Car Loans Western Australia

Compare affordable car finance options with Savvy and drive away with a great deal wherever you are in WA.

No obligation. It won't affect your credit score.
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, updated on July 4th, 2023       

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Low rate car finance options in Western Australia

Finding the right car loan for you in a sea of competitive lenders and rates can seem a daunting prospect to take on by yourself. That’s why, when it comes to finding the right lender and loan to purchase their next vehicle, many Western Australian motorists from Port Hedland to Perth to Pithara choose Savvy.

From Esperance to Kalgoorlie, we’ll help you find the best car loan to suit your individual needs from our panel of over 25 of Australia’s leading car financiers. Compare low rates and fees and flexible repayment options when you submit a quote through Savvy, which will only take you a few minutes to complete. Get started with your application today and own your next car in a matter of days.

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Our car loan features and benefits

Competitive interest rates

With offers starting from a very low rate, you can lock in your car loan deal with an affordable interest which remains across your loan.

Flexible repayment terms

You can pay back your car loan over anything between one and seven years, offering options for borrowers who want to reduce overall interest and make monthly payments more affordable.

No deposit necessary

Borrowers are given the choice of making a deposit on their car loan or borrow up to the entire cost of their new vehicle and repay it on their terms.

Buy a car anywhere

You’ll have the choice to buy new and used vehicles from dealerships, private sellers, and even internet auction sites, with flexible lenders who can accommodate your needs.

Cover all your costs

Use a secured car loan to cover the costs of additional vehicle purchase expenses like registration and stamp duty to pay them off with the rest of your loan.

Fixed interest rates

Gain the certainty of fixed interest so you can budget for your new vehicle purchase confidently, with repayments unchanging during your term.

Here’s why Western Australians save money with Savvy

How to reduce your monthly car finance payments

Frequently asked car finance questions by WA drivers

How much can I borrow?

The exact amount you can borrow for a car is determined when the lender examines your credit score and other elements of your car finance application. How long you’ve been in your current job, whether you’re asset-backed (own property) and your disposable income all play major parts in that decision. Different lenders offer different borrowing ranges when it comes to car finance, but you can generally borrow from just $5,000 up to $100,000 and beyond.

How quickly can I be approved?

We can help you have your loan turned around from quick quote to settlement and the release of funds in as little as 48 hours. Car loans work quickly, allowing you to get on the road in no time, especially if you need to urgently replace your existing vehicle as a means of getting to work.

Can I use a trade-in with car finance?

Yes – there’s nothing stopping you from trading in your vehicle and borrowing the balance of the cost of your new car. Unlike with dealership finance, borrowers are free to sell their car privately too, which typically results in a better price and lower borrowing costs.

How do self-employed Western Australians finance their car?

Western Australians have several options for commercial car finance, including leases, loans, and even rent-to-buy. You’ll need to be using your vehicle for work 50% of the time or more to qualify for business car finance.

Can I buy an older second-hand car with finance?

Yes – Savvy partners with lenders who can finance cars up to 25 years of age at the end of your loan. If you’re looking at a classic or very old vehicle, you could consider a specialist classic car loan or personal loan, which doesn’t require that you use the car as security.

Can I access car finance with a low credit score?

Yes – however, bad credit car finance attracts higher costs when you borrow for a car, via the interest rate. You may also be more restricted when it comes to the choice of vehicle, as you won’t be eligible to access 100% financing for top of the range cars.

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