Get Your Loan Sooner.

The right car loan. Without the hassle. Or the guesswork.

We look after the finance while you find the right car.

Naked Loans has access to the lowest rates and best deals available in the market today.

We have over 30 lenders on panel to find the right loan for you.

We offer all types of car loans and insurance for both personal and business use:


Need something big? Get it today.

One simple application gets you the funds in your account for that next big purchase. As we compare the lenders for you, you can rest easy knowing you got the best deal possible.

Bad credit? Been rejected before? We can help you too. Minimum loan is $5,000


Do I need to be employed to get a car loan?

No, you don’t need to be employed to get car finance you just need to earn over $400 a week. At Naked Loans, we’ve helped thousands of people get a Centrelink car loan – so can use our skills to get you the right deal.   

How does car finance work?

Car finance helps you get behind the wheel of your dream car without spending years saving. You borrow money from a lender, who charges interest on the amount you borrow. Pay it back via regular monthly instalments. Once your loan is fully paid off, you own the car outright.


Here’s why people pick us.

Naked Loans is about providing second chance finance. We believe everyone should be given the opportunity to apply for finance and here at Naked Loans we encourage everyone to apply with our ‘All applications considered’ policy.

Naked Loans is about giving you a second chance and on your way.


We make getting a loan easy. Whether you need financing to buy a new car, renovate your home, go on the family holiday of a lifetime, or something else, a great deal on a loan is your ticket to moving ahead with your plan. When you apply with Naked Loans, you can expect a simple, hassle-free process. We have no-obligation approvals. And, you can check your eligibility online today! Go ahead – what are you waiting for?

We believe getting the money you need to live your life shouldn’t be difficult. Unlike with traditional lenders, at Naked Loans, you can get a loan even if you have bad credit. We provide second chance finance; if you’ve been rejected by other lenders, we can still help you.

With over 30 lenders on our panel, we help borrowers from all walks of life apply for financing so they can get a great loan. Not only that, but we make it a priority to offer our customers low rates and 5-star service. It doesn’t matter if you have a less-than-perfect credit history. Our expert brokers are here to make getting a loan simple and painless. Contact us today to get started.

When you buy a car, you can use the dealer to handle the financing process for you, or you can get a loan from a bank or other lender first. The problem with using a dealership is you usually need good credit to be eligible. Also, this option isn’t likely to be available if you’re buying a used car. When you go directly to the broker for car loans, you have access to a large range of competitive car loans – at Naked Loans, you can compare loans from 30 lenders. As a result, you’ll be able to choose the lender and the loan that works for you.

Car loan rates vary widely. Factors such as your credit history, how much you’re borrowing, the length of your loan, prevailing rates, and what lender you choose will impact how much you’ll ultimately pay in interest. A rate of 4 per cent is a good finance rate for a secured car loan, although rates may vary between 3 and 10 per cent. For an unsecured car loan, rates may go up to 15 per cent.

The best car loan rates in Australia are between 3 per cent and 5 per cent. These ultra-low rates are available with secured loans only. You may also need to have a clean credit history to get a rate that low from most lenders.

At Naked Loans, we are able to find the best deal possible on car loans, including competitive loans if you’re interested in refinancing your current car loan. Whether you want to save money by refinancing or you’re ready to buy a car and want to find out what loans you qualify for, we can help. You can also explore our car loan calculator to find out how much your payments will be based on the loan amount, interest rate, and loan term.

Let’s face it – getting a personal loan can be overwhelming. From alternative lenders to the big banks, you have a lot of options. At Naked Loans, our experienced brokers know how to simplify the process of applying for a personal loan. We’ll help you make an informed decision. With our huge panel of lenders, you can also have total confidence that you’re accessing the best possible lending options for your unique situation.

And, we promise a judgement-free experience. You don’t have to fit into a box to get a loan. That’s not how life works. It’s not how lending should work either. Learn more about applying for a personal loan with us.

Rates for personal loans vary widely. The cheapest rates are available for those with a good credit history and minimal existing debt. But, even with a few hiccups in your own financial past, you may still be able to qualify for a personal loan with a rate below 10 or 12 per cent.

If you are applying for a secured loan, you’ll be more likely to qualify for the lowest rates. A secured loan simply means using an asset as security for the loan, such as a car or property. The length of your loan term also impacts the rate. At Naked Loans, we offer personal loans ranging from 12 months to 84 months. Apply today – we can even help those who have been turned down by the banks.

The stronger your credit is, the more likely you’ll be able to qualify for a low rate on a personal loan. But, even if you have poor credit, you can still get a great loan. Our loans are suitable for people with good credit or bad credit. As long as you have a minimum income of $30,000 a year and meet other basic criteria, we can help you get a personal loan. The best part? We’ll never judge you based on your credit. That’s a promise.


We have built a panel of Australia’s leading and reputable lenders and insurers to make sure you get the best deal possible.