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 and easy to manage, 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, helping Perth drivers find a finance solution that suits their needs.
With fixed interest rates and flexible repayment frequencies available weekly, fortnightly or monthly, it’s easy to plan your repayments with confidence.
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, giving you greater confidence while comparing vehicles.
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 review your application against our lending criteria and provide an outcome as soon as practicable.
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: Shop with Confidence
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 comfortably within your budget.
Apply online today and start exploring Perth’s new and used car market with confidence.
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, you’ll benefit from:
- 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 penalties
- Friendly Australian-based 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
Explore Our Other Loan Types
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Auto loan questions
What loan amounts are available for car loans in Perth?
With a Rapid auto loan, you can finance a car and any associated extras from $5,000 up to $45,000. Our team will assess your application thoroughly to provide you with conditional pre-approval of how much you could borrow – this lasts for two weeks so you can go shopping for your car. Before you start your application, you can learn how it works, get any paperwork you need organised, then go through the straightforward online process.
What loan terms do you offer?
Our loan terms vary from 24 to 60 months with loans ranging from $2,001 up to $45,000. This will depend on the product, loan amount and other factors.
What loan amounts are offered in Perth?
At Rapid Loans, we offer car loans starting at $5,000 up to $45,000. The amount you can borrow will depend on your financial situation and the outcome of our assessment. When applying, consider the price range of the car type you’re interested in when selecting a loan amount.
What does pre-approval mean?
If you’re in the early stages of looking for a car and have a few in mind (and a budget planned) you can seek out pre-approval. This gives you a set amount you’re able to borrow to put towards buying a car when you find the right one. It also means you can show you have already been pre-approved for the total value needed to buy a car, without needing to go through the full loan application process then and there when you’re trying to purchase your new vehicle. When the applicant has found a car to purchase, the loan application can be finalised with any conditions being met to receive final approval, contracts signed and funds disbursed.
Do you charge early repayment fees?
No. Rapid allows extra or early repayments without penalty, giving you the freedom to pay off your loan sooner if you choose to, saving on interest.
Do you offer fixed interest rates?
Yes, personal and car loans from Rapid Loans have a fixed interest rate outlined in your contract. This will vary depending on a number of factors such as borrower profile, loan product and principal amount.
How long does it take to receive funds?
We aim to review applications quickly, and if approved, funds can be disbursed as quickly as the next business day. To ensure there are no delays from our end, please ensure you fill out the application form with all documents required.
Hear from our happy customers
Learn how our loan system makes borrowing easy, quick, and hassle-free.