Sydney’s preferred car loan company.

Join thousands of Sydney customers and get your next car loan with Rapid Loans. With loans up to $40,000 and quick turn around times, you could be driving away in no time!


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!


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.

Car loans are better called a ‘vehicle loans’ as they cover trucks, motorcyclesboats 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.

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.

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.

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.

why choose rapid

Talented Customer Service Team

Our customer service team is among the friendliest you will find, and we are passionate about helping you achieve your financing goals. Plus, we offer the knowledge of specialised car finance consultants to help you with any questions that you might have.

Peace Of Mind

If you would like to shop for your next vehicle with peace of mind, you will enjoy our conditional pre-approval car loan offers that last for up to two weeks, giving you time to find the perfect car for you. We can pre-approve loans between $5,000 and $40,000.

Personalised Options

We know that your finances do not match anyone else’s. That is why we treat each customer with individualised care, taking the time to understand your unique financial situation to make certain you can make the weekly, fortnightly or monthly repayments. Our goal is to help you get the car that you need and want and to get you on the road as quickly as possible.

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 finalized 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 interest fixed rate loans 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 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 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.

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 $40,000 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 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.