Car Loans

AAA Finance and Insurance are the quick and easy car loans specialists.  In fact, we can have you behind the wheel of your new car in no time!  With over 95 years of combined experience we are the experts in car loans.  We also have over 40 different lenders to select from, which means, we will get you the lowest interest rate possible.  In addition, we have a wide range of different car loan options to suit a diverse group of situations. Call today to drive away!

Car loan options

AAA Finance can offer you a variety of car finance options.  Further more, each of these options can be individually customised to suit your requirements.

Wage earners

There are 2 consumer car loan options for those earning wages.

  1. Consumer Secured Car Loans
  2. Personal Car Loans

Business owners

We also offer business car finance solutions for small to medium businesses and self-employed ABN holders.

  1. Low doc car loans
  2. No doc car loans
  3. Chattel Mortgage Car Loans

Why use AAA Finance?

Quick and Easy Car Loans | AAA Finance

Competitive interest rates

At AAA Finance and Insurance we have access to a large range of lenders, over 40! Our job is to select the lender that suits your individual circumstances. As a result we can get you the most competitive, low cost interest rate available. Loan terms range from 1 to 7 years. In addition, we can finance new and used cars whether you purchase it from a car dealership or private seller.

Pre-approved car loans

We highly recommend gaining a pre-approved car loan. This is because it provides you with more negotiating power when purchasing your next car. Shop with the knowledge that your funds are pre-approved. Then you can focus on locating your perfect car.

Quick and easy car loans

AAA Finance offers a quick and easy car loan approval process. Most car loans are approved within 24 hours.

We offer simple over the phone car loan applications that take 5 to 10 minutes. Call one of our experienced and friendly car finance specialists today on (07) 5493 1222.

We can also email you the application form for you to complete in the comfort of your own home. Simply email back the completed form along with any requested information.

Car loan calculator

Try our easy to use Car Loan Calculator.  It calculates a fortnightly or monthly repayment amount. All you have to do is input an estimate of  interest rate, term in years and car finance dollar amount. Your individual profile and previous credit history determine your interest rate.

Useful link

Department of transport and mains roads has information on registering your new vehicle purchase as well as tips on buying a used vehicle.


* Your actual interest rate will be based on a number of factors, including the type and age of the asset you are seeking to purchase; the information you provide during your application and the term of the loan. This rate may be different from our lowest advertised rates. The Comparison Rate is calculated on a Secured Loan of $50,000 fixed for a term of 5 years, effective 9/11/2023 and subject to change. The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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