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Finance Ezi | Australian Finance Brokers

Car Finance

Car Finance

Unsecured Car Loans



without affecting your credit score



Get Pre-Approved Now – No Waiting!

Finance Ezi is the place for unsecured car loans in Australia. We offer a simple path to finance your next new or used car without collateral. Our unsecured car loan process is designed with your convenience in mind.

  • Fast online approvals
  • Quick funds release
  • Competitive rates starting from 7.24%
  • Flexible repayment options tailored to your financial situation

We partner with the most reputable lenders to ensure you receive a no-hassle car loan at the best possible terms. With Finance Ezi, getting into your new set of wheels faster is easier than ever, ensuring a payment schedule that suits you without any extra charges.

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Benefits of an Unsecured Car Loan


With an unsecured car loan, we offer the freedom to borrow any amount you wish, as long as you can demonstrate the ability to make the repayments. This flexibility extends to covering not just the value of the car but also associated costs such as registration, insurance fees, and repairs. The funds are dispersed in one lump sum, giving you immediate access to what you need without tying the loan amount directly to the asset’s value.


Our unsecured car loans ensure that there is no risk to your personal assets. If you rely on your car for daily use, you run the risk of repossession if you cannot make your payments with a secured loan. However, with our unsecured loans, there is no threat of asset seizure in the event of default, meaning you won’t lose access to essential assets you can’t afford to lose.


While unsecured car loans may generally have a higher interest rate than secured car loans, they typically offer lower rates than other forms of unsecured credit, such as credit cards or short-term personal loans. We encourage a thorough comparison to ensure you’re getting an affordable option to finance your car, leveraging our competitive rates to your advantage.

Why Finance Ezi Stands Out for Unsecured Car Financing

We make getting finance easy.


Our application process is streamlined and paperless, allowing you to apply online for financial assistance within minutes.


Whether you’re looking for an unsecured loan or a secured car loan, Finance Ezi offers low-rate fixed loans tailored to meet your needs, ensuring you get the best loan structure for your financial situation.


We provide competitive rates on finance for cars starting from $8,000, and car loan repayments benefit from rates starting from 7.24%.


With access to multiple lenders across Australia, we help you find the right car loan for you, including unsecured car loans.


Avoid the long wait days for loan approval. At Finance Ezi, our personalised customer service means we can respond within 24 hours.


For over 10 years, we have built an expansive network of business partners, offering some of the lowest rates in the market.


Our professional team supports you throughout the entire process, from application until your car loan is settled, ensuring you always have a real person to guide you.

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How to Compare Unsecured Car Loans

When looking at your options, even if they’re limited, you can still compare and pick the best-unsecured car loan for you. Keep an eye on a few key things when comparing these loans.

  • Interest Rates: Look at both the interest rates offered and whether they are fixed or variable. Your credit score, the amount you wish to borrow, and the lender’s terms can significantly impact the rate you receive. A lower interest rate means less paid in interest over the life of the loan.

  • Comparison Rates: Beyond the interest rate, consider the comparison rate, which includes the interest plus any additional fees and charges. This gives a clearer picture of the total cost of the loan.

  • Loan Term: The duration of your loan affects your monthly payments and total interest paid. Shorter terms usually offer savings on interest but come with higher monthly payments. Longer terms reduce monthly payments but increase the total interest paid. Choose based on what you can afford and your long-term financial goals.

  • Repayment Terms: Understand the flexibility of repayment terms, including the ability to make extra payments without penalties, which can reduce the total interest paid and shorten the loan term.

Find your perfect unsecured car loan with Finance Ezi. Let us guide you through rates and terms for smarter borrowing!

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How Do Unsecured Car Loans Work?

An unsecured car loan operates without using the car as collateral, making it a higher risk for lenders compared to secured loans. This type of loan, often referred to as a signature loan, relies on the borrower’s credit history and proof of ability to make repayments.

Due to the increased risk involved, unsecured car loans typically come with higher interest rates and generally shorter terms when compared to secured car loans, where the vehicle itself secures the loan.

Despite the higher costs and increased risk, approximately 7.5% of the Australian population opts for unsecured car loans, valuing the lack of collateral requirement.

How Much Could You Borrow?

Did you know you can apply for a pre-approved loan for cars at Finance Ezi? With our car loan calculator, explore unsecured car loan options and see what repayments could look like. Benefit from competitive comparison rates and interest rates, calculating your monthly fees over one to seven years. Use Finance Ezi’s loan repayment calculator today to confidently plan your finances!

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Unsecured Car Loan FAQs

What is an unsecured car loan?

An unsecured car loan is a financing option where the loan is not secured by the car or any other asset as collateral. Lenders assess eligibility based on the borrower’s creditworthiness, leading to potentially higher interest rates due to increased risk. It offers flexibility in car choice and repayment features.

What Are the Types of Unsecured Car Loans?

  • Fixed Rate Unsecured Car Loans: Interest and repayments stay constant throughout the loan term, offering predictability in budgeting but no benefit from potential rate drops.

  • Variable Rate Unsecured Car Loans: Interest rates can fluctuate during the loan term, affecting repayment amounts. This allows borrowers to potentially save during rate cuts but also poses a risk of increased repayments if rates rise.

How to get an unsecured car loan?

At Finance Ezi, getting an unsecured car loan is easy and straightforward, just like applying for a personal loan. Our dedicated team ensures a smooth process, with competitive rates and flexible options. We’re here to help you secure your dream car quickly and without hassle. Plus, for personalised guidance, talk to our specialist today.

Can Finance Ezi Help With My Car Finance Term?

You may have already paid off a part of your car loan and don’t wish to extend the term. We will give you all the considerations when considering refinancing, including keeping your car loan over the same financial terms to reduce your term charges and save you money.

At Finance EZI, we don’t just want another car finance deal; we look at your whole financial situation and assess what can be done to save money, not cost you more. However, we don’t do anything without your approval, ensuring you make the decisions based on the facts we provide. Enquire online with our easy-to-complete car finance enquiry or phone us at 1300 003 003.

What is your comparison rate?

Our car finance rate starts off at 7.24% with a comparison rate of 8.59%.

Which is better: secured or unsecured loans?

Secured car loans offer lower interest rates with collateral required; unsecured loans have higher rates without needing assets. The better option depends on your financial situation and willingness to risk collateral. For personalised advice, speak to our specialist so we can guide you based on your specific needs and financial circumstances.

What is a loan term?

A loan term is the duration over which you are expected to repay your loan. For car loans, this period typically varies from 1 to 7 years, influenced by the amount borrowed and the lender’s policies. It essentially represents the loan size, from when it’s taken out to when it’s fully paid off.

what our Clients say…

I have been a client of Finance Ezi for close to seven years and my dealings with Ryan since his appointment as Finance Manager have been excellent. His foresight to look outside the box and therefore the big picture has been a blessing. Ryan’s processing of paperwork is impeccable and in my circumstances, like most applicants, there is always something different with every application. Therefore, I have great respect for Ryan and will continue to utilise his knowledge and experience.

Peter Jones

Partnering with Finance Ezi is the direct bridge to your business’ overall financial success. With access to domestic and global funds, you can be confident that your business will receive the ultimate finance deals to optimise your customer relations and profits.

Frank Smith

We have had the easiest approval and helpful service from you. You are a credit to the company and we are extremely happy with the outcome. We are looking forward to getting the boat on the water and have booked our boat license. We would not only recommend you to our friends/family but will definitely return for future finance. Thank you so much.

Fiona Carroll


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Finance Ezi | Australian Finance Brokers