Perth-based · 40+ lenders · Australia-wide
Greenside Finance team · Updated October 2026
Finance for a car from a private seller, for personal or business use. A Perth broker compares 40+ lenders for you, Australia-wide.
Yes, you can get a car loan for a private sale: many lenders will finance a car you buy from a private seller rather than a dealer, and the lender pays the seller directly. Greenside Finance are Perth-based finance brokers comparing 40+ lenders, including those that fund private sales, and we run the PPSR check at no cost to you. We lend across Western Australia and Australia-wide.
Get approval first, so you know your budget before you hand over a deposit. A private seller won't wait while you sort finance.
With a dealer, the dealer handles the paperwork. In a private sale, you do, with our help. The lender needs proof the seller owns the car and that nothing is owed on it, then pays the seller directly once the paperwork is right.
| Step | What happens |
|---|---|
| PPSR check | A search of the Personal Property Securities Register shows if there's finance owing, or if the car is written off or reported stolen. We run it for you, at no cost to you. |
| Payout of existing finance | If the seller still owes money, it must be paid out at settlement so you get clear title. |
| Seller details | The lender needs the seller's name, bank details and a signed sales contract or invoice. |
| Payment | The lender pays the seller by bank transfer, not cash. Don't pay a deposit to a stranger before the finance is confirmed. |
| Transfer | In WA, the transfer is lodged with the Department of Transport and Major Infrastructure (DTMI), where the buyer pays vehicle licence duty. |
| Question | Private sale | Dealer |
|---|---|---|
| Who checks the car's history? | We run the PPSR check for you, at no cost to you | The dealer must give clear title |
| Who pays the seller? | The lender, by bank transfer to the seller (and their financier if money is owed) | The lender pays the dealer |
| Which lenders? | Many of our 40+ lenders; a few are dealer-only | All lenders |
| Price | Often lower than a dealer for the same car | Usually higher, sometimes with a warranty |
| Paperwork | Sales contract, seller ID and bank details, WA transfer | Dealer tax invoice |
Buying mainly for business? Add your ABN and GST details. Depending on the lender's option, business income is shown by your declaration of income, BAS or bank statements, or tax returns: see business car loans.
Illustrative scenario based on common enquiries, not a specific client. Amounts are examples only. A Perth buyer found a seven-year-old SUV on a classifieds site for about $22,000. The PPSR check showed the seller still owed money to a finance company. We arranged for the lender to pay the seller's finance company first and the seller the balance, so the buyer got clear title instead of inheriting the debt.
Yes. Many lenders fund private sales, though a few are dealer-only and some price private sales slightly higher. We shortlist the lenders that suit your car and credit history.
Yes. A car listed on Facebook Marketplace, Gumtree or Carsales by a private seller is a private sale, and lenders treat it the same way. We run the PPSR check and the lender pays the seller by bank transfer once the paperwork is right.
The PPSR shows whether a car has finance owing, has been written off or is reported stolen. If you buy a car with finance owing, the lender can still have a claim on it. We run the check for you, at no cost to you.
Not always. Some lenders fund the full price if your income and credit history are strong. Others want a deposit, especially for older cars or past credit issues. We'll tell you which applies to you.
Often yes, but timing is tight because auction payment is due quickly. Talk to us before the auction so your approval is in place. Not every lender funds auction purchases.
It can be. Some lenders add a small loading for private sales, and a few don't fund them at all. A lower purchase price can still make the total cost lower. We compare the two for you.
Sometimes. Options narrow with past defaults and the rate is usually higher, but some lenders specialise in this. We'll be upfront about what's realistic.
Once you have approval and the paperwork is complete, often a few days. Delays usually come from the seller's payout figure or missing details, so get those early.
Check the PPSR, see the car in person, match the seller's name to the registration, and don't pay a deposit before finance is confirmed. We run the PPSR check and the lender pays the seller by bank transfer, never cash.
Yes. Lenders fund interstate private sales and the PPSR covers all of Australia. If you're bringing the car into WA, allow time for the WA vehicle inspection and transfer before you rely on it.
Sometimes. Age and import rules vary a lot by lender. Send us the details and we'll check which lenders would consider it.
Choosing a broker? Read how to choose a car finance broker in Perth.
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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.
