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Understanding Secured vs Unsecured Car Loans
Learn the key differences between secured and unsecured car loans in Australia, and how each option may suit different vehicles and borrower situations.
Secured vs Unsecured Car Loans Explained
When financing a vehicle in Australia, car loans generally fall into two main categories: secured and unsecured loans. The key difference between them is whether the loan is backed by an asset.
A secured car loan uses the vehicle you’re purchasing as security for the loan. This means the lender registers an interest in the car until the loan is fully repaid.
Because the loan is backed by the vehicle, the lender takes on less risk. As a result, secured loans often come with lower interest rates and potentially larger borrowing limits. They are the most common type of car finance in Australia, particularly for newer vehicles that meet lender requirements.
An unsecured car loan, on the other hand, does not use the vehicle as security. The lender approves the loan based on factors such as your income, credit history, employment stability, and ability to repay the loan.
Because the lender carries more risk without collateral, unsecured loans typically have higher interest rates and sometimes lower borrowing limits.
Another difference is flexibility. Secured loans may have conditions on the type and age of the vehicle, while unsecured loans can sometimes be used to purchase older cars, private sales, or vehicles that don’t meet secured loan criteria.
Both loan types allow borrowers to spread the cost of a vehicle over time through regular repayments across a set loan term, usually between one and seven years.
In simple terms, secured loans usually offer lower rates but require the vehicle as security, while unsecured loans provide more flexibility but may cost more in interest. Choosing the right option depends on the vehicle you’re buying and your financial situation.
Asset & Personal Finance
Ausloans
Car Finance Solutions
We provide a. broad range of finance options for Perth individuals, tradies and businesses including:
New Car Loans
Finance for brand-new vehicles purchased through Perth dealerships or ordered directly from manufacturers. We help structure repayments and terms that suit your needs.
Used Car Loans
Buying a second-hand vehicle? We arrange used car finance for dealership and private purchases across Perth, matching vehicle age and lender policy carefully.
Private Sale
Purchasing directly from a seller? We guide you through the private sale finance process, including lender requirements, vehicle checks and settlement steps.
Self Employed and ABN Car Loans
Business owners, contractors and ABN holders can access tailored car finance options in Perth. We understand alternative income documentation, lender policy differences and can help you structure a blloon payment option to keep cashflow in your business.
Car Loan Refinance
Refinancing may help reduce repayments or improve your loan structure. We compare refinance options across our lender panel.
Calculate, Call or Check Your Finance Options
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Estimate Repayments
Get a fast repayment estimate using our simple loan calculator, then continue to the full calculator for a more detailed breakdown.
Talk to Our Team
Speak directly with an Ausloans finance specialist for help comparing lenders, understanding your options, or getting started.
Check Your Eligibility
Complete a fast no-obligation pre-check to see if you qualify for finance and whether lenders are likely to be available for your situation.
Our Loan Process
How It Works
At Ausloans Perth our specialist finance brokers compare options from over 70 Australian lenders to secure finance that fits your goals.
Apply online in minutes
Complete our quick online application in minutes. Share a few details about yourself, how much you want to borrow and the asset you want to finance
Smart AI lender matching
Our smart AI compares lenders and accurately matches you to options suited to your credit profile - no generic offers or guesswork.
Broker review & submission
Yourbroker walks you through your best options, answers your questions and once you're ready, submits the application on your behalf. No long forms.
Approval & settlement
Approvals can occur within 24-48 hours. If approved we guide you through the settlement process so you can collect your vehicle or access your funds.
Local Finance Brokers
Why Finance Your Next Car With Ausloans Perth
Getting approved isn’t just about credit scores — it’s about knowing which lender fits your situation. We consider factors such as:
Accredited Brokers with Broad Lender Access
We’re accredited with a large network of automotive and bank lenders, giving you genuine choice.
70+ Lenders — More Choice, Better Options
More lender access means more flexibility in rates, terms and approval pathways.
Finance for New, Used & Private Sales
We structure loans for all vehicle types and purchasing scenarios.
Perth-Based Broker Support
Work with a loc al finance specialist who support you from application to settlement.
Fast Turnaround
Pre-approvals are often available quickly, with settlement timeframes depending on lender requirements.
Smart Pre-Check Technology
Explore your eligibility and lender options before committing to a full application.
Local Car Loan Brokers Servicing Perth
Car finance in Perth can vary depending on the year, make and model of the vehicle, and whether it will be used for business or personal use.
While we operate Australia-wide, Ausloans Perth is focused on supporting customers throughout the Perth metro, including:
- Perth CBD
- Fremantle
- Joondalup
- Midland
- Wanneroo
- Surrounding suburbs and regions
Whether you’re buying a new car through a Perth dealership, upgrading, or purchasing privately, we help you compare suitable car finance options with clear guidance and a streamlined approval process.
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Car Loan FAQs
Find answers to common questions about used cars, private sales, refinancing, trade-ins and what can be included in a car loan.
Yes, many lenders offer car loans for private sale vehicles — not just dealer purchases.
You can often finance a used car purchased through a private seller, including vehicles listed on Marketplace, Gumtree or Carsales.
The lender will usually want extra checks completed before settlement, such as confirming ownership, verifying the seller’s details and making sure there’s no existing finance owing on the vehicle. Private sale car loans can be a great option if you find a better-value vehicle outside a dealership.
Yes, but older cars can be harder to finance depending on the lender and the vehicle’s condition.
Many lenders have age limits for secured car loans, which means older vehicles may not qualify under standard policy.
In those cases, you may still have options through specialist lenders or unsecured finance, depending on your income, credit profile and the car’s value. The older the car, the more important it becomes to match your application to the right lender.
Yes, but the remaining loan balance needs to be factored into the new purchase.
If your current vehicle still has finance owing, the payout amount is usually included as part of the trade-in and settlement process.
If the car is worth more than the amount owed, the difference may go toward your next vehicle. If you owe more than the car is worth, that shortfall may need to be paid separately or rolled into the new loan, subject to lender approval.
Yes, refinancing a car loan can help if your circumstances or loan options have improved.
Refinancing means replacing your existing car loan with a new one, usually to reduce your interest rate, lower your repayments or change your loan term.
It may be worth considering if your credit score has improved, your income is stronger, or your current loan no longer suits your budget. Before refinancing, it’s important to compare any exit fees, the new loan term and the total amount repayable.
Yes, many lenders allow eligible vehicle-related costs to be bundled into the loan.
Depending on the lender and how the purchase is structured, your car loan may be able to cover more than just the purchase price of the vehicle.
This can include on-road costs, dealer delivery, registration, insurance, warranties or approved accessories. Bundling these costs into the loan can reduce your upfront spend, although it may increase the total amount of interest paid over time.
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How It Works
At Ausloans Perth our specialist finance brokers compare options from over 70 Australian lenders to secure finance that fits your goals.
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