Perth-based · 40+ lenders · Australia-wide
Greenside Finance team · Updated October 2026
Greenside Finance compares car loans from 40+ lenders for new, used, private-sale, FIFO and business vehicles. We're Perth-based finance brokers lending across Western Australia and Australia-wide: tell us the car and your situation and a broker comes back with lender options and the best fit for you.
| You are... | Go to |
|---|---|
| Buying a brand-new car | Keep reading: new car loans are below. |
| Buying a used car from a dealer | Used car loans |
| Buying from a private seller or auction | Private sale car loans |
| Working a FIFO or mine roster | FIFO car loans |
| Buying a car or van for your business | Business car loans |
| Buying a work ute | Ute finance |
| Self-employed with late or no tax returns | Low doc car loans |
| Boat, caravan or bike | Boat loans, caravan loans, motorbike loans |
Not sure which one fits? Get a free quote and tell us the car: a broker will point you to the right product.
| Tell us | Why |
|---|---|
| The car and price (or budget) | Lenders price by age, new or used, and amount. |
| Dealer, private sale or auction | A few lenders are dealer-only; private sales can price higher. |
| How you earn | PAYG, self-employed, FIFO or contract changes which lenders apply. |
| Deposit or trade-in | Lowers the amount borrowed. |
Requesting a quote doesn't affect your credit file.
A new car loan spreads the cost of a new vehicle over a fixed term, usually with the car as security. New cars are often cheaper to finance than used ones because the lender sees the car as lower risk. That's a general pattern and not a promise: your rate depends on your credit file, income and the lender.
| Factor | What to look at |
|---|---|
| Rate | The interest rate matters, but it's one piece of the cost. Compare it with the comparison rate, below. |
| Fees | Establishment fee, monthly account fee and early-exit fee. A low rate with high fees can cost more than a slightly higher rate with none. |
| Flexibility | Can you make extra repayments or pay it out early without a penalty? Fixed-rate loans often limit this. |
| Balloon (residual) | A balloon lowers repayments but leaves a lump sum at the end. It suits a planned upgrade, not a car you'll keep. |
| Term | A longer term lowers repayments but costs more interest overall. Match the term to how long you'll keep the car. |
| Approval fit | The sharpest lender on paper only matters if your profile fits their policy. We pick lenders you're likely to be approved by, so you don't collect unnecessary credit enquiries. |
A comparison rate rolls the interest rate and most fees into a single percentage so you can compare loans fairly. By law it's calculated on a $30,000 loan over 5 years, so your own loan may differ. Use it to compare, but also read the fees and the early-exit terms in the contract.
Any rate we show you comes with its comparison rate in writing before you sign.
Requirements vary by lender. Self-employed? See low doc car loans.
Illustrative scenario based on common enquiries, not a specific client.
A Perth buyer on a PAYG salary, 3 years in the job, wanted a new hatchback from a dealer with a small deposit. The dealer offered finance at the counter. We compared lenders on rate, fees and early-exit terms, and found a loan with no monthly account fee that suited his plan to make extra repayments. He knew his budget before he signed with the dealer.
Not always. Many lenders finance the full price for good credit and stable income. A deposit or trade-in helps if your credit file is weaker or the car is older, and usually widens your choice.
Some lenders specialise in credit-impaired borrowers. You'll have fewer choices and a higher rate, and approval is never certain. We tell you plainly which lenders are worth applying to, so you don't collect enquiries that damage your file.
Often, because lenders see new cars as lower risk. It depends on your profile and the lender, and a well-chosen used-car loan can beat a poor new-car one.
It's the interest rate plus most fees as one percentage, calculated on a $30,000 loan over 5 years. It's a better way to compare loans than the headline rate alone.
Yes. We can work out your budget and the lenders likely to suit you before you shop. Final approval depends on the specific car and the lender's checks.
A broker compares 40+ lenders instead of the one or two a dealer works with. We also explain fees, balloons and early-exit costs before you sign.
Often yes, but check the contract. Some loans charge early-exit or break fees, and fixed-rate loans can limit extra repayments.
Yes. See business car loans, ute finance and low doc car loans.
Two quick steps. No credit check to request 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.
