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Credit Concierge car loans

Credit Concierge is a broker and can help you find hundreds of vehicle loans, including

  • secured car loans
  • personal loans (or unsecured car loans)
  • caravan loans
  • boat loans
  • truck loans
  • loans for commercial equipment.

The Queensland-based broker connects Australians to more than 30 banks, including the big four, and non-bank lenders of different sizes.

Customer support is offered over the phone, online and through the post.

The broker has car loans for personal and business customers.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Credit Concierge


  • Can apply online
  • No charge to the consumer
  • Secured and unsecured car loans available


  • Variable rate loans not available
  • Cannot apply in branch

Credit Concierge Car Loans

Car Loans calculator

Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios.

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  1. This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
  2. Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
  3. Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
  4. Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
  5. The calculation rounds of the car loan repayment to the closest dollar value without decimals.
  • All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
  • Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
  • Calculator does not include the cost of fees or other extra charges.
  • Calculator does not account for changes to interest rates over time.
  • This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.

Features of a Credit Concierge car loan

Credit Concierge can help you find secured and unsecured car loans suitable for buyers looking for a new and used vehicles. This broker may not suit borrowers require face-to-face customer service.

You may be able to borrow the full value of the car you are buying and pay it off over a minimum loan term of 12 months and a maximum loan term of seven years.

Credit Concierge only finds you fixed rate loans, so it may not suit people looking for the flexibility of variable rate loans.

While there are no direct costs to use Credit Concierge as a consumer, make sure you know what fees the lender may charge you before committing to the loan.

Borrowers can choose to reduce their regular repayments by paying a one-off lump sum at the end of the loan. This is known as a ‘balloon payment’.

Credit Concierge car loans – customer service

Customers can contact Credit Concierge by phone, online enquiry, live chat, email or post. Its phone line is in operation from 8am to 6pm (AEST) on weekdays, and 9am to noon on Saturdays.

Who is eligible for a Credit Concierge car loan?

  • Must be over the age of 18.
  • Must be a permanent resident of Australia.
  • There may be other minimum requirements, depending on the lender.

How to apply for a Credit Concierge car loan?

You can get an indicative quote from Credit Concierge and apply for a car loan with them through their website. Applications may take about five minutes on the phone or 10 minutes online.

To apply online:

  1. On the Credit Concierge website, fill out the quote estimator form and click ‘Get your free quote’.
  2. Review your estimated quote and repayments.
  3. Submit an application.
  4. In most cases, you should receive approval one hours after Credit Concierge has received any required documents.

Credit Concierge car loans review

Credit Concierge provides borrowers a range of car loans with different lenders. You may want to use Credit Concierge if you like having a broker help you out and to access loan options not always available on the open market.

Credit Concierge may suit everyday borrowers, self-employed borrowers, those on a learner’s licence and bad credit borrowers.

Customers may borrow the full amount of the vehicle value, with a maximum term of seven years.

It doesn’t cost the consumer to use Credit Concierge. However, the lender you are connected with may charge several fees, including an establishment fee and monthly fees, as well as potential other fees.

The interest rate you can get at Credit Concierge may vary and will depend on the lender, the customer’s financial situation and credit history. But its rates are relatively competitive on the market, especially if you have a good credit record.

It’s a good idea to compare interest rates, fees and features from several different lenders before deciding which car loan is the best one for you.

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^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, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.