Used Car Loans-Australia

Easy On-line Used Car Finance.

Relax & take the hassle out of shopping for a competitive used car loan with our easy On-line Used Car Loan.

ACA Car Loans provides you with a choice of Lender and product to suit your individual circumstances. Our volume means we get the best deal on interest rates, we then pass those savings onto you.

Sick of waiting weeks for your used car loan approval?

Our simple 1 page on-line used car finance application form takes about 5 minutes to complete and gets the ball rolling for you. After you submit your used car finance application, we'll get back to you within 24-48 hours with an answer.

Apply for a used car loan!

Click on the banner to go to our easy 1 page used car loan application.

Used Car Loan FAQ:

Q: The car I want to buy is a 1996 model, all the other lenders are saying it's too old to finance, can you help?

A: Yes, we can finance any age of vehicle, even classic or unique cars.

Q: I don't want to buy from a dealer, so how do I get my finance in place?

A: We can organise a Used Car Finance Pre-Approval, this will give you a lot more bargaining power whether it's a private or dealer sale.

Q: I need to refinance the balloon payment on my existing car, is this possible?

A: No problem, refinancing your car or the balloon payment is not a problem.

Q: I want to purchase a vehicle at Auction, how do I go about that?

A: Auction sale purchases are no problem, we organise all the details on your behalf.

Q: I'm only working part time at the moment, can I get a used car loan?

A: Yes, as long as you are working, even casual or part time we can usually assist.

Q: I've had a couple of credit problems in the past, can I still qualify for a used car loan?

A: Yes, as long as you are not a current Bankrupt we can normally help. Please call and discuss your situation with one of our used car loan consultants.

Q: I am self employed and my Financials don't look too good, how do I get a used car loan?

A: We can help, our low doc used car loans are designed specifically to suit your situation. 

Q: I've never had finance before, can you help?

A: Yes, we can help. You shouldn't be penalised because of no previous credit history.

Q: What about the insurance, how do I organise that?

A: We have wide range of very competitive insurance products to help protect your pride and joy! 

Used Car Finance.

  • Flexible terms:

We can offer a greater range of repayment options to suit your particular circumstances.

  • Convenience:

Our experienced used car lending consultants do all the work for you, from taking the application to organizing settlements for the payment of your used car.

  • Greater lending limits:

Lending limits from $3,000 for any used car purchase.

  • Interest rates:

Our wide range of lenders ensures that you get a better deal. Fixed or variable rates are available.

  • Nil deposit:

We will always strive to have all applications with no deposit if required.

  • Secured or unsecured:

Depending on your circumstances, we can offer secured or unsecured finance on your next used car purchase.

  • Full range of insurance products available.

Protect your new investment with our comprehensive range of insurance products at very competitive prices.

  • Flexible contract types:

Personal lending, chattel mortgage, hire purchase, low-doc for the self employed (no proof of income required)

Deal with someone you can trust!

ACA Car Loans has recently earned the designation of Certified Professional Finance Broker (CPFB).

A CPFB is the Australian workplace-based professional Certification standard for entry and ongoing competence of professional practitioners in the Finance and Mortgage Broking industry.

The CPFB gives Australian consumers the ability to check the standard of education, assessment and training of a professional. The national designation also assists in protecting Australian consumers from fraudulent behaviour in the industry.

Certification provides true, independent and professional recognition, enabling us to prove our continuing competence to our clients.

Don't trust your finances to just anyone, only deal with a Certified Professional Finance Broker!

ACA Car Loans Customer Testimonials:

When I recently applied for finance to purchase a used car, I naturally went to my local Bank, what a waste of time, after 2 weeks I finally got an approval but they wanted a $3,000 deposit! I went to ACA Car Loans and was approved the day after they took my application, and guess what...no deposit required.

Mr S Bowden WEE JASPER NSW.

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I'd never had any finance before, not even a mobile phone contract. When I needed finance to buy a used car, I was told that it would be difficult for me to get a loan without a guarantor. I'd just like to thank ACA Car Loans, they had me approved within a day, and without a guarantor.

Ms C Hayden Nth Sydney NSW

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I would just like to say thanks to Kailene from ACA Car Loans for helping us with our recent used car purchase. It really was a pleasure dealing with ACA Car Loans, they listened to what we wanted to achieve and showed us the best and cheapest option. The repayment figures were lower than what we were quoted elsewhere and the insurance was also cheaper. It was a pleasure to deal with ACA Car Loans.

H & J Pottenger

B.B's Cafe Rockhampton QLD

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I really did get a great deal from ACA Car Loans. I recently purchased a cheap used car just for a 2nd car, but when I tried to get finance, I was told the car was too old. I was approved through ACA Car Loans at an excellent interest rate and with no security over the car, that meant i didn't have to fork out for full insurance. ACA Car Loans saved me a fortune! I can't recommend them highly enough.

Mr B Salisbury Newcastle NSW

Simple On-line Used Car Loans....

Apply for used car finance today!

or call

1300 360 450

FBAA LogoDeal with someone you can trust!

Its all about having a dream, believing in that dream, and turning it into a possibility. The possibilities then become endless so Dream it, believe it, set the goals and Achieve It

As an ongoing service and commitment to our clients we are proud to supply a series of informational articles connected to the goods and types of loans that we are committed to. Our fist in this series is the Horse Float Towing and Safety article which can be accessed from our Horse Float page under that Title. We are also working on several "E" Books on How to borrow which will be available shortly so watch here for further details. more.....

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