Perth-based · 40+ lenders · Australia-wide
Greenside Finance team · Updated October 2026
Finance for a used car from a dealer, auction or private seller, for personal or business use. A Perth broker compares 40+ lenders, Australia-wide.
A used car loan lets you finance a pre-owned car from a dealer, an auction or a private seller, with repayments spread over a set term. Greenside Finance are Perth-based finance brokers comparing 40+ lenders for used car loans, and we lend across Western Australia and Australia-wide.
Buying mainly for business use? Lenders assess a business car loan on your ABN, GST registration and business income rather than payslips. Tell us when you ask for a quote and we'll compare those lenders too.
| Factor | What it means for you |
|---|---|
| Car age | Most lenders limit how old the car can be at the end of the loan. Older and higher-kilometre cars have fewer lenders and usually cost more. |
| Income and employment | Lenders look at how stable your income is. Full-time, casual, contract and self-employed income are all assessed, with different rules at each lender. |
| Credit history | A good credit history opens the whole panel. Defaults, late payments and many recent enquiries narrow it, and the rate is usually higher. |
| Deposit | Some lenders finance the full price. A deposit or trade-in can widen your choices and lower your repayments. |
| Where you buy | Dealer purchases are accepted widely. Private sales and auctions are accepted by many lenders, but not all. |
Buying mainly for business? You'll also need your ABN and GST details; the documents for each option are on business car loans.
Missing some of these? Call us anyway. Requirements differ by lender and we'll tell you what yours needs.
Illustrative scenario based on common enquiries, not a specific client. Amounts are examples only. A Perth nurse on a permanent PAYG income wanted a five-year-old hatchback priced around $25,000, with a small trade-in. A good credit history meant most of the panel could consider her, so we compared several lenders on cost and fees rather than just the headline rate. A shorter term raised her repayment but cut the total interest, and she chose the option that fitted her budget.
Often yes, though your options narrow and the rate is usually higher. Some lenders specialise in past defaults and thin credit files. We tell you plainly what's realistic before any application goes in.
It depends on the lender. Many cap the car's age at the end of the loan, and a few go further for older or classic cars. Tell us the car and we'll check which lenders would consider it.
Not always. Some lenders finance the full price for borrowers with a good credit history. A deposit or trade-in can widen your options and lower your repayments.
Yes. Many lenders fund private and auction purchases, though a few only fund dealer sales. We run a PPSR check, arrange payout of any finance owing, and the lender pays the seller directly. See private sale car loans.
Some lenders decide within hours when your documents are complete, and others take a day or two. We can't promise an outcome, but we'll tell you what's needed to avoid delays.
Yes. For a car mainly for personal use, lenders assess self-employed income with BAS, bank statements or an accountant's letter, depending on the lender. If the car is mainly for business, a business car loan may fit better, and we arrange those too. See low doc loans for the business option that relies on your declaration of income instead of full financials or tax returns.
No. Getting a quote won’t affect your credit score. A credit enquiry is only listed if you decide to go ahead with an application.
A car loan is secured against the car, which often means a lower rate. A personal loan is unsecured and more flexible but can cost more. We'll compare both for your situation.
Choosing a broker? Read how to choose a car finance broker in Perth.
Two quick steps. No impact on your credit score to get a quote.
Greenside Finance Pty Ltd (ABN 76 678 053 122) is an Authorised Credit Representative (#561052) of Fintelligence Pty Ltd, Australian Credit Licence #511803. Unit 5/531 Hay St, Subiaco WA 6008 · 1800 147 336. All finance is subject to lender approval, terms, conditions and fees. Information on this page is general and doesn't consider your objectives, financial situation or needs.
