Positive Lending Solutions car financing

Last updated:  

Get on the road in no time with a car loan from Positive Lending Solutions

Positive Lending Solutions has over 35 years of experience when it comes to helping people finance their new or used cars. It compares 30 of Australia’s top banks and lenders to get the best rate for you, and with its easy-to-use quote system – which can be used online or over the phone – it’s easier than ever to make your car dreams a reality.

It’s important to note that the quote you receive is obligation-free, so if it’s not what you’re after, you can go elsewhere! However, with 90% of applicants being accepted within 24 hours, you might as well see if you’re eligible.

From 4.49% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NamePositive Lending Solutions Car Financing
Interest Rate (p.a.)From 4.49% (variable)
Comparison Rate (p.a.)5.67%
Interest Rate TypeVariable

Things to consider about finding a car loan through Positive Lending Solutions

Rates start at a competitive 4.49% p.a. However, the rate you receive will depend on your previous credit history, the length of the loan, how much you want to borrow and the bank you decide to go with. It will also depend on what kind of car you choose, your assets and liabilities.

Your interest rate will be lower if you borrow less than $18,000 and if you have a deposit. If you also have a shorter loan term, this will help lower the interest rate as well. This is because the long-term economic future is hard to predict, so lenders charge a higher rate. Your broker with Positive Lending Solutions will help you sort out the car loan terms that suit you and your situation, and will ensure you get the best car loan rate possible.

Features of Positive Lending Solutions

  • Low rates. Rates start from a competitive 4.49% p.a.
  • Your very own finance broker. A personal finance broker will work with you and help get the best loan for you.
  • Acceptance. With its motto being “banks say no, we say yes”, you’re more likely to be accepted through Positive Lending Solutions.
  • Loan terms. You’re able to get a loan from 1 year to 7 years.
  • A variety of lenders. With 30 banks and lenders at its disposal, Positive Lending Solutions is able to get the best deal for you and your car.
  • Tailored loans to suit your needs. Positive Lending Solutions is able to find you a loan that meets your needs. If you want to make additional repayments, it will find a loan that’ll help you do that.
  • Online quote system. With a “Quick Quote” system available online, you’re able to get a quote in 24 hours. All you have to do is fill in your name, address, email, phone and postcode, which is perfect for people who are shopping around.
  • Experience. With 35 years of experience when it comes to car finance, the people at Positive Lending Solutions know what they’re doing and use this experience to help you and your needs.
  • Self-employed? Don’t worry about it. Positive Lending Solutions can still help you get behind the wheel of your dream car with its loans.

Fees and charges

  • Additional fees and charges for setting up the loan. The maximum fee for this is $1,250. As there is a broker helping you set up your loan and managing the conversation between the banks and yourself, there are fees for this.
  • Fees for paying back the loan early. This fee is included in the loan repayments, as well as the additional fees and charges.
  • Interest rate charges over the life of the loan. With the loan life extending for up to 84, interest rates are bound to fluctuate. Therefore, interest rate fees are added to the loan.

How to apply for a car loan with Positive Lending Solutions

Complete the application process by clicking on “Go to Site” on the page above. Make sure you meet the eligibility criteria before applying:

  • Be at least 18 years old
  • Have a regular income or wage
  • Be able to afford the loan repayments. If you’re unable to meet the loan repayments, the loan will not be granted to you
  • Be a permanent resident of Australia

The documents you need are:

  • Your driver's licence
  • Details of your income and employment. This usually includes 3 months of payslips
  • Information regarding your assets and liabilities. If you have credit card debt, you should bring 3 months of statements

The Positive Lending Solutions car loan offers a 90% acceptance rate within 24 hours. However, you should compare other car loans before deciding if this one is right for you.

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site