Perth’s beloved car loan provider.
Wherever you are in Perth or its surrounds, Rapid Loans can help you with a tailored car loan solution.

Car Loans Perth
Got your eye on that dream car in Perth but your wallet’s not quite ready to roll? Whether you’re sizing up a slick new ride or a trusty used one, Rapid Loans has got your ticket to summer road trips with a secured vehicle loan.
Getting a new car or truck does not need to be a difficult or challenging process, and we can get you moving in the right direction in no time. Come to us with any questions, concerns or needs you have, and a member of our team will answer them for you. You can take as much or as little time as you need to decide what path is best for you and your budget.
A car loan is better called a ‘vehicle loan’ as it covers trucks, motorcycles, boats and caravans too. In getting a vehicle loan, a borrower can either apply for conditional pre-approval for a certain loan amount before they go shopping, or they can find a make and model, negotiate a price and then approach a lender to access the necessary funds.
If you are looking for Perth car loans, you might be wondering what options are open to you. We stand behind our company and do what it takes to provide an easy and straightforward loan application process. Our goal is to get you behind the wheel of your next car or truck as soon as possible, and you will be happy when you see what we can do for you. Discover the benefits of choosing our car finance company instead of going with the competition, and you will be pleased with the outcome.
If you are like many people in the market for a new or used vehicle, you dread the long and complex application process. You don’t want to sit in an office and fill out tons of paperwork when you could be driving down the road in your next vehicle. The good news is that you don’t have to fill out complex finance applications when you get car loans in Perth. Our team makes the process as fast and simple as possible, and you can do it all from the comfort of your home. We keep our loan application process short because we know you don’t want to waste any more time than needed.
We are ready to move you toward your next secured car loan. When you get a loan through our company, you secure the loan with the vehicle you are buying. Securing your loan with the car or truck you buy is one of the most common ways to get a car loan. Let one of our experts know if you would like to learn more about our secured personal car loans in Perth.
While you can choose to find the vehicle that you want before applying for a loan from Rapid Loans, we offer up to two weeks of conditional pre-approval for a specific loan amount if you are looking to be cashed up and ready to buy.
why choose rapid
Fast Applications
Our team makes the loan application process as fast and simple as possible, and you can do it all from the comfort of your home. We keep our loan application process short because we know you don’t want to waste any more time than needed.
Fast Response Time
Our goal is to get you in your dream car so that you can move forward and enjoy your new purchase. We care about our clients and promise to treat you like family each step of the way. When you are searching for your next car or truck, we can help you decide what lending options work for your budget and needs.
We Learn About You
Not all clients are the same. We understand that your needs are different from the needs of the other clients we are proud to serve. For that reason, we take the time to learn about you and your financial situation.


How it works
Apply Online
Complete our easy online application form. Don’t worry, we only need the important stuff to get you moving.
Upload Documents
Upload your important docs via our secure online platform. We’ll tell you what you need, and it only takes a few minutes.
We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon!
Receive Funds
If approved, have your funds faster than you can say Rapid Loans! If you applied in the morning, they could hit your account the very same day.
We are here to help you
Frequent Questions
Find the answers you are looking for by browsing through a number of questions we get asked a lot.
How do I buy a car that is under finance?
When you are buying a second-hand car privately, it is essential to check whether a finance institution holds any security against it. We can find out this information by running a PPSR check on the vehicle you want to purchase. As the car you are purchasing acts as security for your loan, the seller will need to repay their original finance company before the sale can go ahead. There are two ways to do this.
The first is that the seller can obtain a payout quote from their financier, repay the outstanding amount and provide proof that the final payment has been made. The second way is that if they are relying on the sale of the car to repay the financier, then they can provide the official payout document to Rapid Loans and we will disburse funds straight to their financier as part of the new car loan. If there are additional funds from the sale leftover after the original loan is paid out, those will then be disbursed to the seller.
What is a p.a. comparison rate?
The comparison rate gives you a true understanding of the cost of the loan per year. In addition to interest rate charged, it adds the cost of fees and charges, repayment frequency, loan term and loan amount.
What loan terms do you offer?
Our loan terms vary from 18 to 60 months with loans ranging from $2,001 up to $40,000. This will depend on the product, loan amount and other factors.
What is a balloon payment?
A balloon payment is a significant extra payment made on your loan that is greater than your normal repayment. A balloon payment can be made at any time of the loan term and will reduce the loan term and interest charges for that loan. We do not require balloon payments at Rapid Loans, however the option is available to you to make extra repayments without incurring any fees.
What does pre-approval mean?
Applicants are able to apply for pre-approval for finance before making an offer for a car. Pre-approval means that the applicant has already gone through the application process and has been found that they satisfy the criteria to get a loan of a specific loan amount. This gives the applicant to the reassurance that they can afford a car within a specific budget. 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 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.
Do you charge early repayment fees?
No, Rapid Loans does not charge any fees for early payouts or additional repayments on top of the normal repayment schedule.
Does Rapid Loans have branches in Perth?
While Rapid Loans doesn’t have a physical location in Perth, that doesn’t mean we can’t help! As an online lender, we pride ourselves on helping Aussies like you all over the country with our simple online application. Whether you’re soaking up the sun on Scarborough Beach or sipping a flat white in Fremantle, you can apply online from wherever you are. We’ve been helping people like you make their car dreams a reality since 2003, so give us a call today to chat about a fast Perth car loan. |
Do you have to live in Perth to take out a loan?
Nope, you can use your loan to purchase a car anywhere in Australia! From a snazzy convertible in Mandurah, to an electric vehicle in Margaret River or compact hatchback in Bunbury, we are on the phones and ready to help you get the car you want. Our Perth car loans range from $5,000 up to $40,000 to fit a variety of needs, and we don’t just finance cars! Our vehicle loans can also be used to purchase your dream motorcycle, caravans and trailers, and even jet skis! Find out how a Rapid Loans vehicle loan could get you moving – apply online today. |
Do I have to use my loan to buy a car in Perth?
Nope, you can use your loan to purchase a car anywhere in Australia! From a snazzy convertible in Mandurah, to an electric vehicle in Margaret River or compact hatchback in Bunbury, we are on the phones and ready to help you get the car you want. Our Perth car loans range from $5,000 up to $40,000 to fit a variety of needs, and we don’t just finance cars! Our vehicle loans can also be used to purchase your dream motorcycle, caravans and trailers, and even jet skis! Find out how a Rapid Loans vehicle loan could get you moving – apply online today. |
Do you offer other personal loan options in Perth?
Yes, Rapid Loans offers other secured personal loans for: ● Weddings ● Debt consolidation ● Medical, dental and vet bills ● Travel ● Renovations So why get your cash loan with Rapid Loans? We’ve made the process as simple and stress free as possible! Apply online with our simple application form, upload your documents, and be chatting to one of our loan consultants within 24 business hours – it’s a streamlined journey where you get to interact with a real person right here in Australia about your application and the car you’re looking to buy. We also offer: ● Fixed interest rates ● No fees for early payout ● No fees or additional repayments. Our friendly team is dedicated to supporting you on your loan journey – whether it’s for a brand new car or a much-needed holiday. Get there the Rapid way! |