Car Loans Brisbane

Car finance with fast approvals, low rates and flexible repayments through Savvy.

No obligation. It won't affect your credit score.

Last updated on April 19th, 2022 at 03:18 pm by Thomas Perrotta

Low rate car loan options in Brisbane

Looking to save on your new car purchase in Brisbane? Savvy can help you finance your car quickly and easily, all from the comfort of your own home. We’ve partnered with a wide range of Australia’s top vehicle financiers to ensure our customers can compare and choose from the widest range of car loans.  

You can customise your car loan to your liking with competitive interest rates and a number of flexible features, such as 100% finance, added deposits, flexible repayment schedules, free additional repayments and no early termination fees. 

With over ten years of experience in the field, our online car finance consultants can help source the best quotes for you no matter where you live, from the Gold Coast all the way up the east coast to Townsville and Cairns. Get a free, no-obligation quote today to get your application started. 

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Our car loan features and benefits

Access competitive rates from 3.99% p.a.

With Savvy, you’ll gain access to some of the cheapest car loans on the market, with comparison rates starting from just 4.36% p.a. 

Borrow up to your car’s value

You’re only restricted by what you can afford to pay back, with amounts starting from $5,000 up to the maximum value of your car. 

Choose from cars across the country

You’re not just limited to cars in Brisbane. We’ll help you source financing for your ideal car, whether it’s in the city or across the country. 

Repay your loan between one and seven years

Select your repayment term to suit your financial needs, with the choice between one and seven years directly impacting the cost of your instalments. 

Enjoy flexible repayment schedules

Additionally, you can decide whether to repay your loan on a monthly, fortnightly or weekly basis, depending on which suits you the most. 

Free extra repayments

We partner with lenders who enable you to make additional contributions towards your loan sum above the minimum, which saves you money. 

New or used

Whether your car is fresh off the manufacturing belt or has had up to 20 years on the road, we’ll find a lender that can approve your application. 

Funds in your account in 48 hours

The entire application process is very fast, with the time between your quick quote and receiving your funds potentially only taking two days. 

Why Brisbane borrowers look to Savvy for their car loans

Your estimated repayments


Total interest paid: $1233.43
Total amount to pay: $5,143.99

Frequently asked car loan questions

Can I borrow to cover other car-related costs?

Yes – in addition to buying the car itself, your Savvy consultant will help you if you wish to borrow to pay for other expensive on-road costs like stamp duty, vehicle registration and extended warranties.

How do I know if I’m eligible to apply for a car loan?

If you’re over the age of 18, an Australian citizen, permanent resident or acceptable visa holder and earn at least $26,000, you can apply for a loan for your car. We can help borrowers with many income streams, such as PAYG and self-employed workers, as well as those who count Centrelink benefits amongst their annual income.

How quickly can I start driving my new car?

If you’ve bought your car locally, you can receive it and start driving within 48 hours. However, it’ll take longer than that time for your car to reach you if you’ve chosen one from interstate.  

Does Savvy only offer lenders operating in my state?

No – we have access to a wide range of lenders not just locally, but nationally. We can provide you with options across a wide selection of lenders, ensuring you get the best possible chance of finding the right deal to suit your needs and save money.  

Should I choose a deposit or balloon payment for my car loan?

A deposit is an effective way for you to save money on your car loan by reducing your overall loan amount, which reduces your total loan repayments and interest.

If you don’t have the funds on hand to pay a deposit but still want to reduce your monthly repayments, you can opt for a balloon payment, or residual, instead. This requires you to pay a lump sum at the end of the loan instead of the start, but they don’t save on interest in the same way as deposits. Because your interest amortises to a higher end point to account for your residual, you pay more in interest than with a deposit. 

What’s the maximum age car I can buy with finance?

We partner with lenders who can finance cars up to 20 to 25 years old, while others don’t enforce a maximum age for cars at all. Speak with a Savvy consultant about your finance options if you’re looking to buy an older model.  

Should I go for 0% finance at my dealership instead of a loan?

0% finance looks good on paper, but borrowers usually find that it’s too good to be true. Dealers often inflate the cost of the car to make up for its lack of interest earnings, which means you won’t be saving as much as you think (if anything at all). Additionally, 0% finance usually only lasts for a set period before reverting to a high interest rate. 

Can Savvy help me get car financing if I have a bad credit score?

Yes – we partner with many flexible lenders who can work with customers with bad credit scores and more complicated financial histories. Even though many mainstream lenders won’t be able to help those in that position, we can help find you a lender to cater to your financial needs.