Car Loans Sydney | Sydney’s Car Loan Specialists

Rapid Loans will help turn the dream 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

Rapid Loans now offers online car loans

Rapid Loans offers new car loans from $5,000 to $25,000 and we make the process simple, fast and secure. Apply online and our friendly, helpful car loans 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 on your new car loan.

Not working full-time? No problem! You are welcome to apply for a car loan 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 new set of wheels.

Loan amount

Please Select
  • $ 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?

Please Select
  • Weekly
  • Fortnightly
  • Monthly

Rapid Loans

How online car financing works

Say you go car shopping in the morning and the find 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 form for the full amount.

If everything in your car loan application is in order, you can have your 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 car loans are safer for both the lender and the borrower, they offer better interest rates and lower fees. If you choose a car loan with a fixed interest rate, the interest rate will stay the same during the loan, so you can budget how much you need to repay every month. Unsecured car loan are quite uncommon. With an unsecured loan,  you don’t have to provide your car as security. But the interest rate will be higher and you won’t be able to borrow as much. Because of this, unsecured car loans typically come with higher interest rates and potentially fees as they are riskier for the lender. Unsecured loans will require you to arrange the payment yourself.

Rapid Loans 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 repayments terms available.
  • All cars must be comprehensively insured for the duration of the loan term.

Car Finance Sydney with Rapid Loans

Car sale sydney

Car loans are better called a ‘vehicle loans’ as they cover trucks, motorcycles, boats and caravans too. In getting a new car loan, a borrower can either apply for conditional pre-approval for a certain amount before they go shopping for a new car, or they can find a vehicle, 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 new car in your driveway tomorrow with the help of one of our car loans with flexible repayments schedule.

Apply now for a rapid response

When you need a new car, you may not have much time to prepare. Perhaps your old car broke down and you need a replacement immediately, or you want to snap up the perfect new or used car from the lot before someone else nabs it. When you need quick but trustworthy financing for your car purchase, you can rely on Rapid Loans for individualised car loans designed for your unique circumstances.

Benefits of Using Rapid Car Loans Sydney

When it comes to car loans, you have plenty of places to turn these days. However, it is important that you choose a car loan company that you can trust. At Rapid Loans, we operate our business on three main principles that we believe make the car loans process easy for our customers. This includes the following benefits.

  • Quick and easy car loan applications that can be completed online
  • Payments generally within 24 hours following car loan approval
  • Incredible customer service during every step in the process

Enjoy an Easy Application Process

We know that shopping for a new car can be stressful enough without having to worry about the financial aspects of this major purchase. By taking away the stress of financing your new car, we help you stay focused on what is most important. Getting the cash that you need at the right time does not have to be difficult when you choose Rapid Loans.

When you work with us, you do not have to worry that the car loan application and approval process will take up too much time or become too confusing. We keep the entire process as simple as possible so that you can focus on finding the best new car for your needs instead of worrying about the financing.

Get a Fast Response On your Car Loan Application

Loan Instruction

Most car loans application processes take only a few minutes, and you will get a response from a friendly customer service representative quickly. Instead of having to head to the bank or sit in a waiting room for hours, you can complete the entire car loan application process from your own home.

Find Tailored Car Finance Options

We know that your finances do not match anyone else’s. That is why we treat each customer with individualised care, taking the time to understand your unique financial situation to make certain you can make the weekly, fortnightly or monthly repayments. Our goal is to help you get the car that you need and want and to get you on the road as quickly as possible. Individuals who are not working full-time, including people in the following situations, can still apply for car loans to see if they are eligible.

  • Part-time workers
  • Casual or as-needed workers
  • Subcontractors
  • Self-employed individuals
  • Those receiving government benefits
  • Drivers who only hold learners’ permits

Work with a Talented Customer Support Team

Our customer service team is among the friendliest you will find, and we are passionate about helping you achieve your financing goals. Plus, we offer the knowledge of specialised car finance consultants to help you with any questions that you might have.

Car loans sydney

Score a Secured Personal Car Loan

Before applying for a car loan with us, you should know the following information.

  • You must show proof of continuous income for the past three months.
  • You must show proof of your place of residence.
  • If approved, you will have car loan options for weekly, fortnightly and monthly repayments.
  • You must have proof of comprehensive car insurance during the length of the loan.

Find Peace of Mind with Two Weeks of Pre-Approval

If you would like to shop for your next vehicle with peace of mind, you will enjoy our conditional pre-approval car loan offers that last for up to two weeks, giving you time to find the perfect car for you. We can pre-approve between $5,000 and $25,000 in loans with this process.

When you are looking for Car Loans in Sydney, you can rest assured that using Rapid Loans as your lender is the smart choice. With plenty of customised repayments options, if you’re approved, Rapid Loans offers secured car loans so that you can go vehicle shopping when it is convenient for you. Choose us and take your first step to buying the perfect vehicle for your lifestyle.





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 finalized 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 interest fixed rate loans 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.


Rapid Loans
Apply now for a Car Loan
Apply now for a Personal Loan

Katrina, Redan

When it came time to move into a new property, I knew if I saw something I liked, I’d need to come up with the money for a bond very quickly. So when I found my ideal property, I also found Rapid Loans online and it was an even quicker process to get the money I needed for the bond. I’d never borrowed money online before, but if you need cash quickly, I’d recommend Rapid Loans as your first click.

Christina, Mawson Lakes

I needed some money to pay off two smaller loans and part fund a family trip to the Philippines. I was blown away by how fast and efficient Rapid Loans was, always keeping me in the loop during the process and making me feel like I was their only client. A big thank you to Rapid Loans for their excellent service

Alex, Sunshine West

I had a few unexpected bills to pay off and I needed a bit of extra cash fast. I couldn’t believe how quick the whole process was with Rapid Loans – from applying for some extra cash to actually getting it in my bank account. Now I can pay off my unexpected bills in my own time, knowing exactly how much my repayments are

Kim, Caloundra

We got to the stage where one car was just not enough for us with everything we needed to do during the week and on weekends. So I applied for loan with Rapid Loans to buy a second car and I couldn’t believe how easy and simple it was to secure the funds we needed. Our repayments are all structured and we know exactly how much we need to pay off and now we have the second car we desperately needed. Would I recommend Rapid Loans to friends or family? Well I already have!


July 14, 2022

Best Ways to Consolidate Debts

Debt can add up quickly and sometimes before you know it, you may find your financial situation has escalated into stressful territory as you owe money to a number of different people or providers. Paying off multiple debts at the same time can be complicated and challenging but debt is usually a part of life… [Read More]