Get a Fast Car Secured Loan Today
Car and Vehicle Loans From $2,000 to $25,000.
We could help you buy your dream car in Australia.
✅ Fast Approval Process | ✅ All Vehicle Types | ✅ Centrelink Friendly
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Faster … Car Secured Loan.
Cash Direct is a pioneer in fast, paperless loans. In fact, on approval, funds are transferred into your bank account in 60 seconds, any day of the week.
We now use this fast loan technology to help you with a faster personal loan secured by your car, 365 days a year.
By securing a personal loan with your car, it allows us to loan you a larger amount, at a lower cost, over an extended loan term.
This is often for a number of major expenses that may come up, where a small loan is just not enough:
- Large car repair Moving house, rental bond
- Wedding or major event
- Larger holiday or travel need
- Larger medical, dental, vet bill
- School fees
If you are at least 18 years old, earn income of $500 per week, have a phone and bank account and own a car – you can get a Cash Direct car secured loan for a major expense or event in your life.
Simple Steps for your Car Secured Loan:
1. Set your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
2. Get Pre-Approval from Cash Direct. Share your simple personal details, budget information and intended Car or Vehicle Purchase.
3. Shop Around. Haggle and find your best deal.
4. Provide Vehicle and Seller Information to Cash Direct to finalise your Loan.
5. We fund the loan, often directly to the seller. You drive off!
Our Car Secured Loans
Apply for a Car Secured Loan.
Our Cash Direct Used Car secured loans are perfect for when you have to tackle a larger expense or life event and don’t have the funds. We loan from as little as $2,000, up to $10,000 for a personal loan, secured by your car. Start with a Pre-Approval so you know how much you can borrow, with loan repayments aligned with your budget. Our Specialist team can help you understand options on the term and payment schedule to meet your budget.
With a Cash Direct Loan Pre-Approval, you can start planning your required spend as soon as possible. Haggle a little – get the best deal, within your Pre-Approved amount.
Once we have all this wrapped up, we’ll fund the required balance for your used car purchase, and activate your new loan.
What is a Centrelink Secured Car Loan?
Our Centrelink Secured Car Loans are designed to be affordable personal loans for larger amounts of up to $5,000, for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can typically offer secured car loans from $2,000 to $5000 based on your income level, and repaid over 1-3 years. You will need to show that you have validated and regular Centrelink income in your nominated bank account, and will require owning a car that is used as loan security.
To learn more about our Centrelink Loans, click here
All Set? Get Started With Your Application
Apply NowWhy Thousands are choosing Cash Direct Loans
Easy. 100% Online Process
With our easy online process and digital signing, there is no more messy paper clutter!
Fast. OSKO payments in 60 Seconds
Get a fast decision, sign online and we can get the funds into your account in 60 Seconds with an OSKO instant payment.
Membership. Get your own Cash Direct member account.
Once you are a Cash Direct member with good payment history, you can be eligible for our Express Cash Direct loan approval process. You'll always have a back stop in your time of need.
Recent Car Loan Reviews
Our car loans have helped thousands of people get their dream car
“Applying for a loan is very easy, no rushing to bank for statements etc. Staff are fantastic, friendly and solve any issue quickly. I love the fast track option when you are a good customer. Cannot fault!”
“Easy, efficient and great customer service!”
“Because Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.”
“Cash Direct are easy to deal with, from the initial application process and throughout the term of the loan.”
Secure the funds you need with deserved service.
Car loans without all the usual hassle and wait time.
Securing a pre-approved CashDirect Loan empowers you, providing the knowledge of your specific borrowing capacity even before you engage with a car seller. Furthermore, it provides a speedy transaction experience and alleviates concerns about car financing, ensuring a smoother, hassle-free car purchasing journey
01
Set your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
02
Get Pre-Approval from Cash Direct. Share your simple personal details, budget information and intended Car or Vehicle Purchase. It’s a practical and smart step in the vehicle purchasing process.
03
With a pre-approved Vehicle Loan from Cash Direct you can start your car hunting journey with ease. Find and lock in on the best deal for your dream car.
04
After selecting your dream car and finalising a good deal, provide vehicle and seller information to Cash Direct to finalise your Loan.
05
We fund the loan, often directly to the seller. You drive off!
Frequently Asked Questions
View allOnce your loan is approved, Cash Direct can transfer the funds instantly via OSKO payment solutions. They aim to get the cash into your bank account in 60 seconds, any day of the week, 24 hours a day.
Yes, it is possible to get a car secured personal loan even with bad credit. Cash Direct will take a broader view of your situation, considering your current or recent loan history, your income level and ability to manage a responsible budget, and the absence of poor habits that impact your budget, such as gambling.
For Small Loans ($2,000 or less), there is a 20% establishment fee of the amount borrowed and a 4% monthly fee of the amount borrowed, with terms up to 3-12 months. For Medium Loans ($2,001 and $5,000), the maximum interest rate is 48% with a $400 establishment fee, and terms can be 3-24 months.
Getting pre-approval is a fairly quick process. It involves filling out Cash Direct's quick online application with your personal details, some ID, and required loan details (amount and intended vehicle). It also requires connection to your 90-day bank account to assess your budget, and a short call with their specialist team to confirm details.
Cash Direct offers a wide variety of flexible loan options, including Centrelink Car Loans, Visa Friendly Car Loans, Car Repair Loans, and Green Car Loans. These loans can be used to finance all vehicle types, whether bought privately, online, or through a dealer.
Yes, Cash Direct offers Centrelink Secured Car Loans designed for customers on lower income or receiving all or most of their income from Centrelink Benefits. They will assess your situation even if 100% of your income is sourced from Centrelink. Cash Direct is not affiliated with, or endorsed by, Services Australia.
You can get a car or vehicle loan amount starting from $2,000 up to $25,000. The specific amount is determined by Cash Direct's assessment of your income, credit score, and other factors to ensure the loan is suitable and affordable for you. For Centrelink Secured Car Loans, amounts typically range from $2,000 to $5,000.
Yes, you can repay your loan at any time without being charged additional fees. Repaying early will also help to reduce your overall interest and fee cost. You can log into your Cash Direct account anytime to see an early payout figure.
Securing a personal loan with your car allows Cash Direct to loan you a larger amount, at a lower cost, over an extended loan term. This is because the security of the car reduces the risk to the lender. It can help with a number of major expenses such as large car repairs, moving house, wedding or major events, larger holidays, or significant medical, dental, or vet bills.
Car & Vehicle Loans We Offer at cashdirect
Providing a wide variety of flexible loan options for different types of vehicles.
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For our Small Loans of $2,000 or less, an APR (Annual Percentage Rate) doesn’t apply. These are fee-based only, and so they don’t have an APR. The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed.
For example, a loan of $1,000 repaid over 4 months equates to a total payable of $1,360. This is comprised of $1,000
principal (the amount borrowed), $200 establishment fee, and a total of $160 in monthly fees.
For our Medium Loans between $2,001 and $5,000. The base interest rate may vary depending on the loan product. The maximum rate we use is 48% and an Establishment Fee of $400.
Terms for our Small Loans are up to 3-12 months, and for our Medium loans, it is 3-24 months. With each, you can
repay your loan any time without being charged additional fees, and it will reduce your interest and fee cost overall.
Cash Direct Pty Ltd (ACN: 129 259 605; Australian Credit Licence 393862) is a specialist in providing cash loans to its customers when they need it
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