Loans as they should be
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Borrow up to $50,000 for a new or used vehicle
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Simple online application
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Loan terms from 2 to 5 years
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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 Sydney
Car Loans Sydney
Choose the power of convenience as you zoom through the car-buying process in Sydney with Rapid Loans! From sleek city cars to adventurous off-roaders, our lightning-fast process puts you in the driver’s seat of your dream ride so get ready to hit the road!
Sydney’s Trusted Car Loan Provider
When you are looking for Car Loans in Sydney, you can rest assured that using Rapid Loans as your lender is the smart choice. With plenty of customised repayments options, if you’re approved, Rapid Loans offers secured car loans so that you can go vehicle shopping when it is convenient for you. Choose us and take your first step to buying the perfect vehicle for your lifestyle.
We Also Offer Boat, Caravan & Motorcycle Loans
Car loans are better called a ‘vehicle loans’ as they cover trucks, motorcycles, boats and caravans too. In getting a new car loan, a borrower can either apply for conditional pre-approval for a certain amount before they go shopping for a new car, or they can find a vehicle, negotiate a price and then approach a lender to access the necessary funds.
Simple, Quick & Easy Car Loan Application
When you need a new car, you may not have much time to prepare. Perhaps your old car broke down and you need a replacement immediately, or you want to snap up the perfect new or used car from the lot before someone else nabs it. When you need quick but trustworthy financing for your car purchase, you can rely on Rapid Loans for individualised car loans designed for your unique circumstances.
Rapid Loans Has Been Providing Car Loans Since 2003
When it comes to car loans, you have plenty of places to turn these days. However, it is important that you choose a car loan company that you can trust. At Rapid Loans, we operate our business on three main principles that we believe make the car loans process easy for our customers.
Get In Touch With Sydney’s Premium Car Loan Experts
We know that shopping for a new car can be stressful enough without having to worry about the financial aspects of this major purchase. By taking away the stress of financing your new car, we help you stay focused on what is most important. Getting the cash that you need at the right time does not have to be difficult when you choose Rapid Loans.
When you work with us, you do not have to worry that the car loan application and approval process will take up too much time or become too confusing. We keep the entire process as simple as possible so that you can focus on finding the best new car for your needs instead of worrying about the financing.
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?
Loans Tailored to You
Our auto and personal loan products were created with our customers in mind. We live in the real world too, so we created flexible loan solutions to suit most circumstances.
Quick and Easy Process
Our online application takes just minutes and our secure online portal allows you to upload your essential documents quickly and conveniently.
Personalised Service
Like everything at Rapid, we make sure dealing with our professional customer service representatives is straightforward and simple. We’re here for you!
Trusted Lender
We’ve funded loans for over 50,000 happy customers to make life happen. Our people are experienced, professional and understand that life isn’t always straightforward.
Explore Our Other Loan Types
Motorcycle Loans
For the times you want to rev your engine
Personal Loans
For when you want to start living
Boat Loans
For feeling the wind in your hair
Used Car Loans
For when its time for that new car smell
Auto loan questions
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 loan terms do you offer?
Our loan terms vary from 24 to 60 months with loans ranging from $2,001 up to $50,000. 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 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.
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.
Does Rapid Loans have branches in Sydney?
No, Rapid Loans doesn’t have branches in Sydney but we’ve still got your back. Our secret lies in our turbocharged online application which cuts out time consuming physical paperwork or complicated document transfers.
The best part is that whether you’re surfing Bondi Beach or getting up close with koalas at Taronga Zoo, Rapid Loans is just a click away.
Since 2003, Rapid Loans has been giving drivers like you the green light on their car dreams so get in touch with us today for a fast Sydney car loan.
Do you offer other personal loan options in Sydney?
Yes, Rapid Loans offers other secured personal loans for:
There are so many advantages to getting a cash loan with Rapid Loans, from the hassle-free application process to the convenience of talking with one of our Australian loan consultants within 24 business hours. Our fixed interest rates also mean that your repayments won’t catch you off guard and there are no pesky fees for early payouts or additional repayments.
Our friendly team is ready to assist you in finding the right loan type for your specific needs, making the process of navigating life a breeze.
Do I have to use my loan to buy a car in Sydney?
No, you don’t have to use your loan to buy a car in Sydney. We’ve got your back whether you’re eyeing a muscle car from Batemans Bay, an electric vehicle from Newcastle or a luxury cruiser in Wollongong.
We offer Sydney car loans from $5,000 up to $50,000 to help you turn the car you’re thinking about into the car you’re driving. The best part is that it’s not only for cars, our secured vehicle loans cover shiny new motorbikes, caravans for epic road trips, jet skis that scream adventure and more!
Do you have to live in Sydney to take out a loan?
No, you don’t have to live in Sydney to take out a bad credit car loan with Rapid Loans. We’ve actually got the whole of Australia covered whether you’re in Adelaide, Brisbane or Darwin.
To apply for a vehicle loan anywhere in Australia, you’ll need to be over the age of 18, either an Australian citizen or a permanent resident, and earn some form of income. You’ll need documents to back this up of course, but these can be uploaded online using our simple and secure portal. We’ll just need a copy of your driver’s licence, two payslips and a recent bank statement.
If you’ve got questions, let us take the wheel and we’ll guide you through the application process.