Loans as they should be
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Borrow up to $45,000 for a new or used vehicle
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Simple online application
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Loan terms from 24 to 60 months
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No early repayment fees
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Two weeks conditional pre-approval
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about Car Loans Perth
Looking for a car loan in Perth? Whether you’re upgrading to a family SUV, buying your first car or looking for a reliable vehicle for work, Rapid Loans offers secured vehicle loans to help Perth drivers finance eligible new and used vehicles. Our online application process is straightforward, with flexible options for loan amount, loan term and repayment frequency.
From Joondalup to Rockingham, we’re here to help Western Australians access car finance that’s straightforward, with loan amounts from $5,000 to $45,000, subject to approval. Discover how simple it can be to apply for a car loan in Perth today.
Car Finance for Perth Drivers
Whether you’re commuting into the Perth CBD, travelling across the suburbs or heading further afield for work or weekend adventures, having the right vehicle makes all the difference. Rapid Loans offers secured vehicle loans for a wide range of eligible vehicle purchases.
Fixed interest rates and weekly, fortnightly or monthly repayment options provide certainty about your repayment schedule throughout the loan term.
Rapid Loans has been helping Australians access vehicle finance since 2003. When you apply for a car loan in Perth, you’re applying for Rapid Loans’ secured vehicle loan product. All applications are subject to our credit eligibility criteria and approval. Whether you’re purchasing from a dealership in Osborne Park or a private seller in Mandurah, applying for a car loan is simple, with many applicants completing our online application in just minutes.
Loans for New and Used Cars in Perth
Whether you’re purchasing your first vehicle or upgrading your current one, a Rapid Loans secured vehicle loan can help finance eligible new and used vehicles.
Our car loans in Perth can be used to finance eligible vehicles purchased through:
- Licensed dealerships
- Online vehicle marketplaces
- Private sellers
Loan amounts range from $5,000 to $45,000, subject to our credit eligibility criteria and approval. Our secured vehicle loan can be used to finance a wide range of eligible vehicles, from compact hatchbacks and family SUVs to utes, vans and 4WDs.
Not sure how much you can borrow? Eligible applicants may receive conditional pre-approval for up to two weeks, helping you compare vehicles within your indicative borrowing limit.
How to Apply for a Perth Car Loan
Getting started with Rapid Loans is 100% online, making it easy to apply wherever you are in Perth or across Western Australia.
Here’s how the process works:
Apply online – Complete our secure application with your personal details, income information and the amount you’d like to borrow.
Application assessment – Our team will assess your application as quickly as possible.
Provide supporting documents – We may request identification, proof of income or information about the vehicle you’re purchasing.
Receive your funds – If your application is approved and your loan settles, we’ll arrange for your funds to be transferred promptly, depending on settlement timing and your financial institution.
Whether you’re in Perth CBD, Fremantle, Joondalup, Midland or Rockingham, our online application process makes it easy to apply for vehicle finance from wherever you are.
Conditional Pre-Approval Before You Shop
Finding the right vehicle is easier when you already know your budget. Conditional pre-approval gives eligible borrowers a clearer understanding of how much they may be able to borrow before they start shopping.
It can also provide greater confidence when negotiating with dealerships or private sellers, helping you focus on vehicles that fit in your indicative borrowing limit.
Apply online today to explore your vehicle finance options.
Why Choose Rapid Loans for Your Perth Car Loan?
Since 2003, Rapid Loans has helped Australians access finance through a straightforward and transparent lending process.
When you choose Rapid Loans, we offer:
- A simple online application process
- Loan amounts from $5,000 to $45,000
- Fixed interest rates
- Flexible repayment frequencies
- Conditional pre-approval for eligible applicants
- No early repayment fees
- Friendly customer service support
Whether you’re commuting across Perth, travelling for work or planning your next road trip through Western Australia, Rapid Loans can help you finance an eligible vehicle with confidence, subject to our lending criteria and approval.
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Designed for Simplicity
Our auto and personal loan products are designed to make borrowing simple, with flexible options for loan amount, loan term and repayment frequency.
Fast Online Application
Our online application takes just minutes, and our secure online portal makes it easy to upload your supporting documents quickly and conveniently.
Real People, Ready to Help
Our dedicated Customer Service team is here to help. From application through to settlement, we’re committed to making every interaction easy to understand and supportive.
50,000 Customers and Counting
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Auto loan questions
What loan amounts are available for car loans in Perth?
Rapid Loans offers secured vehicle loans from $5,000 to $45,000 for eligible new and used vehicles, subject to our lending criteria and approval.
Eligible applicants may receive conditional pre-approval for up to two weeks, providing an indication of how much they may be able to borrow while searching for a vehicle. Before applying, you can learn how the process works and organise any supporting documents to help complete your online application.
What loan terms do you offer?
Rapid Loans offers secured vehicle loan terms from 24 to 60 months, with loan amounts ranging from $5,000 to $45,000. Your approved loan term and loan amount will depend on your individual circumstances, the vehicle being financed and our lending criteria.
What loan amounts are offered in Perth?
Rapid Loans offers secured vehicle loans from $5,000 to $45,000, subject to our lending criteria and approval. The amount you can borrow will depend on your individual financial circumstances and the outcome of our assessment.
When applying, it’s helpful to have an estimate of the purchase price of the vehicle you’re considering.
What does pre-approval mean?
If you’re still searching for a vehicle, you may be eligible for conditional pre-approval. This provides an indication of how much you may be able to borrow, subject to meeting the conditions of your application and final approval.
Conditional pre-approval can help you understand your indicative borrowing limit while comparing eligible vehicles. Once you’ve selected a vehicle, we’ll complete the assessment of your application, confirm that any outstanding conditions have been met and, if approved, finalise your loan documentation before settlement.
Do you charge early repayment fees?
No. Rapid Loans does not charge early repayment fees. You can make additional repayments or repay your loan early without penalty. Paying your loan off early may reduce the total interest payable over the life of your loan.
Do you offer fixed interest rates?
Yes. Rapid Loans’ personal and vehicle loans have fixed interest rates, which will be outlined in your loan contract. Your interest rate will depend on factors such as your approved loan product, loan amount and individual financial circumstances.
How long does it take to receive funds?
We aim to assess applications as quickly as possible. If your application is approved and your loan settles, funds may be available as soon as the next business day, depending on your financial institution.
To help avoid delays, please ensure your application is completed accurately and all required supporting documents are provided.
Hear from our happy customers
Learn how our loan system makes borrowing easy, quick, and hassle-free.