New & Used Vehicle Loans
Smarter Finance Starts Here.
At Smartway Finance, we help Australians explore tailored new and used car finance options with clarity and confidence. Whether you're purchasing through a dealership, securing a private sale, or refinancing an existing vehicle loan, we compare options from a broad panel of Australian lenders to find a solution suited to your circumstances. As an independent car loan broker, we focus on loan structure, total cost, and suitability — not just the advertised interest rate. All applications are subject to lender approval and eligibility criteria.
Rate
from 5.95% p.a.*
Available Loan Structures
What's Included
Why choose Smartway for new & used vehicle loans?
New and used vehicles from any dealership or private seller
Interest rate from 5.95% p.a. | Comparison rate 5.95% p.a.*
Flexible terms up to 84 months (subject to lender criteria)
Fast pre-approval — know your budget before you shop
Support with documentation, PPSR checks and settlement
All applications subject to lender approval and eligibility criteria
Common Questions
Frequently Asked
What finance options are available for vehicle loans?
A personal unsecured loan may suit borrowers who prefer not to provide an asset as security. A secured car loan uses the vehicle as security with terms up to 84 months. A chattel mortgage allows business buyers to take ownership while the lender holds security. A novated lease allows finance and eligible running costs to be managed through pre-tax salary.
Can I get finance for a used vehicle or private sale?
Yes — we can help finance vehicles bought from private sellers, dealerships, or auctions. We'll also assist with PPSR checks and ownership verification.
What is a low doc loan?
Low doc vehicle loans are available to business owners and self-employed applicants who may not have traditional income documentation. Lending criteria vary between providers and alternative verification methods may be accepted. All applications are subject to lender approval and eligibility requirements.
*Interest Rate: From 5.95% p.a. | Comparison Rate: From 5.95% p.a. WARNING: The comparison rate is based on a secured loan of $30,000 over a term of 5 years. This comparison rate applies only to the example given and may not include all fees and charges. Different loan amounts, terms, fees and charges may result in different comparison rates. Rates available to approved applicants only. All applications subject to lender credit assessment.
Ready to get started?
Apply in minutes or call our team — we'll compare options across 40+ lenders to find you the best deal.