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New or used car finance? We can help you.

Buying a new or used car is one of life’s great pleasures, but it can also be very stressful and uncomfortable. At Oxcel Auto Loans, we have over 20 years of experience in helping our customers arrange new or used car finance as well as protection options including insurance and warranty.

How to finance a used car

Financing a used car can be different to a new car. First, you are often dealing with a private seller, not necessarily a dealer, which means there is additional paperwork, considerations and effort required. We have years of experience in making this process simple.

When it comes to lenders, finance providers have conditions around their used car financing terms which can often be complex. The good news is we understand this stuff like the back of our hand! The complexity often arises due to the age of the vehicle (commonly limited to 12-15 years), and the security which the lender requires to ensure they can recover their money in the situation of a loss.

When buying a used car, it is important to compare the price you are paying to references such as Carsales, Redbook Valuation Reports and other public sources. Depending on the configuration of the vehicle (such as extras), you may end up paying more to finance your used car.

Make things easy for yourself and have a chat with our team of finance specialists, or get a car finance quote today.

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Learn more about financing specific makes

We’ve provided information below on a range of major makes which can help you organising finance for your new or used car easier. Select a make to learn to more.


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Loan Calculator

Any calculation made using this repayments calculator is intended for illustrative purposes only. The calculator does not take establishment fees, stamp duty, or other government charges into account. Any calculations made should not be relied upon for the purposes of deciding whether to apply for a loan.

Some of the benefits of car finance via Oxcel Auto Loans

Anytime, Anywhere, Anyhow

We’re a real online business. Get an online quote, electronically sign documents and receive / send funds electronically; there’s no need to leave that couch!

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual.

Lifetime Support

Don’t get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we’re here for you over the life of your loan.