Car Hero

Cars, Utes & Vans

Get on the road with a fast,
cheap and easy car loan today.

On Road Finance is here to assist you secure a car loan for your next vehicle purchase, new or used. Our finance specialists work around the clock to provide you with a level of service like no other. With a panel of over 25 lenders Australia-wide, you’re guaranteed to receive the lowest interest rate and best finance options, tailor made to suit your budget and lifestyle.

Whether you’re buying a ute for work, your first car or upgrading the family SUV, let our brokers assist your finance requirements.

Apply now for a fast and easy car loan approval!

Your Finance Options

  • A Secured Car Loan is a finance product where the lender funds the customers purchase of a vehicle and secures the loan against the vehicle. Also known as a consumer car loan, a secured car loan is the most popular option for our non-business customers.

    This is due to the competitive rates and repayments compared to other loan types. The customer takes ownership of the vehicle at the time of purchase and the lender takes an interest in the vehicle as security for the loan. Once the contract has been completed, the lender lifts their interest in the vehicle, giving the customer clear title.

    Pros Cons
    Lower interest rates If you default, the lender will repossess the vehicle
    1 to 7 year loan terms Penalty fees for paying the loan off faster, unlike personal loans.
    May borrow higher amounts Cheaper vehicles may not be accepted
    Lower risk to lenders Older vehicles may be difficult to finance, unlike personal loans.
    Bad credit accepted

    Apply online for a fast and easy car loan approval and let On Road Finance get you on the road today!

  • A personal loan is your typical type of unsecured loan, where the lender will provide you with the funds to make a purchase of your liking. Our customers prefer a personal loan when they want to borrow a specific amount of money to use for vehicle purchases.

    We also assist customers with funding their next holiday, home renovations, car repairs, furniture, computers, medical, dental and cosmetic surgery, sporting equipment, debt consolidation and more!

    Pros Cons
    No restrictions on car age Slightly higher interest rates
    Can borrow as little as $2000 Usually capped at $35k
    No security required for approval Lengthy paperwork
    Can be used towards ANY purchase Bad credit not accepted
    Helps consolidate existing debt
    Can pay off faster without penalties

    Apply online for a fast and easy personal loan approval and let On Road Finance assist your personal loan needs!

  • If the vehicle you’re purchasing will be used predominately for business use, we have just the right products for you! Our finance specialists have assisted many business clients with their commercial loan requirements.

    Our panel of over 25 lenders provide exclusive business car loan options ranging from Chattel Mortgages, to Novated Leases and Low Doc Loans.

    Stable businesses or new start-ups. Sole traders and companies. Bad credit or excellent history. Whether you have financials or not, if you’re in the market for a car, ute or van, let us help your business grow today.

    Apply online for a comprehensive quote on your next business purchase today!

Find out your repayments

Car Amount:



Interest Rate (%):

Loan Period (Years):


Your Repayments

This calculator is provided as a tool to assist customers in estimating the repayment amount at a user specified interest rate and loan term. Figures in this tool may not include all fees and charges in carrying out a loan product. Your correct interest rate depends on the amount borrowed, your personal circumstances and credit history. On Road Finance Pty Ltd is under no obligation to offer finance at the rate, repayment or loan term of this calculator. For a more precise quote, please contact On Road Finance on 1300 518 580.

Frequently asked questions
already covered for you.

What is the process to get started for a car loan?

We have simplified the car loan application process for you.

First you’ll need to complete the application form online or contact 1300 518 580 to apply over the phone. A finance specialist will confirm your details, history, assets and liabilities before requesting supporting documents.

Once your application has been self-assessed by a broker, the application will be submitted to the best and cheapest lender. They’ll run their checks too and give us the thumbs up approval.

You’ll then sign some contracts electronically (or face to face if you’re in Sydney) and the vehicle is all yours once the seller has received the funds!

How long does the whole process take?

Depending on your credit history and how fast you can supply us with your supporting documents, we should generally have a response for your car loan within 24 hours.
If your credit file is clean and there are no discrepancies in your application, we could even have you approved the same day!

How much can I borrow?

The minimum amount for a secured car loan is $5000. The minimum amount for a personal loan is $2000. The maximum amount you can borrow is subject to lending criteria and will also depend on your current financial affordability.
For a no-obligation quote to calculate how much you can borrow, please complete our online application or contact a finance specialist on 1300 518 580 today!

I have bad credit. Can I get approved for a car loan?

Yes! We assist many customers with bad credit history. On Road Finance has a panel of many finance companies willing to give you a second or even third chance. Bad credit car loans exist and you’ll be surprised how much you can borrow too!

I have gone through a bankruptcy. Can I get approved for a car loan?

Of course! Our lenders have special products for ex-bankrupt applicants. In some cases, we can even assist currently bankrupt customers.

How do I apply for a car loan?

You can apply for a tailor made car loan today by submitting an online finance application form or by contacting our team of brokers on 1300 518 580.
For any further questions, leave your contact details here and one of our friendly staff will be in contact as soon as possible.

Be protected with a comprehensive
range of solutions

Comprehensive Insurance

Comprehensive Insurance

Cover your vehicle against accidental damage, fire, theft, flood, hail and windscreen damage.

Extended Warranty

Extended Warranty

Drive with peace of mind, knowing that your car or ute is covered against unexpected mechanical or electronic failure.

Guaranteed Asset Protection

Guaranteed Asset Protection

Don’t risk paying out a loan for a car or ute that is declared a “total loss” due to an accident or theft.

Loan Termination Insurance

Loan Termination Insurance

Reduce the stress and financial pressure on you or your family during unexpected events.

Consumer Credit Insurance

Consumer Credit Insurance

Your financial commitments will be met in the event of injury, disability, death or unemployment.

Roadside Assistance

Roadside Assistance

Your financial commitments will be met in the event of injury, disability, death or unemployment.

Get In Touch

Are you ready to make the next move but have a few questions?
Complete the details below and an On Road Finance specialist will be in contact as soon as possible.

Contact Us