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Car Loans

Get Visa‑Friendly
Car Loans in Australia Approval

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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Car & Vehicle Loans

Faster … Visa Friendly Car Loan. 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 Car or Vehicle 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 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 car or vehicle. 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 Car or Vehicle purchase, with no deposit required.

Funds in 60 seconds

On approval, any day
of the week.

Car & Vehicle Loans

Visa Friendly Car Loans

Apply for a Used Car Loan.

Cash Direct is a specialist in Visa Loans. We help thousands of new migrants and temporary residents, such as new working migrants, international students or those on family visas.

We will need to ensure you have a valid visa, at least 20 hours per week employment, and are maintaining a good budget that can afford the new loan repayments. So long as your Visa is allowing you to work for at least 12 months, we can structure a visa car loan that suits your needs.

We offer Visa qualifying car loans if you are employed and have one of the following Visas:

  • A Skills Based Working Visa - a 482 Visa. This visa allows skilled workers to work in Australia for an approved employer

  • A Working Holiday Visa like a 417 Visa or 462 Visa. These visas are designed for younger people of 18 to 35 who want to holiday and work in Australia

  • A Temporary Graduate Visa - a 485 Visa. This visa is for international students who have recently graduated from an Australian education institution, and this visa allows them to live and work in Australia on a temporary basis post graduation

  • Skilled Independent Worker or nominated worker visa – a 190 Visa and 189 Visa. These visas are for workers with qualifications and skills that are in high demand in Australia

  • Employee Nomination and Regional Sponsored Workers Visa – a 186 Visa and 187 Visa. These visas allow skilled workers to work in Australia permanently with an approved employer in regional and non regional areas respectively

  • People working here on a Partner Visa – a 820 Visa and 801 Visa. For those in a relationship with an Australian citizen, permanent resident or eligible New Zealand citizen; allowing them to live and work in Australia

  • International Student Visa – a 500 Visa. Where you are studying at an Australian educational institution and allowed to work part time (up to 24 hours per week)

  • Essentially any other Australia Visas that provide an extended stay in Australia, with rights to work at least 24 hours per week

Our Cash Direct Visa 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 new or used car. Id you have higher earnings, we can explore larger car loan options.

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. If you’d like to estimate repayments for a Car Loan try our Car Loan Calculator.

Funds in 60 seconds

On approval, any day
of the week.

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.

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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

A man leaping up a rising set of steps past coins
  1. 01Select a budget for VehicleSet your purchase budget. Link this with your regular budget, and your needs and benefits of the Car or Vehicle.
  2. 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.
  3. 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.
  4. 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.
  5. 05Get your new carWe fund the loan, often directly to the seller. You drive off!
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*Car loans without all the usual hassle and wait time.

Car & Vehicle Loans We Offer at cashdirect

Providing a wide variety of flexible loan options for different types of vehicles.

Other Car Loans

Visa Friendly Car Loans

Centrelink Car Loans

Car Repair Loans

Green Car loans

Other Vehicle Loan

FAQ

Frequently Asked
Questions

Find quick answers to common questions about
Cash Direct small cash loans in Australia.

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hassle-free

Here to Help

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you need it

View all FAQs

Yes, Cash Direct specializes in Visa Loans and can offer car loans for those who are not yet Permanent Residents but have a valid temporary resident and working visa with at least 12 months remaining and rights to work at least 24 hours per week. They help new migrants, temporary residents, international students, and those on family visas.
Yes, Cash Direct provides Centrelink Friendly Car loans and Centrelink Secured Car Loans. They can assist customers on lower income or receiving all or most of their income from Centrelink benefits, requiring validated and regular Centrelink income in your nominated bank account. Cash Direct is not affiliated with, or endorsed by, Services Australia.
No, Cash Direct offers car and vehicle loans with no deposit required.
Yes, Cash Direct does not charge early exit fees. You can repay your loan at any time, which will reduce your overall interest and fee cost. You can log into your Cash Direct account to see an early payout figure.
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 of 1 to 12 months. For Medium Loans (between $2,001 and $5,000), there is a $400 establishment fee and a maximum interest rate of 48%, with terms of up to 24 months.
Once your loan is approved, Cash Direct can transfer the funds into your bank account in 60 seconds. This uses OSKO instant payment, available any day of the week, 365 days a year.
You can get a loan amount from $2,000 up to $25,000 for a new or used car. For Centrelink Secured Car Loans, amounts are typically between $2,000 to $5,000. Higher earnings may allow for larger car loan options.
The process is 100% online with digital signing, eliminating paper clutter. It involves a quick online application with personal details, ID, and loan amount, connecting your 90-day bank account for budget assessment, and a short call with their specialist team. Cash Direct typically funds the loan directly to the seller.
You can get a loan amount from $2,000 up to $25,000 for a new or used car. For Centrelink Secured Car Loans, amounts are typically between $2,000 to $5,000. Higher earnings may allow for larger car loan options.
Cash Direct offers a simple Pre-Approval Process. You provide personal details, budget information, and intended vehicle purchase details. This allows you to shop confidently knowing your borrowing capacity and can help you negotiate a better deal. The pre-approval process is quick and involves an online application, bank account connection, and a short call.

All Set? Get Started With Your Application

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