Quick Car Loans

Need a car loan fast? Metro Finance is your go-to partner for fast car loans with quick and easy finance approvals.

Why choose Metro?

Unlock flexible and affordable car financing for your specific needs to get behind the wheel as soon as possible.

As a leading Australian non-bank lender, Metro Finance can get you where you need to be with finance fast. As a Metro customer, you will also enjoy: 

  • Award-winning service from our Australia-based team of real people
  • Competitive rates and tailored finance solutions
  • No monthly fees
  • Fast finance approval turnaround times

Visit our personal car loan page to learn more about the vehicle finance options available with Metro.  

Get a car loan in 3 easy steps

01 /

Contact us

Get in touch with your broker to discuss your car finance needs. Alternatively, have a chat with one of Metro’s trusted brokers, who will be happy to assist.

02 /

Apply for a loan

Your broker will help you choose the loan that’s right for you and guide you through the application process, helping to prepare the necessary documentation for assessment.

03 /

Get your car

That’s it! With your Metro loan approved you’re ready to hit the road in your new car. 

Metro’s quick car loans

At Metro, we understand that there’s no one-size-fits-all approach when it comes to finance, which is why we offer individualised, tailored solutions as unique as you. 

  • Borrow up to $250,000
  • Choose from weekly, fortnightly, or monthly repayments
  • 12-84-month loan terms
  • Balloon options at the end of the loan term
  • Competitive finance rates

Interested in salary sacrifice for a new vehicle? Find out more about novated leasing with Metro on our dedicated page. 

Vehicles we can finance

Metro can finance a wide range of vehicles to suit your needs, including new and used vehicles that can be purchased from a dealership, private seller or grey import provider. We also offer novated leasing for employees wanting to salary sacrifice their vehicle.  

Some of the popular vehicle types we finance include:

  • SUVs
  • Utes and pick-ups
  • Hatchbacks
  • Sedans
  • People movers
  • Light commercial vehicles, such as vans
  • Electric and hybrid vehicles, which may benefit from additional discounts

To learn more about the types of vehicles we finance get in touch with one of our trusted brokers.

The best features of a Metro Finance car loan

We value giving our lenders reliable, efficient, and tailored solutions from our team of experts and brokers.

Since 2011, we’ve been working with our trusted broker network to deliver reliable and competitive vehicle and equipment loans to hard-working Aussies.

fast

Fast

Our team is comprised of real people based in Australia, meaning we provide reliable, friendly and award-winning service to our customers, fast.

trusted

Trusted

Metro has been supporting Australians with their finance needs for over 15 years, providing over $10 billion in loans to over 120,000 customers.

value

Value

We offer competitive finance rates and personalised terms to ensure you get the best possible finance to suit your vehicle and lifestyle needs.

result

Value

Our results speak for themselves. Get fast loan approval for up to $250,000 with loan terms up to 84 months, putting you behind the wheel of your dream car in no time.

To find out more about EV loans at Metro click here.

Compare lender options with a broker

For any financial decision, it’s always a good idea to do your homework and compare the options available to you. Speaking with a broker is a great way to get started, as they will be able to assess your specific needs and recommend a suitable lender, as well as getting your loan application underway as soon as you’re ready.

Your broker will be able to advise you on a loan based on information like your employment status, salary, credit score and the type of vehicle you’d like to buy, ensuring that the finance offer you receive from a lender fits in with your lifestyle. 

Remember, brokers like the ones part of Metro’s trusted network do not cost you anything – they are paid for by the lender once a suitable loan agreement has been reached and you’re behind the wheel of your new car.  

To get started on your loan application, or to find out more about financing options at Metro, start a conversation with one of our trusted brokers

Eligibility criteria

As with any financial product, there are certain criteria that applicants must meet to successfully apply for a loan with Metro. Some of the common things we look at when assessing loan applications include:

  • The maximum age of vehicle at the end of the term must not be more than 15 years old
  • Accepted drivers licence types include Learner, P1, P2, and full licences
  • You must be an Australian citizen or permanent resident of Australia
  • You must have a minimum Equifax score of 500
  • You must be over 18 years old

Testimonials

Don’t just take our word for it. Hear from one of our thousands of happy customers about their experience working with Metro.

Frequently asked questions

Are there any other fees associated with getting a fast car loan?

We always recommend doing your homework before agreeing to any financial product and understanding what fees, if any, you might incur during the loan term. While every Metro product is tailored to the individual, some of the more common fees you may encounter include:

  • Origination fee – which you may be charged by the lender to process and evaluate new applications.
  • Establishment fee – which you may incur to cover the administrative costs of setting up a loan.
  • Early repayment fee – you may incur this fee if you pay your loan off earlier than agreed to as well as any interest that would have been accrued in the full term of the loan.
  • Account keeping fee – this may be charged by a lender to manage the day-to-day administration of your loan throughout its term period.

Normally in the case of a car loan the vehicle itself is enough to secure the loan, but it’s always best to talk to your broker to confirm this.

Absolutely! Metro also offers fast, reliable car finance solutions for businesses. 

To find out about more, head to our commercial car loans page.

As we’ve mentioned, we pride ourselves on our fast loan approvals, so you can typically expect your loan application with Metro to take between 1-2 days to be assessed. 

Of course, occasionally an issue may arise that could delay an application assessment, at which time the applicant’s managing broker would be able to assist with any additional requirements for the application process.

Applying for any financial product like a loan can affect your credit score, however with proper management of a loan and making repayments on time it can actually boost your credit score in the long run.

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.

Ready to make big things happen? We're here to help.

Our award-winning team can put you in touch with one of our accredited Metro brokers who can guide you through the loan application process.