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Car Loan

360 Financial will guide you through the whole personal car loan process with their wealth of knowledge and specialist information on loans, buying guides and insurance.

Car Loans With a Difference

*Access to over 30 different lenders for competitive rates and conditions
*Promise to beat any written quote
*Quick and easy approval process
*Low establishment and ongoing fees
*Additional services such as buying guide, insurance and car finder searches

Benefits of a Personal Car loan

Securing a car loan for a personal vehicle purchase means you are in control of the budget and conditions to make sure you obtain a loan that suits your personal circumstances. 360 Financial works with you to offer you a range of loans to take the hassle out of searching for a personal car loan. There are some great benefits to securing a personal car loan with 360 Financial:

  • Flexible car loan terms from 12-84 months
  • Car Loan residuals from 10-60%
  • Fixed payment schedule to suit your circumstances
  • Lower monthly repayments
  • Low loan fees
  • Able to buy a new car
  • Access to financial specialist help and information
  • Offer a range of loan types to suit your budget and situation

Personal Car Loan terms explained


A secured loan is fixed against another asset you already own such as your house, shares or another vehicle. It is often the car you are purchasing for the current loan that is used to secure the loan. This means there is less risk for the broker and you will enjoy greater flexibility in the rate and conditions with your personal car loan.


An unsecured loan is not fixed against an asset, including the vehicle for purchase itself. The car loan is determined by your personal financial circumstances. You can choose to use cash or savings to obtain a better deal for the loan too. Also, because the loan is not tied to an asset you are free to sell the vehicle for good or to upgrade without impacting on the initial loan.

Length of loan:

This refers to the total time repayments will need to be made against the loan. The timeframe for your repayments will be based on any deposits, cost of vehicle, interest rate and final balloon payment.

Balloon/Final Payment:

A balloon payment is the final payment made in the schedule of your loan. It is usually higher than the weekly or monthly repayments and results in the ownership of the car being transferred to you completely. The amount of this payment affects the continual repayments as the larger it is the smaller the monthly repayments will be. But you must keep in mind the need to produce the final balloon payment to gain full ownership of the car.