Car Finance for Real Australian Incomes
Simple Loans compares car finance for people whose income is not a neat full-time salary: apprentices, nurses, teachers, pensioners, veterans and FIFO. Free assessment, ACL 509582, no credit enquiry to start.
ACL 509582 · Free assessment, soft credit check only.







Before you apply anywhere: one unnecessary lender enquiry can cost you thousands.
Read the guideThe simple way to finance
One free assessment, then we do the running around across our 50+ lender panel.
Compare 50+ lenders
Banks, non-banks and specialist lenders, ranked for your situation in one place.
Fast, free assessment
Two minutes online, a soft check only, and most customers get a same-day decision.
Settled end to end
We handle the paperwork through to settlement, so you can get on the road.
Our lender partners
Nationwide
Car, truck and business finance, anywhere in Australia
From Brisbane to Perth, our lender panel covers metro and regional Australia. Everything is done online, so where you live never limits your options.

We work for you, not the banks
One form. 50+ lenders compared in minutes
Instead of applying to lenders one by one, bruising your credit file each time, we run a single soft check and match you to the sharpest rate across the panel.
Who we help
Real Australians, real approvals
Tradies, nurses, self-employed owners and growing families. Every photo here is a customer we settled finance for. We look at your full situation, not just a credit score, and match you to a lender that fits.




"Ethan was a pleasure to work with and was so helpful and understanding of our needs and what we were after. Everything was just easy to do."
Whatever your situation
Finance for every situation
Straightforward or complex, we have a lender for you.
- Most popularBuying a carNew or used, dealer or private sale.
- We can helpHad credit issues?Defaults, bad credit or bankruptcy.
- ABN friendlySelf-employedABN for 6+ months? We know the lenders.
- Save moneyRefinancingPaying too much? Compare your options.
- Green ratesGoing electricGreen rates for EV and hybrid buyers.
- Business lendingBusiness assetsEquipment, commercial vehicles, fit-outs.
- Heavy vehiclesTruck financePrime movers, rigids and trailers.
- Tools of tradeEquipment financeMachinery, excavators and trade tools.
- Work readyUte financeWork utes and 4WDs, accessories included.
- Weekends awayCaravans & motorhomesCaravans, campers and motorhomes.
- Lifestyle financeBoats & jetskisBoats, jetskis and marine gear.
- Two wheelsMotorbike loansRoad, adventure and cruiser bikes.
Verified reviews
Rated 5.0 by Australian customers
Independently verified reviews from real Australians we've helped finance.
Verified Feefo reviews reflect the brokers' individual service across the various companies they have worked for, in addition to Simple Loans.
Swipe for more reviews
Free assessment
Tell us what you need, we'll do the running around
One short form, then a specialist compares our 50+ lender panel for your situation. Rates from 6.49% p.a. No credit impact to get started.

