Personal Car & Vehicle Loans

We finance a range of vehicles.

Why choose Metro to finance a new car?

Whether you're looking to purchase a new car or a used vehicle, we have tailored solutions to meet your specific needs. Discover the freedom of the open road with Metro’s secured car loans.

At Metro, we understand that the best car loans are supported by personalised service. Our dedicated team of experts takes the time to work with your broker to understand your unique financial situation, preferences, and goals. We know that every customer is different, and that's why we go the extra mile to ensure that the car loan option we recommend is perfectly tailored to your needs.

Fast

With Metro, you can expect a fast and streamlined loan application process, ensuring that you get the funds you need as quickly as possible.

Trusted

Our expertise in secured personal car loans makes us the go-to choice for brokers and their clients who are looking to finance a new car.

Value

We offer competitive fixed interest rates, ensuring that you get the best possible financing terms for your secured personal car loan.

Results

With flexible loan terms and loan values available up to $250,000, you can secure the funding necessary to buy your dream car.

Metro works with brokers.

Speak to your broker or click here to be put in touch with one of our trusted brokers.

Car loan features

Borrow up to $250,000
Flexible loan term
Deposit and balloon options
Flexible repayments
Competitive finance rates

Vehicles we can finance

We finance a range of vehicles. Speak to your broker or we can put you in touch with one of our accredited brokers and they will guide you through the process.

Looking to go green with your vehicle? Our EV loans specifically designed to support the purchase of electric vehicles, helping you make a positive impact on the environment while enjoying the many benefits of owning an electric car.

Eligibility criteria

Age of Vehicle Maximum age of vehicle is 15 years at end of term
Acceptable Licence Types Learner, P1, P2 and Full licence holders
Acceptable Residency Status: Australian Citizens and Permanent Residents
Minimum Equifax Score 500
Minimum Age of Borrower 18 Years
Non-property backed applicants accepted

How to get started

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Get in touch with your broker

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Alternatively, reach out to one of our own trusted brokers

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Your broker will handle the rest

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Start financing your dream car!

Testimonials

Don’t just take our word for it. See what our satisfied customers and accredited introducers have to say about their experiences working with Metro.

Metro are competitive and consistent which makes them a great asset finance option. They take a common sense approach, are quick to respond to queries, applications and settlements and want to work with brokers to make deals happen. They will also give fair reasoning and feedback if a deal doesn't fit, meaning no time is wasted. Great team to work with.

Sean Lester, Podium CP

Metro are by far the best lender I have dealt with in my 40 year career. From application to settlements the whole team are amazing. Customer care team back us as Brokers up with very quick payouts and other information as required. 10 out of 10 from my team at Leasecorp

David Heenan, LeaseCorp

Metro Finance is one of the top asset finance lenders in the country. As a broker, we want predictability and consistency from our lenders. It means we can deliver a great service to our clients, because we can manage their expectations around turnaround times. Metro is best-in-class at this. As they have grown, they have managed to maintain this consistency, which is exceptional.

Alex Moody, Moody Kiddell & Partners

When it comes to providing high value to customers and brokers, look no further. Metros rates are extremely competitive, their approvals are quick, their systems have set an industry benchmark, and their settlements are the best by far. I recommend them to my customers not only because they are all good people, but their overall product and service is consistent, and of the highest quality.

Sean Fowler, EquipFin

The team at Metro Finance are the best out there. So great to deal with a lender that has open clear communication, competitive rates and products. Turnaround times for approvals and settlement are quick which ensures clients are always happy with efficiency. Great overall products, people and policies.

Athba Albazargan, Auto Car Loans

Exceptional service, great products and time efficient processes/systems. In my opinion, Metro’s credit and settlement teams are the best in the industry but also support us with fantastic relationship managers. Best funder to work with professionally and my finance option preference for our lending needs. Changing the way finance in the broker market, Metro work with us as broker partners rather than just the “introducer” only to snub us post settlement like the other lenders do.

Saskia Olsen, Blink Finance Pty Ltd

FAQs

What fees are associated with a car loan?

The specific fees and their amounts may vary depending on the car loan product. It’s important to review the terms and conditions of the car finance solution carefully to understand the fees associated with it. You’ll need to speak to your broker to get a detailed understanding of fees that apply.

Some common fees include but are not limited to:

Application fees: These are charges for processing your car loan application.
Origination fees: This fee covers the administrative costs of setting up the car loan.
Documentation fees: These fees are associated with preparing and processing the car loan documents.
Title and registration fees: These fees cover the cost of transferring the vehicle’s title and registering it in your name.
Late payment fees: If you fail to make your loan payments on time, you may be subject to late payment fees.

Prepayment penalties: Some car loans may have penalties if you choose to pay off the loan early.

Can I use the loan to purchase both new and used vehicles?

Yes, our vehicle finance solutions can be used to purchase both new and used vehicles.

Whether you’re looking to buy a brand-new car or a pre-owned vehicle, we offer auto financing options to suit your needs.

What security is required for the loan?

The asset financed is usually just required to secure the loan.

What if my loan will be used predominantly for business purposes?

If your loan will be used predominantly for business purposes, we offer financing options tailored to meet your needs. You can choose to finance your loan through our Commercial or Novated products.

Our Commercial loans are the best car loans for businesses, providing flexible terms and features to support your commercial vehicle finance requirements. Our Novated car loans allow employees to finance their vehicles through salary packaging arrangements, making it a convenient option for individuals using their vehicles for work purposes.

Commercial Finance

Competitive business loans for vehicles and equipment

Personal Finance

Flexible loan terms and competitive finance rates.

Novated Lease

Salary packaged through an employer or salary packager.

Broker Portal

Efficient and easy to use, catering to all borrowing types.

If you’re ready to find the best car loan for you, we’re here to help.

We can put you in touch with one of our accredited brokers or you can speak to your own broker directly.