Personal Car Loan


A Personal Car Loan is ideal for those purchasing a vehicle for personal use who want to own their car outright at the end of the loan term.

A Personal Car Loan enables you to buy the car you’re looking for now, using your new car as security for the loan. You’ll take ownership at the time of purchase and once your loan is fully repaid, security will be lifted and you will have clear title over the car.

Birchgrove Finance’s panel of lenders offer personal car loans, with a range of options:

  • Loan terms ranging from 12 to 84 months (1 to 7 years)
  • A final balloon (lump sum) repayment can be added to the end of the loan, enabling monthly repayments to be reduced
  • Fixed interest rates giving you peace of mind that your monthly repayments won’t change
  • Option to pay an initial deposit by cash or trade-in to reduce your borrow amount and repayments
  • Ability to include registration, on-road costs and insurances to your loan 

To get started, submit an online quote now and one of our Business Managers will be in touch, or call us on 1300 522 355.