No impact on credit score
45+ Lenders Australia Wide
Obligation-Free Quotes
Why get a used car loan through Finance Barn?
Save time
Compare multiple lenders in one place without repeating your details.
Get personalised rates
See real loan choices that match your profile.
No credit score impact
Explore your options without affecting your credit rating.
Get expert support
We guide you from application through to final approval.
Borrow up to $500,000
Loan terms from 1 to 7 years
Suitable for both dealership and private sales
Balloon payment options available
No deposit required
Competitive rates based on your profile
Early repayment options available
Full support through paperwork and settlement
Am I eligible for a used car loan?
Getting approved for a used car loan depends on a few key things. We work with flexible lenders who look at your overall profile, not just your credit score:
Australian residency or a valid visa
A valid driver's licence
We can help even if you had issues with credit in the past
Loan amount and term that align with your financial situation
Credit History & Score
Having a record of consistent repayments can help improve your chances of getting a better rate.
Vehicle Age & Condition
Newer cars are often seen as lower risk, which may give you access to more flexible loan options.
Income Stability
Lenders want to see regular income from work or business to know you can handle repayments comfortably.
Existing Liabilities
Other loans, debts, or ongoing financial commitments are reviewed to make sure you can afford the new loan.
Loan Amount & Term
The amount you want to borrow and how long you plan to take to repay it can both influence the final rate.
In our Used Car Loan Guide