Secured Car Loan Specialist

Buying a new car is an exciting process, so why can’t the finance aspect be too? With secured loans against car from Rapid Loans, we take the stress out to make the experience an enjoyable one. Whether you’ve got your eyes set on a particular car you’ve seen online from a private seller, or you want to spend days walking around dealerships looking for that perfect match – we want to help.

Rapid Loans offers a two week conditional pre-approval so that you can shop for cars with confidence.

What is a secured car loan?

A secured car loan means that we use the car you’re purchasing as an asset to secure your loan. This is common practice in car finance.

What kind of vehicle can you lend for?

Rapid Loans secured loans can also be used to purchase other types of vehicles, in new or used condition:

  • Boats
  • Caravans
  • Jet Skis
  • Motorcycles

Sounds good! How do I apply for a loan?

You can apply for your car loan online from the comfort of your own home.

  1. Click ‘apply now’ and fill out our easy 4-step secured loan application.
  2. Fast track your application by supplying additional documents in a secure, user friendly platform.
  3. One of our loan consultants will be in touch ASAP.


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
  • $ 2,001
  • $ 3,000
  • $ 4,000
  • $ 5,000
  • $ 6,000
  • $ 7,000
  • $ 8,000
  • $ 9,000
  • $ 10,000

How often do you get paid?

Please Select
  • Weekly
  • Fortnightly
  • Monthly

Rapid Loans

Secured Car Loan Online

Purchasing a car is sure to be one of the biggest financial decisions of your life. This is a major investment that will serve you for many years, helping you enjoy life, spend time with family and friends, make it to work daily and run your errands. Whether you mainly use your vehicle in town or tend to save it for long-distance drives, it is vital that you have a reliable new or used car. If you do not yet have a car or are realising that your current car is not as reliable as it once was, it may be time to consider financing your next car with a secured car loan in the upcoming weeks

Why You Should Choose Rapid Loans

While there are many financial institutions these days that offer secured personal loans and car loans, we are confident that Rapid Loans is the best choice for your needs. Some of the many perks that we offer our loan customers include the following:

  • Easy & secure online loan application process
  • Fast response
  • Excellent customer service
  • Customised loan repayment options
  • Two-week conditional pre-approval option

By making the car loan process as simple and even enjoyable for our customers as is possible, we ensure that this usually stressful process becomes more focused on the joy of finding a new car rather than on the fine points of finding financing to complete your purchase. While we know that this is a major purchase for you or your family, we help you get the cash infusion that you need at just the right time.

Features and benefits of our first rate personal car loans

Loan Instruction

Rapid Loans is proud to offer our many customers several benefits when applying for a secured car loan across Australia, including in Melbourne car loan, Perth car loan, and the best car loans Sydney. These include the following:

  • Incredibly fast online loan application process
  • Fast payments upon loan approval
  • Personalised services with a premium put on customer satisfaction

The personal touch that you will find with Rapid Loans is sure to make choosing us the easy option. We have been providing secured car loans to thousands of Australians since 2003 and are proud of the reputation that we have built up in that time. As a well-known name among the country’s lending institutions, we consider it a privilege to continue helping our customers purchase the car of their dreams through our flexible secured loan product. Now may be the right time to buy a car if you fall into one of the following categories.

  • You have been relying on public transportation and now is the time to buy a car.
  • You are ready to purchase your first car after getting your license.
  • You are looking for a second car or a larger car for your family.
  • You are looking to upgrade your current car.

Benefits of Secured Car Loans

At Rapid Loans, we offer secured car loans. Understanding more about this type of secured financing will help you choose us with confidence.

Unlike an unsecured car loan, a secured car loan is a type of financing that requires collateral. In the case of a secured car loan, your new car is the collateral that we use to ensure that the loan is paid back according to the financing terms. Rapid Loans will hold a security interest in the vehicle until the car loan is paid off completely.

As long as you are confident that you can pay back your loan amount in time, a secured car loan is the obvious answer to financing your new car. You will be able to purchase your car quickly and drive off the lot in no time.

Our secured car loans can be used in one of two ways.

  • To apply for conditional pre-approval before going car shopping
  • To pay for a car after finding the one you like with easy repayment options

Easy Online Loan Application Process

Today, we know how difficult it can be for customers to show up in person to apply for a car loan. This can take up valuable time that you may not have in your busy life. That is why we make our car loan application process so easy. You can complete the entire application online in only a few minutes, letting you stay in and stay comfortable in your pyjamas if you like while you get the financing that you need.

couples planning

In addition, Rapid Loans offers a variety of online resources to help you at every step in the financing process

  • Online car loan calculator
  • Car buying tips

Our car loans are ideal for the following people:

  • Those who work full-time
  • Those who work part-time
  • Those who have just received their learners’ permits
  • Those receiving government benefits
  • Subcontractors and self-employed individuals

Incredibly Fast Response Time

We know that your time is valuable. That is why we work quickly to get you the car loan that you need. Not only can our online loan application be completed quickly, but also you will hear back from one of our car finance consultants in 24 hours or less. This fast turnaround time will help you secure the car that you want before someone else drives it off the lot. In addition, if you are approved, you should have the necessary funds to purchase your car in under 24 hours as well.

Tailored Finance Options for Your Unique Needs

At Rapid Loans, we also understand that each of our customers is different and faces different financial needs. For this reason, we offer financing and loan repayment options designed to meet your unique requirements. Our car loans are not one-size-fits-all. Instead our car finance consultants create the perfect loan and repayment terms for you.

Close-up of womans hand with heap of coins

Customised Personal Car Loan :

  • Weekly, fortnightly or monthly loan repayment terms
  • Conditional acceptance of government pension and benefits for payment
  • A variety of loan terms available

Superior Customer Service at Every Step

Our goal at Rapid Loans is to take one potentially frustrating task off your plate. We make getting a car loan fast and easy, and our customer service agents set the tone for your experience with us. Each loan representative is highly trained and is able to answer your questions on your first call or email. We are readily available during business hours so that you can be driving your new car as soon as possible.

Our customer service team can help you with many aspects of the loan process, including the following:

  • Choosing loan terms and limits
  • Keeping you in the loop throughout the entire process
  • Navigating through disputes and hardships

Used cars can be snapped up from local lots in a heartbeat, meaning that you need financing in place to get the car you want. Our secured car loans in amounts ranging from $5,000 to $25,000 are ideally suited for purchasing a used car, truck or SUV. You can use your secured car loan to purchase a used car at a dealership, from a private seller or even at an auction.

Two-Week Conditional Pre-Approval Option for Easy Car Shopping

While you can choose to find the car that you want before applying for a loan from Rapid Loans, we offer up to two weeks of conditional loan pre-approval. This brings several benefits with it, including the following:

  • Nab the car you want immediately.
  • Show sellers that you are a highly suitable buyer.
  • Improve your negotiating power.
  • Know the loan amount you have available before shopping.

Before applying for a loan with Rapid Loans, be sure to complete the following requirements.

  • You can prove your place of residence.
  • You can show three months of continuous income.

Apply for a First Rate Car Loan Today

For years, we have worked with numerous car buyers to help them get the car of their dreams without any of the stress of the typical car loan process. Choose Rapid Loans with full confidence for your next car loan and experience the numerous benefits that numerous other customers have already discovered.

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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.


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