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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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
1800 Approved Car Loans Variable1 - 7 Years $5,000 - $250,000	Interest Rate (p.a.) 4.69%		Application Fee $495	Monthly Fee $0	Monthly Repayment $611.4	More Info Compare	You'll receive a fixed rate of 4.69% p. a. Get access to a range of lenders to finance a new or used car.

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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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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Credit Concierge Car Loan - Prime (Credit Score 800+) Fixed1 - 7 Years $10,000 - $300,000	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	More Info Compare	You'll receive a fixed rate of 6.29% p.a. with a comparison rate of 7.41% p.a. Must have a high credit score and excellent previous repayment history to qualify. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.
Driva Car Loan Fixed3 - 7 Years $1,000 - $250,000	Interest Rate (p.a.) 5.95% to 25.99%	Comp. Rate (p.a.) 7.98% to 30.9%	Application Fee $295	Monthly Fee $10	Monthly Repayment $626.95	More Info Compare	You'll receive a fixed rate from 5.95% p.a. Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
AutoCarLoans Fixed1 - 7 Years $15,000 - $500,000	Interest Rate (p.a.) 4.8%	Comp. Rate (p.a.) 5.69%	Application Fee $381.80	Monthly Fee $5	Monthly Repayment $614.03	More Info Compare	You'll receive a fixed rate from 4.8% p.a. Get access to a range of lenders to finance a new vehicle or a car up to 2 years old. Loans start at $15,000
Freedom Finance Car Loan Fixed1 - 5 Years $35,000 -	Interest Rate (p.a.) 5.1%	Comp. Rate (p.a.) 5.94%	Application Fee $380	Monthly Fee $0	Monthly Repayment $611.72	More Info Compare	If you meet all the requirements you could get access to a range of lenders to finance a new or used car up to 4 years.

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Written by

Elizabeth Barry

Lead Editor

Elizabeth Barry was the lead editor for Finder. She has over 10 years' experience writing about a range of topics with a focus on personal finance. You’ll find her writing and commentary in a range of publications and media including Seven News, the ABC, MSN, the Irish Times and Singapore Business Review. See full bio

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Elizabeth has written 239 Finder guides across topics including:

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