Car Loans Brisbane
Car finance with fast approvals, low rates and flexible repayments through Savvy.
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Savvy Editorial TeamFact checked
Low rate car loan options in Brisbane
Looking to save on your new car purchase in Brisbane? Savvy can help you finance your car quickly and easily, all from the comfort of your own home. We’ve partnered with a wide range of Australia’s top vehicle financiers to ensure our customers can compare and choose from the widest range of car loans.
You can customise your car loan to your liking with competitive interest rates and a number of flexible features, such as 100% finance, added deposits, flexible repayment schedules, free additional repayments and no early termination fees.
With over ten years of experience in the field, our online car finance consultants can help source the best quotes for you no matter where you live, from the Gold Coast all the way up the east coast to Townsville and Cairns. Get a free, no-obligation quote today to get your application started.
Our car loan features and benefits
Access competitive rates
With Savvy, you’ll gain access to some of the cheapest car loans on the market, with affordable rates based on your profile.
Borrow up to your car’s value
You’re only restricted by what you can afford to pay back, with amounts starting from $5,000 up to the maximum value of your car.
Choose from cars across the country
You’re not just limited to cars in Brisbane. We’ll help you source financing for your ideal car, whether it’s in the city or across the country.
Repay your loan between one and seven years
Select your repayment term to suit your financial needs, with the choice between one and seven years directly impacting the cost of your instalments.
Enjoy flexible repayment schedules
Additionally, you can decide whether to repay your loan on a monthly, fortnightly or weekly basis, depending on which suits you the most.
Free extra repayments
We partner with lenders who enable you to make additional contributions towards your loan sum above the minimum, which saves you money.
New or used
Whether your car is fresh off the manufacturing belt or has had up to 20 years on the road, we’ll find a lender that can approve your application.
Funds in your account in 48 hours
The entire application process is very fast, with the time between your quick quote and receiving your funds potentially only taking two days.
Why Brisbane borrowers look to Savvy for their car loans
100% online application process
Over 10 years experience
Expert consultants
Car loan repayments calculator
Your estimated repayments
$98.62
Total interest paid: | $1233.43 |
Total amount to pay: | $5,143.99 |
Car finance options in Brisbane
If you’re looking to buy a car for personal use, our car finance option may be a great fit for you. We can provide flexible repayment terms and competitive rates to enhance your finance experience.
We can customise your chattel mortgage with features such as a residual payment of your choice to help you enjoy tax benefits and own your commercial vehicle from the get-go.
With options across a wide range of industries, you can experience low rates on both leases and hire purchases for new and used equipment with our experienced consultants.
An imperfect credit score shouldn’t rule you out for a loan. Many of our lending partners are keen to work with you, even if you have bad credit.
You’re not just limited to cars for vehicle finance, either. Savvy is here to lend a helping hand with your truck loan application and help get you the best rates.
Looking to hit the road on a family holiday? Financing your new caravan is made easy when we help secure great deals for you from top Australian lenders.
Frequently asked car loan questions
Yes – in addition to buying the car itself, your Savvy consultant will help you if you wish to borrow to pay for other expensive on-road costs like stamp duty, vehicle registration and extended warranties.
If you’re over the age of 18, an Australian citizen, permanent resident or acceptable visa holder and earn at least $26,000, you can apply for a loan for your car. We can help borrowers with many income streams, such as PAYG and self-employed workers, as well as those who count Centrelink benefits amongst their annual income.
If you’ve bought your car locally, you can receive it and start driving within 48 hours. However, it’ll take longer than that time for your car to reach you if you’ve chosen one from interstate.
No – we have access to a wide range of lenders not just locally, but nationally. We can provide you with options across a wide selection of lenders, ensuring you get the best possible chance of finding the right deal to suit your needs and save money.
A deposit is an effective way for you to save money on your car loan by reducing your overall loan amount, which reduces your total loan repayments and interest.
If you don't have the funds on hand to pay a deposit but still want to reduce your monthly repayments, you can opt for a balloon payment, or residual, instead. This requires you to pay a lump sum at the end of the loan instead of the start, but they don't save on interest in the same way as deposits. Because your interest amortises to a higher end point to account for your residual, you pay more in interest than with a deposit.
We partner with lenders who can finance cars up to 20 to 25 years old, while others don’t enforce a maximum age for cars at all. Speak with a Savvy consultant about your finance options if you’re looking to buy an older model.
0% finance looks good on paper, but borrowers usually find that it's too good to be true. Dealers often inflate the cost of the car to make up for its lack of interest earnings, which means you won't be saving as much as you think (if anything at all). Additionally, 0% finance usually only lasts for a set period before reverting to a high interest rate.
Yes – we partner with many flexible lenders who can work with customers with bad credit scores and more complicated financial histories. Even though many mainstream lenders won't be able to help those in that position, we can help find you a lender to cater to your financial needs.