Can I get a car loan on a 482 visa?

Yes, you would usually be eligible for a car loan on a 482 visa but you'd need to meet some specific criteria first. You would almost definitely need to prove that the loan term you're applying for does not go beyond your visa expiration date. This would be a major risk for lenders if you could leave the country before repaying the loan. Other criteria you may need to meet is earning above a certain salary, proving you're in stable employment and having a certain period of time left on your visa after the loan ends.

Can I get a car loan on a working holiday visa?

You will normally not be able to get a loan on a working holiday visa. Some lenders specify that you only need to be a resident for tax purposes, which can include working holiday makers, but you're still likely to be rejected upon application. Working holiday visas are so short and have limits on working rights, and so these are much more of a risk for lenders.

Do I need Australian credit history to get a personal loan?

It definitely helps. But most temporary residents won't have much credit history built up in Australia. Lenders don't recognise overseas credit history, and will instead look at your income, spending and loan size. You should have at least three months' worth of bank statements too.

Can I get a car loan as a student on a subclass 500 visa?

Most major banks won't lend to anyone on a student visa, even though a subclass 500 visa grants the right to work and lasts for longer than 12 months. There may be smaller lenders that will accept an application from someone on this visa, provided you have proof of income.

Can I get a car loan on a partner or marriage visa (subclass 820/801)?

If you're on a bridging visa while your permanent partner visa is being processed, most lenders will decline you, since bridging visas often have no fixed expiry and are seen as too uncertain. Once you hold the temporary partner visa (820), you have a better chance, especially with proof of stable income and time left before any bridging period.

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