Car loans, compared for you
New or used cars, EVs and hybrids, from a dealer or a private seller. We compare our lender panel so you don’t have to apply to lender after lender.
Car loans with Dosh
New and used cars
From dealers or private sellers.
EVs and hybrids
Some lenders offer discounted green rates.
Fixed repayments
Know exactly what you’ll pay each month.
Balloon options
Lower repayments with a residual, where suitable.
Pre-approval
Shop with confidence knowing your budget.
No credit check to start
We only apply when you’re ready.
Matched by AI, structured by a specialist
Car loan rates depend on your credit history, income and employment, the car’s age and the loan amount. Each lender weighs these differently, so comparing makes a real difference.
We’ll look at your situation first, explain your options, and only submit an application once you’re happy. All personal lending is subject to responsible lending checks.
Every deal is AI-matched across our panel of 30+ lenders (Big 4, mid-tier and private) for the best fit and quickest turnaround. Larger or more complex deals are handled personally by one of our finance professionals. After settlement you get access to our client portal to track your loans, upcoming payments and documents.
Car loans: common questions
Can I finance a private sale?
Yes, several lenders finance private sales, usually with a PPSR check and vehicle inspection.
How long does approval take?
Often 24–48 hours once the lender has your documents.
Should I get pre-approved?
Pre-approval helps you shop with a clear budget and move quickly when you find the right car.
Will getting a quote affect my credit score?
No. There’s no credit check until you choose to apply.
Other finance we arrange
*24-hour turnaround applies to eligible applicants for loans under $500,000. Approval and timing depend on the lender’s credit assessment. General information only; it doesn’t take your objectives, financial situation or needs into account. Speak to your accountant about tax.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.