Any Credit Considered1 - Car Finance up to $75,000!
Capital Finance may be able to help you out with car finance & car loans when others can't.
Even if you have been refused credit by other lenders, we'll give you a fair go with our bad credit car loans. We'll look into your current situation and with your car loan pre-approval1, we'll tell you how much you can afford to borrow. Our vehicle loans go up to $75,000 and that could be to finance any vehicle from a car, motorbike or van to a motorboat, trailer or campervan.
At Capital Finance we provide a flexible service and will consider many kinds of vehicles, either new or used. You may wish to go through a dealership or via a private sale, and we can help with either option to put you in the driving seat and on the road fast.
1. Subject to verification, suitability and affordability
Get the money you need, with the service you deserve
Need help getting from A to B?
Our car loan application process is streamlined, fast and headache-free.
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01.Fill out your pre-approval request online
Apply online with quick upload options for bank account statements, we've made car finance easy.
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02.We’ll take a look and get in touch
Sit tight as we review your request. With quick turnaround times, we’ll reach out via phone or email with your next steps.
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03.Receive your pre-approval offer
Once we have all the information we need, we'll clarify how much you can borrow, and you can start shopping around for a vehicle.
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04.Pick your new car
Either new or used, from a dealership or via a private sale — tell us what car you'd like to buy, and we can take it from there.
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05.Drive away
After some final checks, we’ll proceed to purchase. If you give us the green light, we can step in to make the payment on your behalf.
1. Subject to verification, suitability and affordability
Why Choose Capital Finance?
Capital Finance is a specialist non-bank provider, offering many different types of loans to assist people from all walks of life, in a variety of financial circumstances.
Giving You a Fair Go
We’ll give your loan application a fair go, even if you have been turned away by other lenders before. We assess your financial circumstances thoroughly to ensure you are offered a loan that is appropriate for you1.
Flexible Lending
We are responsible lenders with tailored solutions. Our loan requirements are flexible with terms appropriate to your needs.
Focus on Customer Care
Our professional and friendly customer service team will guide you through your loan application and repayment process.
Wide Range of Product Offerings
We offer a wide range of lending options. From vehicle finance, to personal loans, to boat loans, you’re sure to find a finance option to suit your needs at Capital Finance.
1. Subject to verification, suitability and affordability
Ready for a new car? We'll give you a fair go!
Apply in minutes
With automatic upload options for your bank statements, our application process is 100% online and takes about 5 minutes to complete.
Get up to $75,000
Need a new or used car? Our car finance covers both. We'll work out the right loan for you, so that payments match your budget and affordability.
Drive away in 24-48 hours
When it's time to buy, we’ll step in and organise your vehicle purchase. If all goes smoothly, you could be driving away in under 48 hours.
Car Loans FAQs
A car loan is a general term for a secured car loan. Secured loans generally have a lower interest rate than unsecured loans, as there is less risk to the lender. As a secured loan, the vehicle you purchase is secured against the loan.
With Capital Finance, when you take out a car loan with us, the money you borrow goes directly to the seller and then the seller hands over the vehicle to you. The seller could be a showroom, dealership or private seller. All vehicle loans via Capital Finance are secured against the vehicle you purchase.
You can trust Capital Finance with your secured car loan application1. We operate under an Australian Credit Licence and could offer you the right car loan suited to your financial circumstances1. With Capital Finance, your loan amount can reach a maximum of $75,000 depending on your needs and affordability1.
Whether getting a car loan is worthwhile or not depends on your financial circumstances and transportation needs. Getting a car loan may be worthwhile if you do not have enough funds to purchase a vehicle outright but have a need to fund the purchase quickly.
A car loan can help bridge the gap and allow you to drive away in the car of your dreams, without having to wait months or years to save up enough money.
You can contact us to answer any questions you may have regarding your car loan.
Buying a car on finance is a quick and secure way to obtain your dream vehicle faster than saving up and paying cash.
Successfully paying off a car on finance may also increase your credit rating or score - improving your chances of obtaining another loan in the future, or a loan at a better rate1.
Simply complete your vehicle finance application to get started.
Your application enquiry should take about 5 minutes. We'll then review all your details and make sure any loan offer is affordable for you. Once you have your loan pre-approval offer, you can start shopping for a suitable vehicle.
You can apply for a car loan even if you are a self-employed worker1.
The best financing option for a car depends on your personal preferences and financial circumstances. Capital Finance offers a wide selection of secure vehicle finance options with flexible loan terms to suit our customer’s needs. From single parent car loans to used car loans to small car loans, there’s a variety of financing options that you may consider best for you1.
Yes, you could1. At Capital Finance, we'll review your current situation and ability to manage your car loan repayments when evaluating how much credit you can safely manage.
To help get your car loan application approved with bad credit, you should:
- Have a regular income over $480 a week
- Be as honest as possible in your application
- Avoid heavy gambling
You may be more likely to get approved for a car loan with a specialist lender like Capital Finance over a bank with traditional lending criteria1.
See also: Bad Credit Car Loans.
All our car loans are secured loans, against the vehicle you purchase. We do not offer unsecured loans for cars.
However, it may be possible to get a car repair loan without providing any additional security on the loan up to $30,000.
Yes you could1 with Capital Finance. Capital Finance is not affiliated with, or endorsed by, Services Australia. However, we do offer loans to customers receiving Centrelink payments. Whether your income is part benefits or 100% Centrelink, we'll look into your current situation, and providing the loan is suitable and affordable for you, we'll make you a loan offer. You could be driving away fast! See Centrelink Friendly Car Loans*.
How much you can borrow for a car loan may depend on your current financial situation and your ability to manage the loan repayments over the loan term1.
At Capital Finance, you could borrow up to $75,000 for your car loan1.
Check out our car loan repayment calculator to get an idea how affordable your loan would be.
Yes, you can. There is no penalty for early repayment.
Please check out our Car Loan Calculator for a general guide of repayments for different loan amounts with us. Our calculator takes into account your car loan interest rate and other ongoing fees so that you can compare car loans effectively.
1. Subject to verification, suitability and affordability
* Capital Finance is not affiliated
with, or endorsed by, Services Australia, but does provide personal loan and vehicle
finance options which are available to recipients of benefit payments
Other Car Loans We Offer
* Capital Finance is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments