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Private Car Loan

Found your car privately?
Cars and Finance Direct can organise private car loans for vehicles purchased privately at great rates and with excellent service. We have a wide range of finance providers, many of whom offer private car loans.

Why not apply for your private car loan now.

Easy And Friendly Online Application For Your Private Car Finance or Private Car Loan

We offer the best products, the best service and have the knowledge and
experience to provide you with car finance or a car loan that is the best fit for your individual needs.

Applying for car finance or a car loan with Cars and Finance Direct is quick and easy, It takes less than a minute to complete the easy online car finance or car loan application.

Why not fill it out now, it is so easy!

Get Car Finance or A Car Loan Now

  • Fill in the easy online application
  • Let us give you a call
  • Call us toll free 1800 13 55 12
One of our car finance or car loan experts will contact you to assist with
every aspect of arranging your car finance package or personal car loan.

Top Tips for Purchasing a Vehicle Privately

1. Organise Finance Before Inspecting Vehicle

This saves time as you know exactly what you can and afford. A pre approved car loan also enables you to act quickly when you do find the right car and to negotiate a better deal. As part of the finance process your Cars and Finance Direct specialist will assist you verify correct and proper ownership of the car you are purchasing and will arrange insurance for you prior to taking delivery of the car.

2. Shop Around Before Spending

Look at a number of cars so you can get a good idea of the prices, average odometer readings and general condition of cars on offer so you're armed and ready to negotiate with the seller. Internet search sites also
provide a great indication of what is on offer in the marketplace. Visit our cars for sale page to view thousands of used cars online.

3. Service History

Ask to see the car's service book and check its service history. Check that the kilometres on the odometer tallies with service and repair receipts.

4. Gain a VCheck

Visit www.checkitout.com.au and check the car's history by using the vehicle's VIN number. There are some mysteries that even a mechanical inspection cannot uncover for example how many owners a vehicle has had or what the vehicle has been used for.

5. Get a Professional Inspection

Where possible have the car checked by a professional who will be able to give you a pre-purchase inspection report on the condition of the car and provide an estimate of cost of any repairs that may be warranted. You can then ask for the cost of these repairs to be deducted from the asking price.

6. Transfer of Registration Ability

To enable transfer of registration, the vehicle should also have a completed mechanical check in accordance with the relevant State registration transfer authorities. If there is no certificate provided, transfer of registration may not be possible.

7. Ask about the Warranty

If the vehicle is out of manufacturer's warranty expensive mechanical repairs could become a financial burden. Your Cars and Finance Direct specialist can assist by arranging an extensive warranty cover for you.

8. Ensure The Vehicle is Free of Any Financial Obligation

Many finance companies take security over a vehicle when lending to consumers or companies. Any such encumbrances are registered by the relevant state authority and a search of those databases providing the VIN number, the engine number and the registration number will confirm if there are any funds owing.

If it is found that there are funds owing on the vehicle, the encumbrance must be cleared or discharged prior to your purchase of the vehicle or simultaneously with the purchase of your vehicle otherwise title to the vehicle cannot pass onto you as the purchaser. Once again if you are arranging finance for the vehicle, Cars and Finance Direct can assist you in ensuring that ownership to the vehicle flows correctly through to you. You can also access a PPSR check by going to the relevant website.

9. Test Drive

Before test driving a car make sure it is registered and never drive an uninsured car!

10. Beware of Scams

When viewing advertisements online from private advertisers you need to be aware of common internet scams. These usually involve the advertiser requesting you transfer money before you've seen the vehicle but there are several variations. The Australian Government has a helpful website called "SCAM Watch" with information about common car scams. Remember, if it seems too good to be true, it probably is! If you feel uncertain about making a private vehicle purchase look for a Licensed Motor Vehicle Dealer to mitigate the associated risks with buying privately.

Our Car Finance And Car Loan Service