Need Finance for a New Car? Finance Barn Has You Covered

Get matched with flexible new car loan options, quick approvals, and real support from people who keep it simple.

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No impact on credit score

45+ Lenders Australia Wide

Obligation-Free Quotes

Why get a New Car Loan through Finance Barn?

Quick Approval

Most approvals happen same day.

Flexible Terms

Choose repayment options that suit you.

Better Rates

Access competitive rates from top lenders.

Real Support

Get help from real people at every step, from start to finish.

How New Car Loans Work

At Finance Barn, we’ve made financing your new car as smooth as possible. Whether you're buying from a dealership or directly from a manufacturer, we help connect you with a lender that suits your needs.

The process is simple. Fill out a quick online form, and we’ll get to work matching you with available loan options. We’ll help with the paperwork, stay in touch throughout the process, and ensure everything is organised so you're ready to pick up your new car with confidence.

What to Expect From a New Car Loan With Finance Barn

Borrow up to $500,000

Loan terms from 1 to 7 years

Demos and unregistered stock

Option to include a balloon payment

Fast, paperless online process

Multiple lenders compared in one place

No deposit required

Early payout options available

Am I Eligible for New Car Finance?

Eligibility depends on a few key things. While requirements vary by lender, most commonly look for:

Australian residency or valid visa

Credit Score and History

Income or Employment

Meeting the minimum age requirement

Ability to comfortably manage repayments

We can help even if you have impaired credit, as lenders look at your overall credit history and financial profile

Factors That Impact Your Car Loan Rate

Lenders consider several factors when determining the interest rate for your new car loan. While rates vary, here’s what commonly influences the outcome:

Credit History

A strong track record of timely repayments may help you qualify for a more competitive rate.

Vehicle Age & Type

Your choice of car can influence both loan eligibility and rate options.

Income Stability

Reliable income helps demonstrate your ability to meet repayments comfortably.

Current Liabilities

Existing loans or financial commitments are reviewed to ensure you can manage your new loan responsibly.

Employment Type

Whether you're full-time, casual, or self-employed, your employment situation can play a role in the rate you're offered.

Loan Structure

The way your loan is set up — including term length, repayment frequency, and whether a balloon payment is included — can also affect the final rate.

How Much Can I Borrow for a New Car?

Your borrowing limit depends on factors like your income, credit history, and financial profile. At Finance Barn, we work with lenders who offer a wide range of options. Some customers may be eligible to borrow up to $500,000 for a new car, depending on their situation.