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.

Jemma Pudwell
Jemma Pudwell
15 February 2024
We have used Jase from AAA Finance twice in the last 12 months, and he has been great to deal with. Communication was great, he was very proactive especially if anything may come up and were very quick in getting it all sorted in the best possible way to suite our situation. Highly recommend and will use Jase again in the future.
Ryan Smith
Ryan Smith
14 February 2024
Just finished my process with Ray from AAA finance. The man is unbelievably genuine and taught me so much throughout the process. This wasn't just about securing my finance and Ray showed that through immaculate service. Ray has educated me and shed light onto future projects only confirming where I'll be taking my business in the future. Absolutely phenomenal and wouldn't even consider using anyone else. Thanks again Ray!
Wayne Roby
Wayne Roby
29 January 2024
AAA were awesome at helping me out of a tight situation (and with bad credit file) ! they were friendly and quick to respond. i would highly recommend them
23 January 2024
Jason was professional, organised and very helpful in regards to the loan for camper van. I am very grateful to have spoken to someone who managed the process so easily, flexibly and was able to provide solutions. Thank you
Emily Dimitriou
Emily Dimitriou
10 December 2023
Jason has been absolutely wonderful to deal with and we couldnt be happier with his service. Top notch 😊
Katherine Menadue
Katherine Menadue
15 November 2023
I have just secured a loan through AAA Finance and Insurance to invest in an emerging business O2 for life. The whole process was simple and quick. Ray Wilson was excellent, available at all times to help with any queries. I would strongly recommend Ray and his business for any finance requirements.
Breanna Carr
Breanna Carr
26 October 2023
They are so easy to talk to, answered every question I asked no matter what question it was and they were just great.
Christopher Dyke
Christopher Dyke
17 October 2023
Getting finance is a big step to take and can be a bit daunting. AAA Finance makes the process so easy, which is the reason why I am a repeat client having now purchased multiple vehicles through using their service. You get genuine service from an honest team and assured you are looked after. Give them a go once, it’s all you’ll need!! Thanks AAA Finance!!
Marissa Carr
Marissa Carr
12 October 2023
Ray has been absolutely amazing. Thank you
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