Quick Quote

Quotes are confidential, and there is absolutely no cost or obligation.

Unsecured Car Loan

Easy unsecured car loan comparison

We specialise in helping people just like you with an unsecured car loan quote or an unsecured car finance quote. Our job is to help compare different unsecured car loan options from a wide variety of lenders in the market-place. It you are looking for a great deal, we can show you how to get it. There’s no one-size fits all approach to car loans, so we aim to provide you with a summary in an easy to understand format.

What determines my interest rate?

Most lenders load the interest rate and of course, they all load it for different reasons. Things like:

  • is it an secured car loan or an unsecured car loan
  • are you buying new or used
  • is it from a dealer, private sale or an existing vehicle
  • how old is the car
  • the amount you want to borrow
  • the loan term
  • the loan to value ratio
  • whether you have a balloon
  • your credit score

are just a few of the factors that may contribute to the interest rate you are provided in your car loan quote. However when you borrow using an unsecured car loan, many of these things do not apply. Typically, an unsecured car loan is often more expensive than a secured car loan as the risk to the lender is generally considered to be higher but in some cases it may provide more flexibility and actually be cheaper.

Are there any fees?

Your unsecured car finance quote will clearly set-out any known fees. Guess what – there no set method for calculating fees either in an unsecured car loan quote. Generally though, most unsecured car loans have an application fee and a monthly fee. Therefore, considering the overall cost of the loan becomes an important factor. That is exactly what we can help you with when we provide you with an unsecured car finance quote.

How do I know if it’s a good deal?

When you receive your car loan quote, we’ll also give you the reasons as to why we have selected the specific product(s) for you. In addition, we’ll give you your unsecured car loan repayments, so there’s no need for you to use an online car loan calculator. We’ll then give you an opportunity to ask us any questions. We are very open and transparent about everything we do, so please feel free to ask anything you want. If at anytime you also want a quote for a secured car loan, so you can compare the difference, let us know. We make unsecured car loans, as easy as 1-2-3.

Lenders you can trust

How we can help you

You Can Finance, part of You Can Group, specialises in helping everyday Australians, tradies and business owners to finance cars, trucks, motorbikes, equipment, caravans, boats, jet-skis and other business equipment.
  • Australian Credit Licence (No. 511531)
  • FBAA Accredited Member (No. M-342583)
  • AFCA Member (No. 62643)
You Can Finance - Lenders you can trust

Our clients are saying

Absolutely the best service and prompt responses that you could get

Michael cared for my outcome and did what ever he could to help

- By Matthew Garoni 1 day ago

Review was fast and efficient

Communication was great…

- By Anonymous 2 days ago

My go too when needing finance

Excellent service quick and stress free Michael took the stress out of the loan process, and got us the best interest rate

- By Anonymous 1 month ago

Excellent!

Outstanding service and knowledge from Michael. A pleasure to deal with and very prompt. Certainly worth engaging the services of a knowledgeable broker rather …

- By Anonymous 2 months ago

Client Feedback

Michael has been so helpful and supportive through the whole process, keeping us updated and totally informed of what was happening. Being able to contact Micha…

- By Yolandi Nel 2 months ago

Client Feedback

we had a gentleman called Michael Bowlng he is fantastic person to deal with and he cares about his clients, he goes above and beyond to help in every way he ca…

- By Annette Saxby 3 months ago

You Can Finance is rated 4.9 for customer satisfaction by 15 customers

Questions

How long does it take to get an unsecured car loan quote?

Not long at all. You can request a quote online and we’ll have it back to you in no time at all. Alternatively, we can chat over the phone to find out what you’re looking for and then email or post it to you in writing. Either way, as quickly as you can answer the questions relevant to your situation, we can give you a quote.

How long does it take to get an unsecured car loan approval?

If you have your paperwork handy, from the time you complete the Quick Quote form to the time you are approved, can be less than 4 hours. Realistically, we know from experience that many people are often at work or have other more important things going on (i.e. the kids are screaming in the background), so by the time most people are typically ready to get things moving, allowing 24-48 hours is a good place to start. We can move things as quickly or as slowly as you want – the choice is yours.

I have bad credit, can I still get a loan?

We have been helping people with bad credit for over 15 years.

I am self-employed, does this make a difference?

It might mean that we need a little less or a little more paperwork. We’ll help you to make the process simple and easy.

How much can I borrow?

That’s exactly what we can help you with – request a Quick Quote now and we’ll let you know within a few minutes. You may have been declined elsewhere and told you were unable to afford the loan. A good broker should be able to give you a reasonable idea of what you can afford before you put in an application – just ask and we can help.

Can I buy the car in the name of my business?

If you run a business, then of course. However, we’d encourage you to check with your Accountant first.

Hints and tips

Brokers can equal better deals

Finding the best interest rate is only half the job of a broker, if you are to find the overall best deal. A broker will also help you to get your loan approved. We’ll take the time to quickly understand your individual situation prior to providing you with a written quote. At You Can Finance we have an extensive panel of lenders and over 15 years of industry experience and are confident that we can assist you in finding a great deal.

What can I do to get the best deal?

Long term stable employment and the time you have lived in both your current and previous homes go a long way to making a lot of lenders feel comfortable that you will be a low risk borrower. If the lender feels that you are low risk, then you’ll more likely be eligible for the best car loan deals. However, there are more important things in life that override your decisions to move jobs or homes. So focus on things like making sure that you pay your bills on time and avoid getting any reversals or dishonours on your bank statements, as these can often lead you further away from the best deals.