use an unsecured personal loan, though this carries a higher interest rate. Our mortgage brokers in Cairns can help you organise a personal loan quickly so you can get your car sooner!

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Interest rates: Personal loans are assessed individually and given a credit score that determines the rate.
Loan terms: Loan repayments are usually split across the life (term) of the loan. You can choose a loan term between 3 and 7 years. To reduce how much you pay in interest it is recommended you choose a shorter loan term.
Unsecured and secured: We have both Secured and Un-secured loans. Secured loans generally have lower rates and are secured against an unencumbered vehicle.
Other Conditions: Borrower has to be an Australian Citizen with a regular income. ASIC (NCCP) requirements will be applied such as serviceability calculations and verification of income and assets.
Approval Time Frame: Typically 2 business days following full application submission. Loans typically funded within 24 hours