Car Loans
Affordable Green Car Loans
for Eco‑Friendly Vehicles
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
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Car & Vehicle Loans
What Is a Green Car Loan and How Does It Work?
A green car loan is a car loan structured around financing an eco-friendly vehicle typically a battery electric vehicle (BEV),plug-in hybrid (PHEV), or astandard hybrid — rather than a petrol or diesel car. In practice, the application process looks similar to a standard car loan: you apply online, provide your details and vehicle information, and receive a decision. Where a green car loan can differ is in the vehicle eligibility criteria and, with some lenders, in the rate offered, since certain vehicles may attract a discounted rate. Any rate discount is never guaranteed and is always subject to individual assessment and current lender criteria.
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Car & Vehicle Loans
Which Vehicles Qualify as "Green" for Finance?
Eligibility for a green car loan generally centres on the vehicle's emissions rather than its price or brand. Vehicles that may qualify include:
Battery electric vehicles (BEVs)
Plug-in hybrid electric vehicles (PHEVs)
Fees disclosed before you accept a contract
Standard (non-plug-in) hybrid vehicles, subject to lender criteria
Some low-emission or fuel-efficient petrol vehicles, depending on the lender's threshold
Exact eligibility, including whether a used EV or hybrid qualifies, and any applicable emissions threshold is confirmed as part of your application, since criteria can vary. If you're considering a pre-owned eco-friendly vehicle, ourused car loan options may also be worth comparing.
Funds in 60 seconds
On approval, any day
of the week.
How Much Could You Save With a Green Car Loan?
Some lenders offer a rate discount on eligible green vehicles compared with their standard car loan rate, and running costs for EVs and hybrids can also be lower than a petrol equivalent over time, depending on how the vehicle is used and charged. That said, actual savings depend on the vehicle, loan amount, term, and your individual approval so while a green car loan can reduce the overall cost of financing an eco-friendly vehicle, no specific saving is guaranteed. We'd always recommend comparing your personalised quote against a standard car loan before deciding.
Green Car Loan Eligibility:
Cash Direct assesses green car loan applications on more than a credit score alone, which means a less-than-perfect credit history doesn't automatically rule you out ourbad credit car loan options may still apply to an eco-friendly vehicle purchase, subject to assessment. A no-deposit structure may also be available for eligible applicants, so you're not necessarily required to save a lump sum before switching to an electric or hybrid vehicle. If you receive Centrelink payments, ourCentrelink-friendly car loans may be relevant to your green vehicle application as well eligibility is always confirmed individually.
Car & Vehicle Loans
How to Apply for Your Green Car Loan in 5 Simple Steps:
Set your budget. Decide roughly what you're looking to spend on an electric, hybrid or low-emission vehicle.
Get pre-approved. Complete our online application so we can assess your eligibility and give you an indication of what may be available to you.
Shop with confidence. With an indication of your budget in hand, you can compare eco-friendly vehicles and negotiate with sellers.
Provide vehicle details. Once you've found the right car, share the vehicle and seller information so we can finalise your application.
Drive away. Subject to final approval, funds can be released quickly so you can complete your purchase.
Funds in 60 seconds
On approval, any day
of the week.
Car & Vehicle Loans
Estimate Your Repayments:
Before you apply, it can help to see roughly what a green car loan might cost you week to week. Try ourcar loan calculator to estimate repayments based on your loan amount, term and an indicative rate, figures are estimates only and your actual repayments will depend on your approved rate and terms.
Funds in 60 seconds
On approval, any day
of the week.
Why choose Cash Direct
Why Thousands
are choosing
Cash Direct Loans
Simple, fast and built around you. Designed to make borrowing feel easier, safer and more convenient.
Trusted by thousands of Australians
Real people. Real support. Real results.
01
Easy. 100% Online Process
With our easy online process and digital signing, there is no more messy paper clutter!
02
Fast. Online decisions and payments
Get a fast decision, sign online and eligible payments may be sent quickly with OSKO instant payment.
03
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.
What Our Customers Say
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!”
Kim
“Easy, efficient and great customer service!”
Samantha
“Because Cash Direct really helps those in need. Very accommodating with all the inquiries. Fast and reliable transactions guaranteed.”
Tameika
“Cash Direct are easy to deal with, from the initial application process and throughout the term of the loan.”
Lilian
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
- 01Select a budget for VehicleSet your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
- 02Get Pre-Approval from Cash DirectGet 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.
- 03Shop Around. Haggle and find your best deal.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.
- 04Provide Vehicle and Seller InformationAfter selecting your dream car and finalising a good deal, provide vehicle and seller information to Cash Direct to finalise your Loan.
- 05Get your new carWe fund the loan, often directly to the seller. You drive off!
*Car loans without all the usual hassle and wait time.
We Help
Why thousands of people choose cashdirect
We Help by saying yes, when others won’t, or just take too long.
Personalised
Service
Our friendly team is here to guide you through the process, answer your questions and help get your application moving quickly.
“We Help” is our simple mantra
Express Cash for
CD Members
Sign up as a Cash Direct member with your first loan, and it's a breeze to borrow again when you need it.
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Affordable
Repayments
Choose the amount, the length of the loan, and how often you repay — weekly, fortnightly or monthly.
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Loans
Cash Direct is a 100% online lender. Manage this loan and your next from your CD Online Account.
No early repayment or exit fees
A licensed Australian lender
Cash Direct Pty Ltd · ACN 129 259 605 · Australian Credit Licence 393862
Responsible lending — every application is assessed against your income and expenses.
Car & Vehicle Loans We Offer at cashdirect
Providing a wide variety of flexible loan options for different types of vehicles.
FAQ
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Questions
Find quick answers to common questions about
Cash Direct small cash loans in Australia.
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Quick Process
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Here to Help
Support when
you need it
- Filling out our quick online application with your personnel details, some ID and required loan details such as amount and the car or vehicle you intend to purchase
- Connection with your 90 day bank account to assess your budget and ability to repay the loan
- A short call with our specialist team to confirm details and explain next steps