# 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](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.
- [Bad Credit Car Loans](https://www.newchoicecarloans.com.au/bad-credit-car-loans): Specialist car finance for borrowers with impaired credit history. High approval rates with flexible terms.
- [Personal Loans](https://www.newchoicecarloans.com.au/personal-loans): Unsecured and secured personal loans from $5,000 to $100,000 for any worthwhile purpose including home improvements, travel, weddings, education, and debt consolidation. Rates from 6.99% p.a. (comparison rate 7.91% p.a.*).
- [Business Car Loans](https://www.newchoicecarloans.com.au/business-car-loans): Vehicle finance for businesses (ABN required, min 3 months trading). Covers cars, utes, vans, trucks, and specialised equipment. Potential tax benefits including GST claims and depreciation.
- [Debt Consolidation](https://www.newchoicecarloans.com.au/debt-consolidation): Combine multiple debts (credit cards, personal loans, store cards) into a single loan with potentially lower interest rates.
- [Refinance](https://www.newchoicecarloans.com.au/refinance): Replace existing car loans with better rates or more favourable terms. Processing within 24–48 hours, settlement in 3–5 business days.
- [Bankruptcy Car Loans](https://www.newchoicecarloans.com.au/bankruptcy-car-loans): Car finance for discharged and non-discharged bankrupt applicants via specialist lenders.
- [Part IX Debt Agreement Car Loans](https://www.newchoicecarloans.com.au/part-ix-debt-agreement-car-loans): Car finance for applicants currently under or completed a Part IX Debt Agreement.
- [Caravan Loans](https://www.newchoicecarloans.com.au/caravan-loans): New and used caravan finance from $5,000 to $100,000. Terms 1–7 years.
- [Boat Loans](https://www.newchoicecarloans.com.au/boat-loans): New and used boat finance from $5,000 to $500,000. Terms 1–7 years.
- [Motorbike Loans](https://www.newchoicecarloans.com.au/motorbike-loans): New and used motorbike finance from $5,000 to $100,000. Terms 1–7 years.
- [Truck Loans](https://www.newchoicecarloans.com.au/truck-loans): New and used truck finance from $5,000 to $500,000. Terms 1–7 years.

## Resources

- [FAQs](https://www.newchoicecarloans.com.au/faqs): Frequently asked questions across all loan products
- [Loan Calculator](https://www.newchoicecarloans.com.au/calculator): Estimate weekly repayments based on loan amount, term, and interest rate
- [Credit Guide & Quote (PDF)](https://res.cloudinary.com/wroffle/image/upload/v1762408707/nccl/nov2025/Credit_Guide_Quote.pdf): Official credit guide and privacy disclosure
- [Privacy Consent (PDF)](https://res.cloudinary.com/wroffle/image/upload/v1762408708/nccl/nov2025/Privacy.pdf): Privacy consent documentation
- [Privacy Policy (PDF)](https://k6cg5slbgzpvlusn.public.blob.vercel-storage.com/New%20Choice%20Car%20Loans%20Privacy%20Policy-%20Nov%202020-GzCQVe4oooqYI4nz7eo6RtP54gfLjd.pdf): Full privacy policy

## Application Requirements

- [Car Loans / Bad Credit / Bankruptcy / Part IX](https://www.newchoicecarloans.com.au/car-loans): Proof of identity + proof of income (recent payslips)
- [Business Car Loans](https://www.newchoicecarloans.com.au/business-car-loans): ABN number required; may require 3 months bank statements depending on business structure
- [Personal Loans / Debt Consolidation / Refinance](https://www.newchoicecarloans.com.au/personal-loans): Proof of identity + proof of income (recent payslips)

## Optional

- [Google Reviews](https://www.google.com/maps/place/New+Choice+Car+Loans/): Customer reviews and ratings on Google
- [Facebook](https://www.facebook.com/newchoicecarloans): Social media presence and community updates