Compare before you commit
Car loan eligibility criteria change often — checking first helps you compare rates with confidence
Financing a car in Australia usually starts with a quick eligibility check. Lenders look at your income, credit history and existing commitments before offering you a rate — checking first means fewer surprises later.
Is checking my eligibility free?
Yes. A basic eligibility check costs nothing and doesn't obligate you to proceed.
Who can apply?
Most residents with a steady income and valid ID can check their eligibility.
Does checking affect my credit score?
A basic eligibility check typically doesn't affect your credit score.
How long does it take?
Just a few minutes online.
📌 What you'll see on this page
🚗 What a car loan is
✅ Who typically qualifies
📊 How rates are compared
📄 What you'll need
✅ Who typically qualifies
📊 How rates are compared
📄 What you'll need
Who typically qualifies
- ✓ Residents with a steady income
- ✓ Applicants with valid photo ID
- ✓ People within typical debt-to-income limits
- ✓ Anyone with the required documents ready
How the process works
- ✓ Compare offers from multiple lenders
- ✓ Check your eligibility online first
- ✓ Review the terms before signing anything
- ✓ Applies to new and used cars
| Summary | Detail |
|---|---|
| Cost | Free to check |
| Who | Australian residents with steady income |
| How | Compare offers online |
| Vehicle type | New or used cars |
⚠️ Good to know: Comparing offers is free and a basic check typically doesn't affect your credit score. Never pay an upfront fee just to "unlock" a rate.
Next, see the full step-by-step to compare your options and apply with confidence.
SEE MY OPTIONSYou'll stay on the same site.