Personal Car Loans

Not having a car can drive you crazy pretty fast! That's why we offer personal car loans for when you need to get going in a hurry. Our car loans start at $150 and go all the way up to $2,000, meaning that you can secure yourself a good chunk of cash to put toward a new or second-hand car, giving you back the quality of life you deserve.

Buying A Car

A personal loan for a car is a great way to secure yourself a car sooner rather than later, and is taken out in the form of a personal loan. With personal car loans, you aren't limited to purchasing just cars, either – you can use the loan to purchase a ute, 4WD, a motorbike, or any other road vehicle. Car loans are a good idea if you don't have the savings set aside for buying a car out of pocket, allowing you to buy the car now and repay it over a number of set instalments.

Car Loans For Bad Credit

Worried that you won't be able to get a car loan with bad credit? No worries! At Sunshine Loans, we offer car loans for bad credit by assessing each applicant's individual circumstances. We understand that while things may have been financially rough for you in the past, that won't necessarily always be the case. Talk to us today about car loans for bad credit.

Car Loans For Centrelink Customers

Not owning a car can be a barrier against getting a new job, which is why we may be able to offer you a car loan despite your welfare status. If you also earn money from a casual job on top of your government benefits, talk to us today about car loans for Centrelink customers.

Car Loans For Pensioners

Bring back a sense of personal freedom – even if you're a pensioner, you can still apply for car loan with Sunshine Loans. Car loans for pensioners are available for those who still have financial independence, such as those who work casual jobs and receive the pension simultaneously.

A personal loan for a car may also be used for paying bills related to your car in the form of car title loans and car registration loans.

How Much Can You Borrow?

At Sunshine Loans, we offer small car loans of up to $2,000. Not to toot our own horn, but we think this is pretty great – being small, our personal car loans won't overwhelm you with debt, and they're simple to pay off. Our loan costs and other fees are also clearly outlined, so you won't get tripped up on any fancy language or nasty surprises.

What You Need To Know

You'll need to meet a few requirements in order to take out a car loan with Sunshine Loans. Don't worry – they're simple enough. You'll need to be:

  • Aged 18 years or older.
  • Receiving $300 a week take home pay. This income can come from a part-time or full-time job and government benefits (e.g. Centrelink), but cannot solely come from government benefits.

When you're ready to apply, it's simple: we accept applications for our personal loan cars, car title loans and car registration loans 24 hours a day, 7 days a week. You can apply online or over the phone, if you feel you need some assistance, or want to discuss your new loan in detail.

Fees & Charges

With simple terms and transparent fees, Sunshine Loans is here to help you sort out your car loan and get you back on the road faster.

For a loan between $150 – $2,000, here's what you can expect to pay.

  • An establishment fee of 20% of the amount borrowed.
  • Monthly loan fee is 4% of the amount borrowed.
  • Our loan repayment terms generally run for a period of 9 weeks, but you can pay out early at any time – without penalty.

Why Choose Sunshine Loans?

Because Sunshine Loans has been around for years, helping Aussies out with personal loans wherever we can! We pride ourselves on our easy to understand application process (which is fast and paperless, and can be filled out 24/7), as well as our responsible lending policies. This means that we won't loan money to people if we think a new loan will only worsen their financial situation. If you urgently require help with money, we recommend visiting Money Smart, a government website set up to help those in need.

We are also understanding of and respect every applicant's unique circumstances, meaning we can even offer loans to those with bad credit.

Apply For A Car Loan

Ready to hit the road with a car loan? Apply with Sunshine Loans today, and have cash in your account in under 24 hours. Call us on (07) 5526 8866 (9:00am to 4:00pm QLD time) to talk to one of our friendly team members, or hop on over to our loan application page and apply quickly from the comfort of your own home.

Apply FAQs