Melbourne car loans
Finance your next car, ute, or fleet upgrade with confidence.
Aussie Dream Loans compares Melbourne vehicle lenders to secure sharp rates, streamlined approvals, and structures that suit your cash flow. From novated leases to low-doc commercial cars, we do the heavy lifting for you.
New & used vehicles
Competitive rates whether you’re buying from a dealer or privately, with pre-approvals so you can negotiate confidently.
Business & fleet
Chattel mortgages, hire purchase, and novated leases tailored to self-employed and SME cash flow requirements.
Vehicle finance solutions tailored to you
Whether you need a personal car, family SUV, tradie ute, or a fleet of vans, we assemble lending options that suit your timing, deposit, and residual strategy.
Pre-approval confidence
Secure finance before you shop so you can negotiate like a cash buyer and avoid dealership pressure finance.
Feature-rich structures
Choose between fixed or variable, balloon payments, and seasonal repayment schedules to align with your income cycle.
Paperwork handled
We liaise with the vendor and lender, check invoices, and coordinate settlement so you can focus on collecting your keys.
Simple 4-step car loan journey
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Step 1
Speedy discovery call
Share vehicle type, budget, and timing so we can position the right lenders.
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Step 2
Tailored lender shortlist
We compare rate cards and approval requirements for your profile and provide structured recommendations.
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Step 3
Application & docs
We prepare the file, liaise with the vendor, and keep you updated daily until approval.
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Step 4
Settlement & handover
Funds are released, documents finalised, and you collect your vehicle.
24 hrs
Typical approval turnaround
Client highlight
“Aussie Dream Loans organised finance for our courier fleet expansion with a balloon structure that matched our cash flow. Seamless from start to finish.”
Jess – Footscray logistics director
Car finance FAQs
Quick answers for Melbourne car buyers and business owners.
Can I finance a used vehicle? +
Yes. Many lenders support used cars bought through private sellers or dealerships. Vehicle age and odometer readings influence the loan term and rate, which we outline in your shortlist.
Do you help with novated leases? +
Absolutely. We coordinate with your employer and salary packaging provider, ensuring the lease structure and budget align with your vehicle choice and tax position.
What documents do I need? +
Typically ID, income verification, an invoice or quote, and proof of insurance. Business borrowers may need ABN, BAS, or financial statements. We provide a checklist and secure upload link.
Ready to upgrade your wheels?
Tell us about the vehicle you’re chasing and we’ll return with lender options, estimated repayments, and next steps.
Phone
0410 974 393Service area
Melbourne & Greater Victoria
Personal and commercial vehicle finance