Quick Quote

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

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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)

Our clients are saying

Amazing service, Michael Is very helpful

Everything was made very clear and it was a very simple and smooth process thanks to Michael

- By Brianna Cotton 2 years ago

Fast and reliable

Michael was extremely helpful and guided me through the personal loan process in a timely way to help find an affordable product. I had some issues with submitt…

- By Roo Shannon 3 years ago

Amazing Experience 👏

Michael was amazing 👏 went above an beyond to get our finance for the new car. The first day I call him he was so helpful and had so much knowledge in finan…

- By Cassandra Formosa 3 years ago

Happy Customer

Michael made the process very smooth, effortless and quick compared to other financial institutions.

- By Lea-ann Ortolani 3 years ago

Yes, You Can Finance.

Our request for a debt consolidation loan was not a straight forward matter considering our personal circumstances. However after receiving our initial applicat…

- By Anonymous 3 years ago

Client Feedback

I would 100% recommend You Can Finance to anyone wanting to get a loan. This was my first time getting a loan out and it’s was a lot more stress free then I t…

- By Brinlee Hartwig 3 years ago

You Can Finance is rated 5 for customer satisfaction by 42 customers

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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 20 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 20 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.