Car Finance Australian Capital Territory
Have you been looking for car loan options in ACT? Let Savvy help you with personalised low rate car loan options today.
Fact checked
Do you want faster, simpler car finance in the Australian Capital Territory? Would you like to compare more car loan lenders and rates from all over the country?
Savvy offers competitive car loans in ACT, including Canberra and other regional areas. We work with over 25 reputable lenders specialised in car finance for personal and business use including people with bad credit rating. Find out your monthly repayments, car loan interest rates and get pre-approved with us today and drive your car with a better deal.
Competitive fixed interest rates
Flexible loan amount from $5,000
Weekly, fortnightly or monthly repayments
No early termination fees
Secured against value of your car
Self-employed
100% finance available
Anywhere in ACT
Our range of car loan options to suit all your needs
Why choose Savvy for your car loan?
National coverage
We offer car loan deals from over 25 lenders in ACT and beyond, whether you live in Canberra or regional areas.
Get expert help
Don’t go it alone – you can get help with applications and qualify for car finance quicker with a Savvy consultant.
Reputable lenders
Savvy partners only with fully licenced, specialist lenders in the automotive field to bring you fairer car finance offers.
What our customers say about their finance experience
Savvy is rated 4.8 for customer satisfaction by 5011 customers.
How to quality for a car loan?
Check your eligibility
You’ll need to show proof that you’re at least 18, have a permanent address and are an Australian citizen or resident – although, you can still qualify for car finance in the ACT on some temporary visas.
Lenders will ask for ID in the form of a driving licence or passport, for instance.
Some loan providers will also need to see your Medicare card and a recent utility bill.
Your credit score
The lender will check your credit report. Any past late payments or defaults will work against you on two fronts when applying for a car loan: they’ll affect the interest rate you’re offered and, in more severe cases, could see your application rejected altogether.
When that happens, you can switch your focus to lenders who consider applications for bad credit car finance from borrowers in the Australian Capital Territory.
Your employment history
When you fill out your application form, you’ll be asked for details about your job and income, plus any regular expenses you need to pay. You’ll need to supply copies of payslips and bank statements.
If you’re self-employed, the lender will need to see at least a couple of years’ worth of accounts and tax returns to verify your income.
Your assets and liabilities
If you have any assets and liabilities, such as additional vehicles, property, or shares, the lender will ask for mortgage statements and details of ownership.
If you have other borrowing, like credit cards and personal loans, you’ll also need to show statements for those.
Your car details
If you’re applying for a secured car loan, the lender will need details about the vehicle you intend to buy, and they will stipulate minimum insurance requirements.
Before they settle the loan – typically by paying the vendor directly, you’ll need to provide an invoice for your purchase.
