Secure Fast Used Car Loans 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 … Used Car Loans. No Deposit.
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 Used Car Loan, 365 days a year.
We provide loans for all sorts of cars bought privately, online or through a dealer. We’ll even fund other types of vehicles from motorbikes, caravans to boats and even scooters!
When you strike a deal to purchase that perfect used car or any vehicle, at the perfect price – you need a funder in your corner who can quickly wrap up the deal. Cash Direct provides a simple Pre-Approval Process so you can shop confidently for your used car. Then when you strike the deal, we can help you make the payment with confidence and speed.
If you are at least 18 years old, earn income of $500 per week, have a phone and bank account – you can get a Cash Direct loan for your next Used Car purchase, with no deposit required.
Simple Steps for your Used 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 Used Car Loans
Apply for a Used Car Loan
Our Cash Direct Used Car loans are perfect for when you are ready to start shopping around for your next car. We loan from as little as $2,000, up to $25,000 for a used 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 shop for your car with confidence. Haggle a little – get the best car for your budget, Pre-Approved amount. You can buy online, privately or from a dealer. The key is to shop widely and avoid any middleman costs, so you can get the best deal.
Once you have agreed the deal, we’ll need a couple of things to finalise the loan:
- Details of the seller, as we will typically pay the seller directly
- The car registration and a photo
- A link to the cars advertising feature if bought online, or details from the dealer
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 Used Car Loan?
Our Centrelink Friendly Used Car Loan is designed to be affordable car loans for our customers on lower income or receiving all or most of their income from Centrelink Benefits. We can typically offer used car loans from $2,000 to $10,000 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.
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 allCash Direct can transfer approved loan funds to your bank account within 60 seconds using OSKO, available 24/7 all year round.
Yes, approval is still possible. Cash Direct looks at your overall financial profile, including income, budgeting ability, and responsible financial behaviour—not just your credit score.
You can borrow between $2,000 and $25,000. For Centrelink Car Loans, typical amounts range from $2,000 to $10,000.
No early repayment fees apply. You can repay your loan anytime to reduce interest and fees. Early payout figures are available through your Cash Direct account.
Cash Direct finances a wide range of vehicles including cars, motorbikes, caravans, boats, scooters, and RVs whether purchased from a dealer, online, or privately.
Yes, Cash Direct provides Centrelink-friendly car loans and considers applicants who receive 100% of their income from Centrelink. They are not associated with Services Australia.
No, a deposit is not required for a car or vehicle loan from Cash Direct.
The application is fully online. You’ll submit your details, verify ID, connect your bank account for a 90-day review, and speak briefly with a loan specialist. Cash Direct usually pays the seller directly.
For loans up to $2,000, there’s a 20% establishment fee and a 4% monthly fee, with terms of 3–12 months. Loans between $2,001 and $5,000 incur a $400 establishment fee and up to 48% annual interest, with 3–24 month terms.
They offer diverse loan types, such as Car Loans, Used Car Loans, Small Car Loans, Car Repair Loans, Car Secured Loans, Centrelink Car Loans, Pensioner Car Loans, Disability Car Loans, Single Parent Car Loans, Visa Car Loans, and Green Car Loans.
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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