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.

Yes, it’s possible to get a car loan with bad credit. At Naked Loans, we believe you deserve a second chance. So we work hard to find you a car loan that works for you, even if you have bad credit.

Yes, you can get a car loan when you’re self-employed. Lenders often want to see your business financials and proof of regular income. But don’t stress! We know the lenders that are happy with alternative income verification methods, so can help solve your problem.

Yes. While rejection is painful it’s not the end of your car ownership dreams. At Naked Loans, we’re experts in getting car loans approved even when you’ve been declined before.

Yes. At Naked Loans, we’re old hands at getting casual worker car loans approved so can solve your problem.

No, you don’t need to be employed to get car finance. 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.   

Yes. While most lenders prefer you to have a full driving licence, it’s not the end of your car ownership dreams. We’ve got years of experience helping Aussies just like you get the finance they need – so can solve your problem.

Yes it is possible. While most lenders don’t look favourably if your Part 9 debt agreement is still in place, we know the ones that don’t mind. So let Naked Loans solve the problem for you.

If you’re an Australian citizen or permanent resident, over the age of 18 and have some regular income coming in (including Centrelink payments) then the answer is yes!

Different lenders and different products require different documents. But expect to have to provide at the very least proof of your ID, income and any savings you might have.

Depending on your individual circumstances, you don’t need to have a deposit for a car loan. But deposit or not, we can help you get a competitive car loan that’s right for you.

Every person, every lender and every loan is different – so, unfortunately, there’s no set answer. But your borrowing power does depend on your financial situation including your income, savings, debts and credit history. 

Use our car loan calculator to estimate what your car loan repayments could be.

Yes, you can refinance a car loan. However, refinancing doesn’t suit every borrower so speak to our finance experts to work out if it’s right for you.

At Naked Loans, we can arrange loan terms of up to 7 years. But if you want it to be shorter, that’s ok too!

At Naked Loans, we believe that loans should suit your needs. It’s that simple. So if you want a car loan that you can pay out early, that’s what we find for you.

So you found your dream set of wheels, but it’s a private sale. Does that mean you can’t get finance? Certainly not, as we can solve your problem! Not only will we find you a great deal, but also help arrange the additional inspections lenders often require on private sales.

Yes, you can have more than one car loan at a time. However, it does depend on the lender and whether you can afford the extra repayments.

Yes, you can finance a second-hand car. It’s a great way of scoring yourself a deal, and we’re here to make the experience even better for you. We take the stress out of used car finance, so you get the keys faster!

Yes. Getting pre-approved for finance is a great idea. It takes the stress out of the process by giving you a firm budget and may help you negotiate a better deal. Speak to our finance experts about arranging your pre-approval today. 

Once we’ve got all your supporting documents, the response to your application should come through within one business day.

You don’t need to have a secured car loan. However, unsecured car loans typically come with higher interest rates as there’s more risk for the lender. Our finance experts are here to help you work out which type is right for you. Give us a call today.

At Naked Loans, we believe that loans should suit your needs. It’s that simple. So if you want a product that lets you make additional repayments, that’s what we find for you.

Yes, but selling a financed car to a private seller can be complicated as you don’t technically own your car. You need to speak to your lender to get their approval first and make arrangements to settle any outstanding debt.

Car loans come with several different fees depending on the product. Some of the costs you need to look out for include establishment fees, early repayment fees, and ongoing charges. At Naked Loans, we go through all the fine print with you so you know exactly what you’re in for before you sign on the dotted line.

Figuring out the right car loan can be complicated. You don’t just have to compare rates, but also term length, fees, features and repayment arrangements too. Take the guesswork and stress out of the process by speaking to our finance experts today.

No. While the dealer will often encourage you to use their finance, it’s not mandatory. Some dealers may try to tempt you by offering an enticingly low rate. However, the purchase cost of your car will often rise to compensate.

With a fixed-rate car loan, the interest rate stays the same over the life of the loan – so you don’t get any surprises. Variable loans can change at any time, either up or down. Both have pros and cons attached to them, so speak to our finance experts to work out which is best for you.

Car loan repayments can be expensive. So one way to make things easier is by making lower monthly repayments combined with a one-off lump sum payment (known as a ‘balloon’ or ‘residual’ payment) at the end of the loan. Please note the amount of interest you pay over the life of the loan will generally be higher when you choose a balloon structure over a regular structure.

The comparison rate takes into account all major fees that come with your loan excluding any early exit or refinancing fees (if applicable). As such, it’s a more accurate reflection of the true cost of your loan than the headline advertised rate.   

It’s completely free to use our services. That’s right. We find you a great deal with absolutely no cost to you. (We receive a commission from the lender instead.) What’s not to like?

You need to look at more than interest rates when it comes to car loans. That’s because a good car loan is a product that suits your particular circumstances and comes with the features you need. Complicated, right? Don’t worry as our finance experts can help you figure it all out!

The best way to shift the odds in your favour is to use the services of a broker like Naked Loans. We know which lenders to approach, so you are more likely to get approved.

Brokers take the hard work, time and effort out of shopping around for a great deal on car finance. As they know which lenders to approach, they also protect your credit rating. Best of all, brokers can save you money as they help you choose the right loan for you.