Car Loans Sydney | Sydney’s Car Loan Specialists

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

Rapid Loans now offers online car loans

Rapid Loans offers online car loans from $5,000 to $25,000 and we make the process simple, fast and secure. Apply online and our friendly, helpful 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 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 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 loans are safer for both the lender and the borrower, they offer better interest rates and lower fees. Unsecured vehicle loans are quite uncommon.

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 payment terms available.
  • All vehicles must be comprehensively insured for the duration of the loan.

Car Finance Sydney 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 amount before they go shopping, 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.

Apply now for a rapid response

When you need a new vehicle, you may not have much time to prepare. Perhaps your old vehicle broke down and you need a replacement immediately, or you want to snap up the perfect 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 individualized 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 loan company that you can trust. At Rapid Loans, we operate our business on three main principles that we believe make the financing process easy for our customers. This includes the following benefits.

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

Enjoy an Easy Application Process

We know that shopping for a new vehicle can be stressful enough without having to worry about the financial aspects of this major purchase. By taking away the stress of financing your vehicle, 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 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 car for your needs instead of worrying about the financing.

Get a Fast Response On your Loan Application

Most 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 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 individualized care, taking the time to understand your unique financial situation Our goal is to help you get the car that you need and want and to get you on the road as quickly as possible1. Individuals who are not working full-time, including people in the following situations, can still apply 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.

Score a Secured Personal Car Loan

Before applying for a secured 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 options for weekly, fortnightly and monthly payment plans.
  • You must have proof of comprehensive vehicle 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 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 Sydney, you can rest assured that Rapid Loans is the smart choice. With plenty of customised 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 getting the perfect vehicle for your lifestyle.

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.

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!

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


October 8, 2020

Getting a Loan Without a Bank

With so many lenders out there, both traditional banking institutions and non-bank lenders, it’s important to consider the pros and cons when choosing which is the right one for you. Non-bank lenders are simply financial institutions that offer borrowers an alternative to getting a loan from a bank. The loan products are much the same… [Read More]