Car Loans Perth
Rapid Loans will help turn the car you’re thinking about into the car you’re driving. Whether at a dealer, or an auction, or parked on the street with a sticker in the window, wherever you find your next car, you’re going to need a car loan provider who will help you get it quickly.1
Online car loans with Rapid Loans
Rapid Loans offers online car finance from $5,000 to $25,000 and we make the process simple, fast and secure. Apply online and our friendly, helpful loan consultants will help you find a a car loan solution that suits your needs. We can even grant up to 2 weeks of conditional pre-approval for a loan amount up to $25,000 on your car loan.
Not working full-time? No problem! You are welcome to apply for finance if you are:
- Employed part-time or as a casual
- A subcontractor or self-employed business owner
- Receiving government benefits
- On your learners permit
Car Loan Calculator
Use our simple car loan calculator to find out how much you can borrow towards your buying a new or used car.
Loan amount
- $ 7,000
- $ 8,000
- $ 9,000
- $ 10,000
- $ 11,000
- $ 12,000
- $ 13,000
- $ 14,000
- $ 15,000
- $ 16,000
- $ 17,000
- $ 18,000
- $ 19,000
- $ 20,000
- $ 21,000
- $ 22,000
- $ 23,000
- $ 24,000
- $ 25,000
How often do you get paid?
- Weekly
- Fortnightly
- Monthly
*Estimated repayments start at

How online car loans work
Say you go car shopping in the morning and the find the make and model of the car you want. It might be one of Australia’s favourite cars – a Toyota Camry or HiLux, or a Mazda 3, or a Holden Commodore – or it might be something a little different. Say the price is $10,000. With Rapid Loans, you can fill out our simple online car finance form for the full amount. If everything in your loan application is in order, you can have your car finance approval within hours.1
Apply for your next car loan
What is a secured car loan?
A secured car loan is a lending agreement where the asset acting as security for the loan is the vehicle being purchased. Because secured loans are safer for both the lender and the borrower, they offer better interest rates and lower fees. Unsecured car loans are quite uncommon. Rapid Loans does not have unsecured loans as an option.
Our car loans facts
- You must be able to show 3 months of continuous income and place of residence.
- All kinds of government pensions and benefits can be conditionally accepted.
- Weekly, fortnightly and monthly repayment terms available.
- All vehicles must have comprehensive insurance for the duration of the loan.
Best Car Finance Perth with Rapid Loans
A car loan is better called a ‘vehicle loan’ as it covers trucks, motorcycles, boats and caravans too. In getting a vehicle loan, a borrower can either apply for conditional pre-approval for a certain loan amount before they go shopping, or they can find a make and model, negotiate a price and then approach a lender to access the necessary funds.
Call Rapid Loans on 1300 727 431 to discuss how you could be parking a used or new car in your driveway tomorrow.
If you are looking for car loans in Perth, you might be wondering what options are open to you. We stand behind our company and do what it takes to provide an easy and straightforward loan application process. Our goal is to get you behind the wheel of your next car or truck as soon as possible, and you will be happy when you see what we can do for you. Discover the benefits of choosing our car finance company instead of going with the competition, and you will be pleased with the outcome.
Quick and Easy Application
If you are like many people in the market for a new or used vehicle, you dread the long and complex application process. You don’t want to sit in an office and fill out tons of paperwork when you could be driving down the road in your next vehicle. The good news is that you don’t have to fill out complex finance applications when you get car loans in Perth. Our team makes the process as fast and simple as possible, and you can do it all from the comfort of your home. We keep our loan application process short because we know you don’t want to waste any more time than needed.
Quick Response
Buying a new or used car is an exciting experience for anyone, and you want to have your car or truck in your driveway without unneeded delays. Some people contact a vehicle lender and end up waiting days or weeks for a response. You won’t need to worry about that issue when you come to us because we offer a fast response to each client who reaches out to our caring and dependable team of car loan experts.
Nobody wants to wait for a response when they are in the market for their next vehicle, which is why we never waste your time or delay the process longer than required. Our goal is to get you in your dream car so that you can move forward and enjoy your new purchase. We care about our clients and promise to treat you like family each step of the way. When you are searching for your next car or truck, we can help you decide what lending options work for your budget and needs.
Tailored Car Finance Options
Not all clients are the same. We understand that your needs are different from the needs of the other clients we are proud to serve. For that reason, we take the time to learn about you and your financial situation.
We are ready to move you toward your next secured car loan. When you get a loan through our company, you secure the loan with the vehicle you are buying. Securing your loan with the car or truck you buy is one of the most common ways to get a car loan. Let one of our experts know if you would like to learn more about our secured personal car loans in Perth.
Two Week Pre-Approval
While you can choose to find the vehicle that you want before applying for a loan from Rapid Loans, we offer up to two weeks of conditional pre-approval for a specific loan amount if you are looking to be cashed up and ready to buy. This brings several benefits with it, including the following:
- Be ready to drive away with the dream car when you find it
- Show sellers that you are a highly suitable buyer.
- Improve your negotiating power.
- Know the amount you can spend before shopping.
Getting Started
Getting a new car or truck does not need to be a difficult or challenging process, and we can get you moving in the right direction in no time. Come to us with any questions, concerns or needs you have, and a member of our team will answer them for you. You can take as much or as little time as you need to decide what path is best for you and your budget.
We can help you determine the loan amount you can apply for and what lending options work with your situation if you don’t know where to turn. If you would like to get behind the wheel of your next vehicle without unneeded delays, make sure to contact our lending team today.
FAQ
How do I buy a car that is under finance?
When you are buying a second-hand car privately, it is essential to check whether a finance institution holds any security against it. We can find out this information by running a PPSR check on the vehicle you want to purchase. As the car you are purchasing acts as security for your loan, the seller will need to repay their original finance company before the sale can go ahead. There are two ways to do this.
The first is that the seller can obtain a payout quote from their financier, repay the outstanding amount and provide proof that the final payment has been made. The second way is that if they are relying on the sale of the car to repay the financier, then they can provide the official payout document to Rapid Loans and we will disburse funds straight to their financier as part of the new car loan. If there are additional funds from the sale leftover after the original loan is paid out, those will then be disbursed to the seller.
What is a p.a. comparison rate?
The comparison rate gives you a true understanding of the cost of the loan per year. In addition to interest rate charged, it adds the cost of fees and charges, repayment frequency, loan term and loan amount.
What loan terms do you offer?
Our loan terms vary from 18 to 60 months with loans ranging from $2,001 up to $25,000. This will depend on the product, loan amount and other factors.
What is a balloon payment?
A balloon payment is a significant extra payment made on your loan that is greater than your normal repayment. A balloon payment can be made at any time of the loan term and will reduce the loan term and interest charges for that loan. We do not require balloon payments at Rapid Loans, however the option is available to you to make extra repayments without incurring any fees.
What does pre-approval mean?
Applicants are able to apply for pre-approval for finance before making an offer for a car. Pre-approval means that the applicant has already gone through the application process and has been found that they satisfy the criteria to get a loan of a specific loan amount. This gives the applicant to the reassurance that they can afford a car within a specific budget. When the applicant has found a car to purchase, the loan application can be finalised with any conditions being met to receive final approval, contracts signed and funds disbursed.
Do you offer fixed interest rates?
Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as borrower profile, loan product and principal amount.
Do you charge early repayment fees?
No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule.