THE LOAN PHONE
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New Car Loans

Drive Away Today with Competitive Car Loan Rates

Get competitive rates and flexible terms for your new vehicle purchase. Compare loans from major banks and specialist lenders with no impact to your credit score.

Start Your Comparison
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The Smarter Way to Finance Your New Car

Discover the features and benefits of using Loan Phone.

Competitive Interest Rates

Access competitive rates from our panel of lenders including major banks, credit unions, and specialist car finance providers.

Fast Pre-Approval

Get pre-approved quickly so you can negotiate with confidence at the dealership. Know your budget before you start shopping.

Flexible Loan Terms

Choose loan terms from 1 to 7 years to match your budget and financial goals. Pay off faster or keep repayments lower.

New & Demo Vehicles

Finance any new or demonstrator vehicle from any Australian dealership. Wide range of makes and models covered.

Compare Without Impact

See your real borrowing power and loan options without affecting your credit score. Smart technology lets you compare with confidence.

Expert Broker Support

Get paired with a car finance specialist who understands the market and can negotiate the best deal on your behalf.

How Our New Car Loan Comparison Works

1. Tell Us About Your Vehicle

Share details about the new car you’re looking to purchase, including the make, model, and approximate price range.

2. Get Matched With Car Finance Specialists

We connect you with brokers who specialize in vehicle finance and understand current market rates, manufacturer offers, and dealer relationships.

3. Compare Your Options

Review competitive loan offers from multiple lenders side-by-side. Compare interest rates, fees, and features to find the best fit.

4. Get Pre-Approved Fast

Once you’ve chosen your preferred loan, your broker will help you get pre-approved so you can shop with confidence and negotiate the best price.

Why Choose The Loan Phone for Your New Car Loan?

Wide Lender Panel

We work with major banks, credit unions, and specialist car finance providers to give you access to competitive rates you won’t find going direct.

No Credit Score Impact

Our smart comparison technology lets you see what you’re eligible for without making formal applications that could affect your credit file.

Expert Guidance

Our brokers understand the car buying process and can advise on timing, negotiation strategies, and structuring your loan for maximum benefit.

Fast Turnaround

We know you want to drive away in your new car as soon as possible. Our streamlined process is designed for speed without compromising on service.

New Car Loan FAQs

What deposit do I need for a new car loan? Typically lenders prefer a 10-20% deposit, but some lenders can approve loans with as little as 0% deposit depending on your circumstances.

Can I include extras in my car loan? Yes, many lenders allow you to finance accessories, extended warranty, insurance, and registration as part of your car loan.

What’s the difference between secured and unsecured car loans? A secured loan uses the car as collateral, typically offering lower interest rates. Most new car loans are secured loans.

How quickly can I get approved? Pre-approval can be obtained within 24-48 hours in many cases. Full approval and settlement typically takes 3-7 business days.

Ready to Compare New Car Loans?

Start your comparison today and discover how much you could save on your new car purchase. Our expert brokers are ready to help you find the perfect finance solution.