Car finance from people who also sit in M1 traffic.
We're on Queen Street, and we compare lenders for drivers right across Brisbane, from Redcliffe down to Logan.
Australian Credit Licence 509582. Lender fees may apply. Lender criteria apply.
Can you get a car loan in Brisbane from a local broker?
Yes. We broker car finance in Brisbane from Level 9, 410 Queen Street. Ipswich, Logan and the southside included. No upfront assessment fee, ACL 509582, no hard credit enquiry to start. Lender fees may apply.
Last reviewed
We do not charge an upfront assessment fee. Lender fees may apply, and we may receive commission from a lender if your loan settles.
Why Choose Simple Loans for Your Brisbane Car Loan?
Brisbane is where Simple Loans is based. Applications for the CBD, Ipswich, Logan and the southside, including ute and 4WD purchases, are handled from Level 9, 410 Queen Street. We compare panel lenders against how you earn, not a generic national form.
- Local broker at Level 9, 410 Queen Street, Brisbane QLD 4000
- Ipswich, Logan and southside included
- Ute and 4WD purchases as a use case, same comparison
- Dealer and private sale finance
- No upfront assessment fee, no hard credit enquiry to start
- DPC Broker Pty Ltd trading as Simple Loans (ABN 13 613 195 387) is the holder of Australian Credit Licence No. 509582.
Business Hours Help
Get an indicative quote during business hours. Timing depends on the lender and your documents.
Income looked at first
Roster, shift, trade and driving income compared against panel lender policy
No Upfront Fee
We do not charge an upfront assessment fee. Lender fees may apply, and we may receive commission from a lender if your loan settles.
ACL 509582
Regulated credit, brokered from Queen Street, Brisbane
Car Loan Options in Brisbane
Whether you're buying new, used, or upgrading to electric, we can compare finance options from our panel.
Electric Vehicle Loans
Finance compared for electric and hybrid vehicles
View electric vehicle loans optionsHow you earn in Brisbane
Lender choice depends on your income type more than your postcode. These pages cover how each income is assessed.
Your Complete Guide to Car Finance in Brisbane
Buying a car in Brisbane is a significant financial decision, and the finance you choose affects what the car costs you over the life of the loan. Whether you are a first time buyer, upgrading your family vehicle, or purchasing a work ute, lenders offer a range of products for different budgets and circumstances.
As a Brisbane borrower you still deal with national lender policy, not a separate city product. Each lender has different approval criteria, rate bands and fee structures. We compare those policies from our Brisbane office and look for panel lenders whose criteria may suit how you earn.
What Affects Your Car Loan Rate in Brisbane?
Several factors can affect the interest rate a lender offers. Your credit history is one of them, and past defaults or a thin credit file may mean a specialist lender and a higher rate. The age and type of vehicle, the loan amount, the term and your income can also affect pricing, and each lender weighs these differently.
Your employment status plays a role too. Lenders may see consistent full time income differently from other income, but self employed Brisbane residents, contractors and casual workers may still have options with lenders that assess other types of income. If you are a tradie, nurse, teacher, or FIFO worker in Brisbane, we compare panel lenders against how your income is paid.
Bad credit car loans in Brisbane
Brisbane applicants often come to us after a knock back from a bank. Our team works from Queen Street and handles the process by phone, email and electronic signature, so you can talk through a default or a Part 9 agreement plainly. Different lenders use different credit criteria, so a default, late payments or a Part 9 agreement does not close every door. Different lenders use different credit criteria. We can check whether options on our panel may be worth discussing, but approval, rate and loan amount depend on the lender's assessment and responsible-lending requirements.
Start with our bad credit car loans guide. If you run your own business, see bad credit self employed car loans, and for work utes see bad credit tradie car loans.
Secured vs Unsecured Car Loans
A secured car loan uses the vehicle itself as collateral for the loan. Because the lender has an asset to recover if repayments are not met, a secured loan may come with a lower rate than an unsecured one. Unsecured car loans do not use the vehicle as security, which can offer more flexibility, often at a higher rate. We can explain the trade offs of each structure for your situation.
Getting Started Is Easy
Applying for a car loan through Simple Loans takes a short form. Fill out the quote with your basic details and a broker in Brisbane will contact you during business hours with options. There is no obligation. We do not charge an upfront assessment fee. Lender fees may apply, and we may receive commission from a lender if your loan settles. Submitting this enquiry does not itself create a hard credit enquiry. If you choose to proceed with a lender, a credit check may be required. We will explain that step before a formal application is submitted. If you choose an offer, we help with the paperwork through to settlement.
Car Loan FAQs for Brisbane
Common questions about getting car finance in Brisbane, Queensland.
Do you have a Brisbane office?
Yes. We broker car finance from Level 9, 410 Queen Street, Brisbane QLD 4000. Ipswich, Logan and the southside are included in the service area.
Do you cover Ipswich, Logan and the Moorooka Magic Mile?
Yes. Ipswich, Logan and southside purchases, including from the Moorooka Magic Mile, are within the service area. Tell us where the car is and whether it is a dealer or private sale, and we compare lenders for that sale type.
Can I finance a ute or 4WD in Brisbane?
Yes, you can compare finance for a ute or 4WD for work or weekend trips. The loan is still assessed on income and the vehicle, not a separate product slug.
Is there a hard credit enquiry to start?
No. Submitting the enquiry does not itself create a hard credit enquiry. If you choose to proceed with a lender, a credit check may be required. We will explain that step before a formal application is submitted.
We Also Serve These Queensland Areas
Brisbane FIFO worker looking at a $42k Hilux
Example only, not a real customer
A FIFO worker on a two weeks on, one week off roster wants a Hilux to use during off weeks. We would look at how the roster pay and allowances are paid, ask for recent payslips and the employment contract, and check which panel lenders' policies cover FIFO income.
An illustration of what we would look at. It does not describe a real customer or predict an outcome.
Common choices
- Toyota Hilux
- Ford Ranger
- Mazda CX-5
- Toyota LandCruiser
Handled by phone and video from our Brisbane office during Queensland business hours.
Comparing more broadly? See our national guide to car loans in Australia for loan types, eligibility and the full lender panel.