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360 Finance Car Loans

360 Finance assist customers in sourcing a loan that suits a multitude of situations, including new, used and vintage cars, as well as loans for private and business use. They work with over 30 different lenders for competitive rates and conditions. 360 finance also help to provide ‘bad credit’ car loans, suitable for customers who otherwise may not be able to take out a loan.

360 Finance car loan repayment calculator

Thinking about taking out a car loan with 360 Finance? Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how 360 Finance car loans compare with other options.

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360 Finance Car Loans rates

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About 360 Finance

360 Finance is an Australian broker, specialising in car finance. 360 Finance matches borrower needs with affordable rates from a variety of different lenders, whether you’re looking for a car loan for personal or business purposes, or a personal loan to purchase a motorbike, boat or caravan. 360 Finance operates online, and can be contacted via email or phone.

Features of a 360 Finance Car Loan

While 360 Finance can help you select a car loan from a variety of options, the Advantage Car Loan from 360 Finance is another quick and simple method to pay for a car. This secured car loan with a fixed below average interest rate can be used to finance a new or used car purchase. However, it’s important to remember that ongoing and upfront fees apply, along with penalty fees for missed repayments and for making an early exit from the loan.

Finance from an Advantage Car Loan from 360 Finance starts at $30,000, with the option available to make extra repayments and reduce your interest charges.

Customer service

  • Customer service centre (phone)
  • Online
  • Email


  • Lower than average interest rate
  • New or used car
  • Can apply online


  • Application fee charged
  • Ongoing monthly fee charged
  • Can’t apply in branch
  • Requires security

What RateCity says

The Advantage Car Loan from 360 Finance can be used for new or used car purchases. The interest rate is lower than the market average, even compared to other secured car loans. This fixed interest rate helps to keep your repayments stable and consistent for the full term of the loan, for simpler budgeting. In addition to the interest charges, you’ll need to account for the loan’s fees when preparing your budget. You can make extra repayments onto your car loan if you choose, which can help to reduce the amount of interest charged on your car loan. However, if you make enough extra repayments to pay off your car loan ahead of schedule, an early exit fee will apply.


To apply for a car loan with 360 Finance, you’ll need to contact the company with your contact details and how much you want to borrow. You’ll need to be at least 18 years old, and have your current employment details available.


There are four different ways you can get a car loan. You can go straight to a lender. You can get a finance broker to organise a car loan for you. You can get ‘dealer finance’ – which is when the car dealer organises a car loan for you. Or you can organise your own car loan through a comparison website, like RateCity.

Whichever method you choose, you will need to provide proof of identification, proof of income and proof of savings. So you may be asked for any combination of passport, driver’s licence, bank statements, payslips, tax returns and utility bills. You might also be asked to provide proof of insurance.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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