Car Loans — Private Sale
Finance Made Simple
Browse private sale cars with finance built in. Check weekly repayments instantly and apply online in 60 seconds.
How It Works
Getting car finance for a private sale is easy with Caree. Here’s how it works in three simple steps.
Find a Car
Browse private sale cars on Caree or bring your own deal. Every listing shows estimated weekly repayments upfront.
Check Repayments
Use our calculator to see what your weekly payments would look like. Adjust the loan term to suit your budget.
Apply Online
Submit your application in 60 seconds. Our brokers compare across their lender panel and come back with the options available to you.
Cars Available with Finance
CarCar Loan Repayment Calculator
See what your weekly repayments could look like. Adjust the amount and term to match your budget.
Repayment Calculator
You could own this for just $119/week
Get pre-approved — commitment freeEstimated repayments of $119/week are indicative only, calculated on a 8.99% p.a. indicative rate over 5 years assuming 100% finance with no balloon payment. These estimates do not include fees and charges. Actual repayments, rates, fees, and approved amounts are subject to individual circumstances and lender approval. Deposit, trade-in, and balloon options may reduce repayments. This information is general in nature and does not take into account your personal financial situation, needs or objectives. Repayment estimates are indicative only, based on the example shown, and subject to lender assessment and responsible lending obligations. Actual rates, fees and approvals vary. WARNING: The comparison rate shown is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit assistance is provided by Braid Finance Pty Ltd (ABN 80 638 771 007), Australian Credit Licence #536690.
Representative example
- Loan amount
- $30,000
- Loan term
- 5 years
- Interest rate (APR)
- 8.99% p.a.
- Comparison rate
- 9.54% p.a.
WARNING: The comparison rate shown is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This information is general in nature and does not take into account your personal financial situation, needs or objectives. Credit assistance is provided by Braid Finance Pty Ltd (ABN 80 638 771 007), Australian Credit Licence #536690.
Ready to Apply for Car Finance?
Pre-qualify in 60 seconds with no impact on your credit score. Our brokers walk you through finance options from across their lender panel.
Apply for Car FinanceCar Finance FAQ
Common questions about private sale car finance in Australia.
Can I get finance for a private sale car?
Yes. Caree specialises in private sale car finance. Unlike dealership finance, our process is designed specifically for person-to-person transactions. You can check your repayments, pre-qualify, and get a full approval all through the platform.
What interest rates can I expect on a car loan?
Interest rates depend on your credit profile, income, the age of the vehicle, and the lender. Our brokers walk you through the options available for your situation — there's no one-size-fits-all answer.
What do I need to apply for car finance?
You will need proof of identity (drivers licence or passport), proof of income (two recent payslips or tax returns if self-employed), proof of address, and details about the vehicle you want to purchase. Australian citizens, permanent residents, and eligible visa holders can apply.
How long does car loan approval take?
Pre-qualification takes 60 seconds. A full application can be assessed same-day in many cases. Once approved, settlement typically takes 1 to 3 business days so funds can be ready when you need them.
Is buying a car privately better than through a dealer?
Private sales often offer better prices because there is no dealer margin built in. The main challenge has been arranging finance, which is exactly what Caree solves. Sellers get serious buyers, and buyers get finance options without the dealership markup.