1800 Approved Car Loans

1800 Approved is an Australian finance brokering company that began operations in 2008, created by one of Queensland’s most successful prestige vehicle wholesalers. It now offers its services to residents of Queensland, Victoria, New South Wales, South Australia, West Australia and Tasmania and deals with over 30 lenders. If you aren’t sure where to find your next car loan, 1800 Approved can help you secure the best loan for you.

1800 Approved Car Loans options

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Product	Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Finder Score 9.4 Excellent 1800 Approved Car Loans Variable1 - 7 Years $5,000 - $250,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 4.99%	Comp. Rate (p.a.) 6.97%	Application Fee $495	Monthly Fee $0	Monthly Repayment $614.16	ContinueMore info Compare product selection Compare	loading

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Finder Score for car loans

To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.

Read the full Finder Score methodology

Types of services available from 1800 Approved

No matter what kind of car you’re hoping to buy, you can source your loan through 1800 Approved. The options that are available include:

• Car loan. If you’re after a new car from a dealership, a used car from an auction or a dealership or a private seller, you can consider a car loan. The car you buy will work as a guarantee for the loan so will need to meet certain requirements. For example if you’re looking for a used car it will need to be under a certain age.
• Novated lease. A novated lease is essentially an agreement between you, your employer and the loan provider. Your employer makes payments by deducting them from your pre-tax income, allowing you to save money.
• Personal loan. If you want to buy a car that is older than five years, you can consider a personal loan. Personal loans don’t place the same restrictions as car loans in terms of what you can do with the money, and since these loans are unsecured, you’ll have more flexibility with the car you can purchase. 1800 Approved can help you find personal loans with terms up to seven years.

Features and benefits of a 1800 Approved car loan

If you’re thinking about getting a car loan through 1800 Approved, here’s what you can expect:

• Wide range of lenders. 1800 Approved's panel of lenders includes ANZ, CommBank, Latitude Financial Services, Macquarie, Westpac, Liberty Financial, Suncorp and Yamaha Finance.
• No fees. You don't have to pay any fees to use the services of 1800 Approved. The money comes from the lenders in the form of commission.
• One-stop-shop. Both car insurance and warranty options are available from 1800 Approved.
• Minimum and maximum loan amount. You can consider borrowing as little as $5,000 through 1800 Approved, but remember that not all loan providers offer loans for this amount. The maximum you can borrow depends on individual lenders, your ability to repay, and the car you wish to buy.
• Online loan calculator. You can use the 1800 Approved loan calculator which gives you a clear indication of what your repayments might look like depending on factors like loan amount, loan term and interest. You can find out how much you will have to pay fortnightly and monthly, and you can also factor in balloon payments.

What other products does 1800 Approved offer?

You can get more than car loans, car insurance, and car warranty through 1800 Approved. Its other offerings include:

• Auto loans. Other than car loans, 1800 Approved can also assist you in finding suitable bike loans, boat loans, jet ski loans, caravan loans and truck loans.
• Business loans. You can get a business loan to start a new business, expand your existing business, renovate or buy inventory. Through 1800 Approved, you can get an unsecured business loan of up to $250,000.
• Equipment loans. 1800 Approved can help you find finance for just about any kind of equipment you need for your business, which can include forklifts, cranes, diggers, medical equipment, manufacturing equipment, mining equipment and earthmoving equipment.
• Insurance and warranty. 1800 Approved also provides insurance and warranty solutions for bikes, boats, jet skis, trucks and other equipment.

How to apply for a car loan with 1800 Approved

To apply, you can fill out your details using the broker form above. You’ll need to provide the following details so your situation can be considered:

• Income. PAYG employed, self-employed or own your own business, or you don’t have a formal income.
• Citizenship status. List whether you are an Australian citizen.
• Credit history. List the state of your credit i.e. whether you have any defaults on your file.

When you fill out the form on the page above, a broker from 1800 Approved will get in contact with you for the next stage of the application process.

Compare loans from the brokers below

Whilst we don't compare loans from this broker, compare other loans from the table below.

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Product	Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Promoted Finder Score 9 Excellent Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 9 Excellent	Interest Rate (p.a.) 5.9% to 18%	Comp. Rate (p.a.) 6.33% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $619.53	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteMore info Compare product selection Compare	loading
Finder Score 7.6 Great Credit Concierge Car Loan - Prime (Credit Score 800+) Fixed1 - 7 Years $10,000 - $300,000	Finder Score 7.6 Great	Interest Rate (p.a.) 6.29% to 8.29%	Comp. Rate (p.a.) 7.41% to 9.41%	Application Fee $553	Monthly Fee $10	Monthly Repayment $637.97	ContinueMore info Compare product selection Compare	loading
Finder Score 8.6 Great Driva Car Loan Fixed or Variable1 - 7 Years $2,001 - $300,000	Finder Score 8.6 Great	Interest Rate (p.a.) 6.57% to 36%	Comp. Rate (p.a.) 6.78% to 36%	Application Fee $0 - $500	Monthly Fee $0	Monthly Repayment $613.62	ContinueMore info Compare product selection Compare	loading
Finder Score Not yet rated AutoCarLoans Fixed or Variable3 - 7 Years $5,000 -	Finder Score Not yet rated	Interest Rate (p.a.) 1% to 6%	Comp. Rate (p.a.) 1% to 6%	Application Fee $0 - $500	Monthly Fee $0	Monthly Repayment $578.27	ContinueMore info Compare product selection Compare	loading

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How we picked these

Finder Score for car loans

To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.

Read the full Finder Score methodology

Written by

Elizabeth Barry

Journalist

Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

Elizabeth's expertise

Elizabeth has written 208 Finder guides across topics including:

• Banking
• Personal finance
• Investing