Car Finance
DONE EASY & DONE RIGHT
Low rate car finance for new and used cars
Buy your dream car your way – with guaranteed low rates and options that suit you
Alpha390 drives car finance further
We have helped hundreds of Australians save thousands of dollars on their car loan. We’re linked to over 25 of Australia’s top lenders fighting for your business. This means you save more because we compare more.
Our expert car loan consultants are with you every step of the way. We give each and every customer personalised service so you can rest knowing you’ve secured a great car loan deal suiting your budget and needs.
Think car loans, think Alpha390
Get more car loan options. Whether you’re buying used, certified used, or from a private seller or dealer, we can help secure the best rates and most flexible terms. If you’re in business, we speak your language. We help businesses secure commercial rent-to-own and hire purchases that keep cash flowing.
Do you have bad credit? We fight hard for bad credit customers to get the fairest treatments on car finance. Our consultants can help you, no matter your circumstances.
Use our loan & finance calculator
Enquire today for a quote!
Get the right car loan with Alpha390
See how Alpha390 will help you secure a great deal on your car finance through its panel of lenders
Your car loan, your way
Alpha390 helps you secure a great low rate car loan that’s flexible and affordable.
The choice is yours
Buying private? Going used? Talking to a dealer? Alpha390 finds you the best deal no matter how you buy.
Comparing more, saving more
Alpha390's finance experts scour loans from over 25 of Australia’s leading lenders, so you save more.
We know car loans
Alpha390’s team are hand-picked experts in car finance. Trust our knowledge and get unparalleled advice.
100% finance available
Need 100% finance? Alpha390's got you covered. We can also finance your insurance so you have peace of mind.
Bad credit? Don’t worry
Alpha390 helps people with bad credit gain car finance approval. 9 out of 10 applicants are guaranteed success.
Our range of car loan options to suit your all needs
We not only compare car loans but offer savings on finance for leasing, business, and bad credit customers
Car Finance
Alpha390 is one of Australia’s trusted and fastest growing car loan brokers. We’ve helped hundreds of people get the lowest car loan rates so they save even more: no obligation to apply.
Chattel mortgage
The most popular car loan for people in business. Save on tax, preserve cash flow and experience the freedom to do more. We give you expert advice so you can get into a car quicker.
Rent-to-Own
Let Alpha390 find your perfect rent-to-own purchase. We connect you with banks and lenders specialising in hire purchases so you can structure liabilities your way. Flexible terms and rates available.
Car Lease
Always have the latest wheels with car leasing. Come to us and we’ll put together a leasing package that suits your budget and preferences. Choose from Australia’s best leasing deals
Novated Leasing
Also known as salary sacrificing, Alpha390 can help you and your employer put together a novated lease package with ease. Save on tax and gain all the benefits of a company car.
Bad Credit Car Finance
9 out of 10 applicants are approved with Alpha390. We pride ourselves on delivering results, getting you approved and at the same time helping you fix up your credit rating.
What our customers are saying about their finance experience 🙂
Read real stories from our satisfied car loan customers. Our consultants go above and beyond to help you get the best car loan
Excellent service by Alpha390
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MARIO IS THE BEST
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– By Gene Roddenberry
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COZWA IS JUST FAB
Here is some test text so I can get the fonts and spacing right.
– By Gene Roddenberry
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Got a question about Car Loans or Car Finance?
Read through our knowledge base to find answers to all your common car loan questions
A car loan is a personal financial product in which a lender provides a private individual with the funds necessary to purchase a car or similar vehicle.
A secured car loan is a financial product that ties the amount of the loan to the value of the car. The car is used as collateral. In return for the security, your car loan interest rate is generally lower.
When looking at interest rates for car loans, an interest rate shows you the total interest you will pay on the principal. A comparison rate includes most fees and charges expressed as a total interest rate. You can compare similar loans using a comparison rate table.
The average car loan term is 5 years. People can opt for shorter or longer terms depending on their needs and circumstances. Some car loans can last for 12 months all the way up to 7 years.
You can start your application by getting a free, no-obligation quote. One of our friendly financial professionals will contact you and guide you through the process.
You can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties.
We can approve finance within 24 hours. If you require immediate approval, our consultants are standing by.
You can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties.
YES! Savvy Finance specialises in finding car loan deals for new arrivals and temporary residents. We can make sure you can get a car loan while on a 457 Visa.
YES! We can broker deals that allow for additional repayments. Ask your friendly financial professional for more information.
YES! Many of our loans give you the options to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.
Helpful Information on Car Finance
Read some of the helpful information on car finance to help you make the right decision
Buying New or Used – What’s the best for you?
Buying new is more expensive, buying used is cheaper. But is it so cut and dry? Often buying new means massive (and instant) depreciation. Buying used may only drive you so far until you need repairs and replacement parts. What is best for your situation? If you are buying new and you’re planning for a family, buying something larger may suit you well for five or even ten years. A comparable used car may have a much shorter lifespan.
When Zero doesn’t equal “nothing” – 0% loans
Chances are you’ve seen car dealers offer “zero percent” loans on TV or radio. These may sound enticing, but are not all they’re cracked up to be. Dealers offering “zero” percent loans may add hidden fees, penalties and force you to buy older models at the retail price. That might mean paying more for last year’s model. Buying a retail car loan from a reputable broker or lender while negotiating a better price is a better option that will save you money in the long run.
Car loan repayments and your budget
Buying a car with finance means monthly repayments. It makes financial sense to budget for your repayments so you never run into trouble. But does it give you the full picture of how much you’ll be paying? Budgeting for repayments is a good first step, but you must also consider consumables and other expenses. Insurance, fuel, servicing and incidentals such as cleaning may play into your bottom line.
Buying private vs dealer purchase – what’s best?
In the car buying world the age-old debate of buying private and buying from a dealer rages on. What is best? It depends on your objectives. If you want to save money and don’t mind the inconvenience of travel, no-shows and checking documents and VINs online, buying private is the way to go. Dealer sales are almost always more expensive, but you get warranties, protection under consumer law and after-sales support. What is more important? Price, convenience or added safety?
Brands you can trust
We are accredited with the most reputable lenders in Australia giving your a fair choice to compare
