Car Loans Perth
Car Loans Perth
If you’re buying a vehicle, we offer the best rates & quickest approvals in Perth
Best rates for cars, vans, trucks and utes.
We also offer exceptional business fleet pricing & loans.
Explore Our Loan Options
Who offers the lowest interest rate car finance in Perth? We do.
Who offers the lowest interest rate car finance in Perth? We do.
Perth Car Loans
Secure financing in Perth for your dream car with flexible terms and competitive rates and FAST approvals
Rent to Own Options
Enjoy the flexibility of renting with the option to own your vehicle or equipment.
Perth Truck Loans
Get the right loan for your truck, whether for personal or business use, with fast approvals.
Equipment Loans in the Perth Area
Finance essential equipment for your business with our tailored loan solutions.
Loan Calculators
Use our calculators to estimate your loan payments and plan your budget effectively.

Perth Car Loans
Secure financing in Perth for your dream car with flexible terms and competitive rates and FAST approvals
Rent to Own Options
Enjoy the flexibility of renting with the option to own your vehicle or equipment.
Perth Truck Loans
Get the right loan for your truck, whether for personal or business use, with fast approvals.
Equipment Loans in the Perth Area
Finance essential equipment for your business with our tailored loan solutions.
Loan Calculators
Use our calculators to estimate your loan payments and plan your budget effectively.

Why Choose Frontline Car Loans Perth?
Rapid Approval Process
We offer the fastest loan processing in Perth.
Our streamlined loan application process ensures you receive approval in record time.
Flexible Repayment Options
Choose from a variety of repayment plans that align with your financial capabilities.
Personalised Loan Solutions for Perth Vehicle Owners.
We tailor our loan options to fit Perth’s unique financial situation and goals.
Expert Support Team
Our knowledgeable team is here to guide you through every step of the loan process.

Why Choose Frontline Car Loans Perth?
Rapid Approval Process
We offer the fastest loan processing in Perth.
Our streamlined loan application process ensures you receive approval in record time.
Flexible Repayment Options
Choose from a variety of repayment plans that align with your financial capabilities.
Personalised Loan Solutions for Perth Vehicle Owners.
We tailor our loan options to fit Perth’s unique financial situation and goals.
Expert Support Team
Our knowledgeable team is here to guide you through every step of the loan process.
What Our Clients Say
What Our Clients Say
Emily R.
James T.
Sophia L.
Ready to Drive Your Dream?
Don’t wait any longer to get behind the wheel of your ideal vehicle. Apply now for a fast and easy loan approval with Frontline Car Loans. Our team is here to help you every step of the way.
Ready to Drive Your Dream?
Don’t wait any longer to get behind the wheel of your ideal vehicle. Apply now for a fast and easy loan approval with Frontline Car Loans. Our team is here to help you every step of the way.

Get in Touch with Us
1/14 Halley Rd Balcatta WA 6021
(08) 6188 0131
loans@teamfrontline.com.au
Quick Application
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FAQ’s on Vehicle Finance for Australians
Navigating the world of car loans can be confusing. We’ve put together answers to the most common questions we receive to help you understand the process and drive away with confidence.
Getting Started
1. How much can I borrow?
The amount you can borrow depends on several factors, including your income, expenses, credit history, and the type of car you wish to purchase. We assess your financial situation to determine a loan amount that is suitable and affordable for you. You can use our online calculator for a quick estimate or speak to one of our specialists for a more detailed assessment.
2. What are the basic eligibility criteria?
To apply for a car loan in Australia, you generally need to be:
At least 18 years old.
An Australian citizen, permanent resident, or hold an eligible visa.
Have a regular source of income.
Possess a valid Australian driver’s licence.
3. Will applying for a loan affect my credit score?
When you submit a full application, a credit enquiry is recorded on your credit file, which can have a minor, temporary impact on your score. We recommend using our “soft search” or pre-qualification tools where possible, as these do not affect your credit rating and can give you an idea of your borrowing capacity.
About the Loan
4. What is the difference between a secured and an unsecured car loan? A secured car loan is the most common type. The vehicle you are buying is used as security (collateral) for the loan. This reduces the risk for the lender, which usually results in a lower interest rate for you. If you fail to make repayments, the lender may be able to repossess the vehicle.
An unsecured car loan does not use the vehicle as security. Because this presents a higher risk to the lender, these loans typically have higher interest rates.
5. What is a ‘comparison rate’?
The comparison rate is a legally required figure in Australia that helps you understand the true cost of a loan. It combines the interest rate with most of the standard fees and charges associated with the loan (like application fees and ongoing fees) into a single percentage. Always use the comparison rate to compare different loan products, not just the headline interest rate.
6. What is a ‘balloon payment’ or ‘residual value’?
A balloon payment (or residual value) is a lump sum payment due at the end of your loan term. By including a balloon payment, your regular monthly repayments are lower throughout the life of the loan. However, you must be prepared to pay this larger final amount. At the end of the term, you can choose to pay the balloon, trade in the car, or potentially refinance the balloon amount into a new loan.
7. Should I choose a fixed or variable interest rate?
Fixed Rate:
The interest rate is locked in for the entire loan term. This means your repayment amount will never change, making it easy to budget.
Variable Rate:
The interest rate can move up or down with market changes. Your repayments may change, which offers flexibility but less certainty.
Fixed-rate loans are by far the most common for car finance in Australia.
The Application and Purchase Process
8. How long does the approval process take?
In many cases, we can provide conditional approval within a few business hours, provided you have supplied all the necessary information. Final approval and settlement may take 1-2 business days once we have the signed loan documents and the invoice from the seller.
9. What documents do I need to provide?
Typically, you will need to provide:
Proof of identity (e.g., Driver’s Licence, Passport).
Proof of income (e.g., recent payslips, bank statements, or tax returns if you’re self-employed).
Details of your assets and liabilities (other loans, credit cards, savings).
10. Can I get a loan for a new or a used car?
Yes! We offer finance for both new and used vehicles. Some lenders may have restrictions on the age of a used vehicle (e.g., no older than 12 years at the end of the loan term), but we work with a wide panel of lenders to find a suitable option.
11. Can I buy from a private seller, or only from a dealership?
We can help you finance a vehicle from both a licensed car dealership and a private seller. The process for a private sale is slightly different, as we need to conduct checks on the seller and the vehicle (such as a PPSR check to ensure it’s not encumbered or stolen), but we guide you through every step.
Repayments and Fees
12. Can I make extra repayments or pay my loan off early? Yes, most of our loan products allow you to make extra repayments to pay off your loan faster and save on interest. Some loans may have an early termination fee, so it’s important to check the terms of your specific contract. We always aim to provide flexible loan options.
13. Do I need comprehensive car insurance? If you have a secured car loan, you will be required to have a comprehensive car insurance policy for the duration of the loan. This protects both you and the lender in case the vehicle is damaged, written off, or stolen. You will need to list the lender as an interested party on the policy.
14. Are there options for business customers? Absolutely. We offer a range of commercial finance options including Chattel Mortgages, Hire Purchase, and Finance Leases for ABN holders and businesses. Speak to our team to find the most tax-effective solution for your business needs.