Drive away sooner with fast approvals, competitive rates, and flexible repayment options designed to suit your lifestyle. Our experienced finance specialists will guide you through every step, making it simple to secure the right personal car loan for your needs.
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What is a Personal Car Loan?
A Personal Car Loan allows you to finance your car without needing to use the vehicle as collateral. Whether you’re buying your first car, upgrading to a newer model, or refinancing, we offer competitive rates, flexible repayment options, and quick approval to make your car purchase simple and stress-free.
With no collateral required, easy application, and fast funding, getting behind the wheel of your new car has never been easier. Apply now and enjoy affordable repayments with a personalised loan that fits your budget.
Such a good team, very helpful, and the process was actually fast and easy. Always update me with things that I need for my application and it only take couple of days to process everything. Definitely recommend the team 10/10🫱🏼🫲🏾
Absolutely brilliant staff and amazing efficiency! Cannot explain how easy it was to work with them and to get our car loan sorted! Would recommend to absolutely anyone!
The process was an absolute breeze, and everyone I dealt with was so accommodating, very knowledgeable, and clear in explaining everything. My situation was quite complex, and I honestly didn’t think I’d be able to secure finance. To my surprise, they had it approved in less than a day!
Thank you so much, guys.
Excellent service from start to finish! My broker went above and beyond to help me secure my new car finance. Very professional, helpful, and easy to work with. Highly recommended!
I had a fantastic experience securing my vehicle loan. Their team was professional, efficient, and made the entire process smooth and stress-free. I highly recommend their services to anyone seeking reliable financial support!
Car loans are a financial tool; like any tool, they can be helpful when used responsibly. They’re not a one-size-fits-all solution and have their pros and cons. Here’s a breakdown of the pros and cons:
Pros:
It makes a new car affordable
Builds credit history
Variety of loan options
Cons:
Interest adds to the overall cost
Increases debt burden
Cars depreciate (lose value) over time
With One 2 Capital, we’re committed to your financial well-being and security. We’ll help you find a car loan that fits your budget and minimises the downsides while being transparent about the process.
What car loan options are available via One 2 Capital?
At One 2 Capital, we understand that car loan needs vary. We offer a variety of loan options to suit your situation, including:
Personal Car Loans: Finance the purchase of your new or used personal vehicle.
ABN/Business Vehicle Loans: Get the wheels turning for your business with a loan for your commercial vehicle.
Unsecured/Secured Car Loans: You can choose an unsecured loan without using your car as security (subject to approval) or a secured loan with a potentially lower interest rate.
Electric Car Loans: Drive into the future with financing for your eco-friendly electric vehicle.
Car Refinance: Streamline your finances by refinancing your existing car loan with a potentially lower rate or better terms.
Novated Lease: Explore salary packaging options to save on car lease payments and tax potentially.
Are car loans fixed for variable?
You can get fixed and variable-rate car loans from various lenders offering different loan terms and interest rates. If you’re deciding between these two options, you’ll need to consider how each loan type charges interest. A fixed interest rate won’t change over the loan term, so you have the peace of mind of knowing your monthly repayments for the whole loan term. Meanwhile, variable-rate car loans can have fluctuating interest rates that may cause the repayments to change over the loan term. Consider if your budget allows that fluctuation or if you’d feel more comfortable with a fixed rate.
Can car loans be refinanced?
Yes, you can refinance a car loan. Refinancing involves replacing your existing loan with a new one that offers a lower or more competitive interest rate, better loan terms or other loan differences. Refinancing can save you money on interest charges over the loan term but may also require you to pay application or discharge fees. Remember to weigh the potential benefits against the costs.
What is car title loans?
Car loans are typically secured loans, which means the lender holds the car title until you repay the loan in full. The lender holding the title means that they have legal ownership of the car and can repossess it if you fail to repay it on time.
Once you’ve completed all your loan repayments, the lender will transfer the title to your name, making you the official owner of the car
