Car Loans Starting From $7,500

We believe that everyone deserves a fair go

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Ready for a Fresh Start? Get Your Car Loan with Alpha Finance!

Drive Away Sooner with Australia’s Best Car Finance Rates

Tired of relying on public transport? Ready to hit the road? Alpha Finance believes everyone deserves a chance to own a car, even if you’ve had past credit challenges. We offer quick and easy car loans with no upfront payment and fast approval, so you can get behind the wheel sooner. We understand that everyone makes mistakes, and if you’re working towards rebuilding your credit, we’re here to help.

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Our Simple 4-Step Car Loan Process:

Previous credit concerns? Alpha Finance believes that everyone deserves a fair go. We all have mistakes from our past but as long as you are on the road to good credit, we are willing to work with you to get you into a car.

Say goodbye to waiting around and hello to the freedom. Don’t let the bus dictate your schedule – take control and start your adventure today!

Apply Online

Complete our quick and easy online car loan application.

Verify Your Identity

We’ll send a secure SMS link to your mobile for instant identity verification. Keep your phone handy!

Connect Your Bank Account

We’ll send another secure link to quickly and easily connect your bank details.

Fast Decision (Within 1 Hour!)

We’ll contact you within one hour with a conditional approval decision.

Loan Calculator

Loan Amount

Years to Pay

Interest Rate

19.95%
19.95
28

*These calculations are provided only as general self-help planning tools. Results depend on other factors and are inclusive of the application fee, PPSR search, and monthly admin fee.

Change Payment Display:

Weekly Payment

Total Interest:
Total Amount Payable:
Total Years:
5 Years
Interest Rate:
19.95%
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Car Loans for Everyone: Rebuilding Your Credit with Alpha Finance​

We understand that financial setbacks can happen to anyone. At Alpha Finance, we believe everyone deserves access to reliable transportation. Even if you have a less-than-perfect credit history, we may be able to help you get a car loan. Here’s how to increase your chances of approval:

  • Demonstrate a Stable Income: Show us you have a regular and consistent income. Centrelink benefits are considered and can contribute to your income assessment.
  • Be Upfront and Honest: Provide accurate and truthful information in your application. Transparency is key.
  • Manage Your Finances Responsibly: Demonstrate responsible financial habits by avoiding excessive gambling or unnecessary spending.

Bad Credit Car Loans

We know bad things happen to good people, so we assess your current position.
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Car Loans On A Pension

We will assess your current position based on your income (Your pension can form part or all of this).
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Car Loans On Centrelink Payments

We will assess your current position based on your income (Centrelink can form part or all of this).
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Single Parent Car Loans

Our single parent car loans are tailored to accommodate diverse financial backgrounds.
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Frequently Asked Questions:

Thinking about financing a car? We’ve compiled the most frequently asked questions about car loans to help you make an informed decision. Alpha Finance offers a range of car loan options, including bad credit car loans, car loans for pensioners, and more.

Applications and Approvals

What is a car loan?
A car loan is a secured loan that allows you to borrow money to purchase a vehicle. Because the loan is secured against the car itself, interest rates are typically lower than unsecured loans.
A secured loan means the lender has the right to take possession of the asset (in this case, the car) if you fail to repay the loan. This reduces the risk for the lender, often resulting in more favorable loan terms.
A car loan can be a great way to finance a vehicle, especially if you don’t have the cash upfront. Consider your budget, the cost of the car, and the loan terms before making a decision.
Financing a car can be a smart choice, allowing you to spread the cost over time. The “best” financing option depends on your individual circumstances. Factors to consider include interest rates, loan terms, and your credit history. We offer various options, including bad credit car loans and car loans for pensioners.
Yes! Alpha Finance specializes in helping people with all credit histories, including those with poor credit, get car loans. We offer bad credit car loans and consider various income sources, including Centrelink payments. We also offer car loans for those on Centrelink payments and single parents.
Applying for a car loan with Alpha Finance is easy! Simply visit our website and complete our online application form.
We offer car loans up to $50,000, depending on your individual circumstances and affordability.

Fees and Repayments

What are the fees or expenses?
Car loans typically involve some upfront fees, interest, and a loan application process. We are transparent about all fees associated with our car loans. For detailed information, please refer to our Fees Statement.
Yes, you can. There is a penalty for early repayment, please refer to our Fees Statement.
Your weekly repayment amount will depend on the loan amount, interest rate, and loan term. We can provide you with a personalized quote after you apply
Contact us immediately if you anticipate difficulty making a payment. We may be able to work with you to find a solution.
We understand that financial difficulties can arise. Please contact us as soon as possible so we can discuss your options.
Your responsibilities include making your loan repayments on time and adhering to the terms and conditions of your loan agreement.

Call Us

1300 463 466

Send Us An Email

customercare@alphafinance.com.au