Car Loans Made Simple
Compare 60+ lenders in one application. New, used, electric, or bad credit — we'll find you the best rate.
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Whatever Your Car Finance Need
From brand new EVs to older trade vehicles — we've got specialist lenders for every situation.
Bad Credit Car Loans
Previous credit issues? We work with specialist lenders who approve based on your current situation, not just your past.
No Deposit Car Loans
100% financing available. Get approved without a deposit and drive away sooner with our panel of no-deposit lenders.
Electric Car Loans
Special rates for EVs and hybrid vehicles. Take advantage of government incentives and lower running costs.
New Car Loans
Financing for brand new vehicles from dealerships. Competitive rates from 5.99% p.a. for new cars.
Used Car Loans
Finance for quality used vehicles. We approve cars up to 15 years old from dealers or private sellers.
Car Refinancing
Lower your rate and reduce repayments. Refinance your existing car loan and save thousands in interest.
Car Loan Pre-Approval
Get approved before you shop. Know your budget and negotiate better at the dealership.
Low Doc Car Loans
Self-employed or limited paperwork? We offer low-doc options with minimal documentation requirements.
Plus 13 More Options
Including business car loans, novated leases, luxury vehicles & more
Why Choose Kreddi for Your Car Loan?
Compare 60+ Lenders in One Application
Don't waste time applying to multiple lenders individually. Submit one application with Kreddi and we'll shop it across our entire panel — including major banks (ANZ, CBA, NAB, Westpac), credit unions, and specialist car finance providers. More lenders means better rates and higher approval chances.
Bad Credit? No Problem
Traditional banks often auto-decline applications with past credit issues. We work with specialist non-bank lenders who assess your current financial situation, not just your credit score. Defaults, bankruptcies, arrears — we've helped customers with all kinds of credit histories get approved.
$0 Broker Fees, Ever
Most car dealerships charge "dealer fees" of $500-$1,000. We charge you absolutely nothing. Lenders pay us a commission when your loan settles, which means you get expert broker service for free. No upfront fees, no hidden charges, no application fees.
Fast Approval (24-48 Hours)
Found the perfect car and need finance fast? We specialize in quick turnarounds. Most customers receive conditional approval within 24-48 hours. In urgent cases, same-day approval is possible. Once approved, settlement typically takes 3-5 business days.
Dealer or Private — We Finance Both
Buying from a licensed dealer? Great. Found a gem on Gumtree or Facebook Marketplace? We can still help. Our lenders finance private sales, dealer purchases, and even auction vehicles. We'll arrange independent valuations and handle all the settlement paperwork.
Ready to Get Your Car Loan Approved?
Apply now and get access to Australia's best car finance rates from 60+ lenders.