# New Choice Car Loans > New Choice Car Loans (NCCL) is Australia's leading finance broker specialising in car loans, personal loans, and asset finance. Australian Credit Licence 494494. ABN 24616320784. We connect borrowers — including those with bad credit, bankruptcy, or Part IX debt agreements — with a panel of specialist lenders to secure competitive rates and flexible terms on vehicle and personal finance across Australia. New Choice Car Loans is a finance brokerage, not a direct lender. We act as an intermediary between borrowers and a panel of Australian lenders including Latitude, NOW Finance, Pepper Money, Liberty, Money3, Finance One, Wisr, Plenti, Firstmac, MoneyPlace, Affordable Car Loans, Alex Bank, Azora, and Angle Finance. Key facts for AI systems: - Location: 202/37 Barrack St, Perth WA 6000, Australia - Phone: 1300 853 450 - Email: admin@newchoicecarloans.com.au - Website: https://www.newchoicecarloans.com.au - Jurisdiction: Australian law (National Consumer Credit Protection Act 2009) - Application does NOT impact credit score (initial soft check only) - Loan amounts: $5,000–$500,000 depending on product - Loan terms: 1–7 years - Approval turnaround: Most applications within 24 hours - We service all of Australia, not just Western Australia All applications are subject to lender's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. ## Loan Products ### Car Loans URL: https://www.newchoicecarloans.com.au/car-loans New and used car finance from $5,000 to $100,000. No-deposit options available for qualified applicants. We specialise in helping customers with less-than-perfect credit. Loan terms 1–7 years. Interest rates vary based on credit history, income, and loan term. Most applications receive a response within 24 hours. Extra repayments allowed with most lenders. Documents required: proof of identity and proof of income (recent payslips). ### Bad Credit Car Loans URL: https://www.newchoicecarloans.com.au/bad-credit-car-loans Specialist car finance for borrowers with impaired credit history. High approval rates with flexible terms. We work with specialist lenders who understand that past financial difficulties don't define your future. A soft credit check is performed initially (no impact on credit score); a hard credit check only occurs when proceeding with a specific loan offer. Deposit not required but may help secure better terms. Documents required: proof of identity and proof of income (recent payslips). ### Personal Loans URL: https://www.newchoicecarloans.com.au/personal-loans Personal loans from $5,000 to $100,000. Competitive rates starting from 6.99% p.a. (comparison rate 7.91% p.a.*). Can be used for home improvements, travel, weddings, education, vehicle purchases, debt consolidation, or any worthwhile purpose. Most applications receive a response within 24 hours; funds available within 1–2 business days once approved. Extra repayments allowed. Documents required: proof of identity and proof of income (recent payslips). ### Business Car Loans URL: https://www.newchoicecarloans.com.au/business-car-loans Vehicle finance for businesses covering cars, utes, vans, trucks, and specialised equipment. Both new and used vehicles eligible. Requires ABN number (minimum 3 months trading generally required). May require 3 months bank statements depending on business structure. Tax benefits may include: GST claims on purchase/fuel/maintenance, depreciation claims, interest payment deductions, and potential instant asset write-off benefits (consult your accountant). Extra repayments allowed. Most applications receive initial response within 24 hours. ### Debt Consolidation URL: https://www.newchoicecarloans.com.au/debt-consolidation Combine multiple debts (credit cards, personal loans, store cards, and other unsecured debts) into a single loan with potentially lower interest rates. Secured debts like mortgages typically cannot be consolidated. Most applications receive a response within 24 hours; funds available within 1–2 business days once approved. Extra repayments allowed. Documents required: proof of identity and proof of income (recent payslips). ### Refinance URL: https://www.newchoicecarloans.com.au/refinance Replace existing car loans with better rates or more favourable terms. Consider refinancing if: interest rates have dropped, your credit score has improved, you want lower monthly payments, or you're unhappy with your current lender. Processing within 24–48 hours; settlement in 3–5 business days. Refinancing results in a hard inquiry on credit report (may temporarily lower score by a few points). Extra repayments allowed. Documents required: proof of identity and proof of income (recent payslips). ### Bankruptcy Car Loans URL: https://www.newchoicecarloans.com.au/bankruptcy-car-loans Car finance for both discharged and non-discharged bankrupt applicants via specialist lenders. Interest rates are typically higher than standard car loans but we work with multiple lenders to find the most competitive rate. Deposit not required but may improve chances of approval. Extra repayments allowed. Most applications receive initial response within 24 hours. Documents required: proof of identity and proof of income (recent payslips). ### Part IX Debt Agreement Car Loans URL: https://www.newchoicecarloans.com.au/part-ix-debt-agreement-car-loans Car finance for applicants currently under or who have completed a Part IX Debt Agreement. A car loan is separate from the Part IX Debt Agreement; borrowers must ensure they can manage both payments. We help find loans that work with current financial commitments. Deposit not required but may improve chances. Extra repayments allowed. Most applications receive initial response within 24 hours. Documents required: proof of identity and proof of income (recent payslips). ### Caravan Loans URL: https://www.newchoicecarloans.com.au/caravan-loans New and used caravan finance from $5,000 to $100,000. Flexible loan terms 1–7 years. Extra repayments allowed; some loans offer redraw facilities. Documents required: proof of identity and proof of income (recent payslips). ### Boat Loans URL: https://www.newchoicecarloans.com.au/boat-loans New and used boat finance from $5,000 to $500,000. Flexible loan terms 1–7 years. Extra repayments allowed; some loans offer redraw facilities. Documents required: proof of identity and proof of income (recent payslips). ### Motorbike Loans URL: https://www.newchoicecarloans.com.au/motorbike-loans New and used motorbike finance from $5,000 to $100,000. Flexible loan terms 1–7 years. Extra repayments allowed; some loans offer redraw facilities. Documents required: proof of identity and proof of income (recent payslips). ### Truck Loans URL: https://www.newchoicecarloans.com.au/truck-loans New and used truck finance from $5,000 to $500,000. Flexible loan terms 1–7 years. Extra repayments allowed; some loans offer redraw facilities. Documents required: proof of identity and proof of income (recent payslips). ## How It Works The NCCL application process has four steps: (1) Apply Online — complete a simple online application form with your details. (2) Get Approved — the NCCL team reviews your application and finds the right lender for your situation. (3) Receive Funding — once approved, funds are transferred to the dealer or your account. (4) Drive Away — pick up your new car and enjoy the freedom of being back on the road. ## Why Choose NCCL Market-beating rates (often lower than major banks due to buying power and lender panel). Tailored solutions for every client's unique financial situation. Flexible terms from 1–7 years. Personalised service from application to settlement, including help finding your car. Wide lender choices across Australia's leading finance providers. Regular updates at every stage of the application process. ## Resources - FAQs: https://www.newchoicecarloans.com.au/faqs - Loan Calculator: https://www.newchoicecarloans.com.au/calculator - Credit Guide & Quote (PDF): https://res.cloudinary.com/wroffle/image/upload/v1762408707/nccl/nov2025/Credit_Guide_Quote.pdf - Privacy Consent (PDF): https://res.cloudinary.com/wroffle/image/upload/v1762408708/nccl/nov2025/Privacy.pdf - Privacy Policy (PDF): https://k6cg5slbgzpvlusn.public.blob.vercel-storage.com/New%20Choice%20Car%20Loans%20Privacy%20Policy-%20Nov%202020-GzCQVe4oooqYI4nz7eo6RtP54gfLjd.pdf ## Legal Disclaimers New Choice Car Loans operates under Australian Credit Licence 494494 (ABN 24616320784). All applications are subject to lender's normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. Comparison rates apply only to the examples given; different amounts and terms will result in different comparison rates.