Online Car Finance & Car Loan Specialist

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 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 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 loans work

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 car loan application form for the full amount. If everything in your car loan application is in order, you can have your approval within hours.1

Apply now 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 car 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 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 be comprehensively insured for the duration of the car loan.

Car Finance with Rapid Loans

Car finance is better called a ‘vehicle loan’ as it covers trucks, motorbikes, boats and caravans too. In getting a car 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. We have helped clients across Australia, including in Car Finance Melbourne, Car Finance Sydney, Car Finance Perth, and all other major cities & towns.

car loan

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

We help you get from A to B

We depend on our vehicle for a magnitude of reasons, and it is of the utmost importance that our car is reliable and running at optimal performance. If your current vehicle has broken down, experiencing significant, consistent issues or you are merely looking for an upgrade but do not have the funds required to take that first step, then accessing a car loan may provide you with the perfect opportunity and solution. Whether you are looking to buy a brand new personal car or used car and want a cash injection to help you with your purchase, Rapid Loans is here for you. Investing in a vehicle can be a daunting and stressful task; however, here at Rapid Loans, we are dedicated to relieving you of one less stress through our simple and easier car loan application process.

Easy Car Loan Application Process

Although our car loan assessment process is thorough and takes your circumstances into account, our loan application process is quick and easy, taking just a few minutes to complete. Our clients can expect an efficient response from one of our experienced and dedicated car loan consultants and, if approved, funds can be in your account within 24 hours, and this can all be completed from the comfort of your own home. Rapid Loans is all about making the process to access car loans much more straightforward.

car loan application

Achieve Your Goals

Here at Rapid Loans, the convenience we provide to all of our clients is our priority and our car loan options are no exception – we pride ourselves on providing an accessible car loan product that many Australians count on to make their vehicle purchase. We are committed to helping our customers achieve their transportation goals.

Australia’s Go-To Lender

Since 2003, Rapid Loans has been one of Australia’s go-to lenders when it comes to helping people like you access car loans effectively and efficiently. For many years we have taken great pride in helping thousands of people from across the nation reach and achieve their personal goals, manage bill shock easier, take that perfect holiday or purchase the car they’ve always dreamed of.

Experienced Car Finance Consultants

Our experience, dedication and knowledge when it comes to all facets of loans for our clients are second to none. At the same time, our ability in assisting our clients purchase the car of their dreams knows no bounds! Our clients and their car financing goals are of the utmost importance to us, and we are passionate about helping people achieve those goals in the most effective, efficient and convenient way possible!

car loan application

Information at your fingertips

We appreciate that the car loan market is a competitive one, and the number of car loan options available can quickly become overwhelming. However, with the assistance of our helpful car loans consultants, you will have the information, confidence and understanding necessary to make the right decision for you and your needs.

At Rapid Loans, helping motorists all across Australia achieve their car financing goals has guided us through every stage of our business evolution. Your aims, your needs and your objectives will guide us into the future as well. With Rapid Loans, you will always be well looked after to help you get your dream car through one of our car loans.

We base our practices around the three core customer benefits we offer you

  1. Speed and ease of online loan applications
  2. Rapid payment of cash after approval of your car loan
  3. Personal and friendly services

Contact Rapid Loans Today

If you are looking for one of Australia’s best lending providers, whether you are after a car loan, personal loan, debt consolidation loan or business loan, look no further than Rapid Loans.
Contact us and take the first step to achieve your desired financing and lifestyle goals and find out exactly what we can do to help you today. We tailor our car loan services to meet your personal needs. We are passionate about helping motorists secure additional funds required to get back out on the roads in no time.

Methods to contact us:

Call Us On: 1300 727 431.
Request A Callback, and one of our friendly car loan consultants will phone you.

Apply Today For a Quick Response on your Car Loan Application

Alternatively, click Apply Now to get the ball rolling.
We look forward to hearing from you!

couples planning





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.


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

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

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.


November 10, 2021

Car Finance Guide For Pensioners

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