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Car Finance.

Get on the Road Sooner with Flexible Payment Options.

Unlock Competitive Car Loan Rates in Melbourne with LoanBrix

Helping drivers across Melbourne; from dealerships in Dandenong and Moorabbin to private buyers in Frankston.

Welcome to LoanBrix, your trusted local car finance experts in Melbourne. We believe getting a car loan should be a stress-free, straightforward and exciting experience for everyone. Since our office is located in Burwood, we are here to answer any questions you may have in real time. Come and visit us or give us a call and we’ll be happy to assist you.

At LoanBrix, we understand the city’s unique financial landscape. We have access to a wide range of lenders, including major banks like Westpac, NAB, and ANZ, so instead of you having to contact dozens of lenders, we bring the market to you. In one simple application, our expert team can quickly find deals from multiple banks and specialist lenders across Australia. We negotiate on your behalf, cutting through the fine print to find a competitive rate and a loan structure that fits your budget and needs perfectly.

Start your journey today with a free, no-obligation quote.

Our Car Loan Services

We provide tailored finance for every type of vehicle and situation.

New Car Loans
Drive away in a brand-new car from a Melbourne dealership with a competitive finance rate. We’ll help you structure a loan that suits your cash flow.

Used Car Loans
Buying a used car from a dealer or a private seller? We offer flexible finance options for vehicles of all ages, helping you find a reliable set of wheels for your commute.

Pre-Approval: Your Car Buying Power
Get pre-approved for your car loan before you shop. Know exactly what you can spend and negotiate with car dealers from a position of strength. It’s fast, free, and doesn’t impact your credit score.

Dealer & Private Sale Finance
Already found the perfect car? We can help you finance a purchase from any licensed dealer in Australia or through a private sale.

Bad Credit Car Loans
Past credit issues shouldn’t stop you from getting reliable transport. Our specialist lenders look at your current situation, not just your past history.

Why Choose LoanBrix for Your Melbourne Car Loan?

Finding a great car loan in Melbourne shouldn’t be a drive through heavy traffic. We make it simple, fast, and our dedicated team will communicate with you at each step of the process.

  • We Speak Your Language: As Melburnians ourselves, we understand the local market, from navigating dealerships in Dandenong to finding the right car for your weekend trips down the Great Ocean Road.

  • Access Dozens of Lenders Instantly: From major banks to specialist lenders, we compare a wide panel to find a deal you won’t easily find on your own.

  • Save Time & Money: No wasting time trawling through comparison sites. Our experts negotiate on your behalf to secure a low-rate car loan that fits your budget.

  • Finance for All Situations: Whether you’re a first-time buyer, self-employed, or have a less-than-perfect credit history, we can find solutions for you.

Ready to Find Your Ride? Get Your Free Quote Today!

Stop dreaming and start driving. Contact LoanBrix, Melbourne’s car finance experts, and let us help you secure the keys to your next ride.

📍 Serving Melbourne & Surrounds: Whether you’re in the CBD, Southbank, Patterson Lakes, Brighton, St Kilda, or anywhere in Australia, LoanBrix is here to help.

Frequently asked questions

How long does car loan approval take in Melbourne?

Car loan approval in Melbourne can be very fast. The actual time can range from a few hours to a couple of days, depending on the lender and your individual circumstances. Pre-approval is also often available, so that you can shop with confidence before your loan is officially approved.

Can I get a car loan for a private sale in Victoria?

Yes, absolutely. Many lenders in Victoria offer car loans specifically for private sales, not just purchases from dealerships.

The process is slightly different from a dealer purchase, as the onus is on you to ensure the sale is legitimate. Here’s what you need to know:

  • Lender Policies: Major providers like explicitly state that their loans are available for both dealer and private sales . This gives you the flexibility to negotiate directly with a car owner.

  • Critical Consumer Protection: Before you hand over any money, it is crucial that you make the contract of sale conditional upon finance approval . This means you are not legally obligated to buy the car if your loan falls through.

  • Finalising the Loan: Once you and the seller have agreed on a price, you will need to provide the car’s details to your lender. They will then finalise the loan, and the funds will be transferred to you (or directly to the seller), allowing you to complete the private sale .

What is the difference between a secured and unsecured car loan?

The main difference lies in whether you need to use an asset as security (collateral) for the loan. Here’s a comparison to help you understand:

Feature Secured Car Loan Unsecured Car Loan
Collateral The car you purchase is used as security for the loan . No collateral is required. It’s a personal loan used to buy a car .
Interest Rate Generally lower because the lender’s risk is lower (they can repossess the car) . Generally higher to offset the greater risk for the lender .
Approval Criteria Can be easier to qualify for, and you may be able to borrow a higher amount . Stricter eligibility; typically requires a good to excellent credit score and stable income .
Risk If you default on payments, the lender can repossess your car . If you default, the lender cannot repossess your car. However, they can take legal action against you and severely damage your credit score .
Ideal For Borrowers who want lower rates and are comfortable using the car as security. This is the most common type of car loan . Borrowers with excellent credit who want more flexibility and don’t want the car used as collateral .

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54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

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