Get a personalised Adelaide car finance rate in just minutes

Adelaide customers looking to buy a car have many financing options available with our wide range of 30+ lenders. No matter if you’re looking to buy a new or second hand car, Driva can help you assess the options available to you so you can be confident in securing the best loan possible. 

Some features of car loans in Adelaide offered by Driva include:

• Low-interest rates
• Flexible repayment terms and car loan term lengths
• Personalised rates in minutes
• Access to a wide range of lenders
• Friendly and knowledgeable team members

Interest rates vary between each lender, and they represent how much additional money you will be required to pay the lender for borrowing finance to purchase your new vehicle. When you’re getting a loan through Driva, you can be sure that it will be at a fixed rate. Having a fixed rate loan means that your monthly repayments will not change over the duration of your car loan, making it straightforward to budget and plan for the future. 

Driva's smart car finance platform can show you personalised rates in just minutes, and you can compare between different lenders to be confident that you’re getting the best rate possible.

Looking at the comparison rate of a loan is a great way to work out the true cost of the loan. It includes most of the fees that lenders charge (excluding stamp duty), so is more accurate than looking at other figures like the Annual Percentage Rate (APR), which doesn’t include fees and charges.

The comparison rate is the most important metric to consider when assessing the range of car loan quotes provided by Driva, regardless of whether you’re looking for a secured loan, personal loan or commercial loan.

Yes - Driva can help you secure finance for a number of different vehicles. From trucks to motorbikes, if it’s got wheels we can probably help! We have a diverse lender panel of over 30 lenders that are able to tailor finance packages to suit a large range of automotive needs.

Yes - you don’t need to have a specific vehicle in mind to get your loan pre-approved. For secured car loans (normally 2008 cars or newer), your interest rate will be impacted by the age of the vehicle. If you’re wanting to get pre-approved for your car, we’ll make an estimate based on the approximate age and price of the car you’re likely to buy. 

If you’re considering an older vehicle (2007 or older), your best option will probably be an unsecured loan. This means that the funds can be in your bank account before you even get to the dealership to make the car buying process even faster. 

Remember that you can change vehicle details and/or the amount of the loan later in the process, and you are not committed to anything by getting pre-approval.

If you need a hand finding your perfect vehicle be sure to check out one of our handy guides to get you started including The Best Australian Small SUVs In 2022 or The Top 10 Best 4WD Cars In 2022.

To view your personalised rates from a range of our lenders and access your Driva dashboard, you don’t need to provide any documentation at all.

To submit a loan application for assessment, the only documents you need access to are your drivers licence and your two most recent payslips. In some circumstances we may require additional documentation, but the Driva platform will automatically let you know if this is necessary, and why.

Every lender has different lending criteria, so your eligibility for a loan will depend on a number of factors in addition to your credit score, like the vehicle you’re looking to buy and your employment status. Your car finance options may be more limited if you have a bad credit score or poor credit history, and for some lenders your credit score will even impact how they set your interest rate.

Use Driva’s smart car finance platform to get personalised quotes and find your lowest rate car loan (this won’t impact your credit rating or record an enquiry on your credit file).

For every lender on our panel, you’ll need to organise comprehensive car insurance in order for your loan to settle. For the convenience of our customers, we’ve partnered with CGU Insurance to offer comprehensive vehicle insurance to our customers.

Fees are a part of every loan, so it’s important to factor them in when choosing which loan to go with. These might include fees for extra repayments, early exit or other ongoing fees. All fees and charges of lenders are already taken into account in Driva's personalised quotes, so the monthly payment figure you see is inclusive of all expenses and exactly what you will pay every month. This will help you decide on the right car loan for you based on your personal financial circumstances.

For customers in South Australia that are looking to buy a new car, Driva has a number of different finance packages available. Some of these include: 

• Buying it outright. This is the most straightforward way of purchasing a car, and you’ll save money in the long term. However, it may not be a financially viable option for many drivers.
• Secured car loan. With a secured loan, you’ll use your new car as collateral against the loan, which means you’ll likely be able to access a lower interest rate. Secured car loans are most suitable for new vehicles.
• Unsecured car loan. By comparison, an unsecured loan means that your loan isn’t secured against any asset, so you’ll probably end up paying a higher interest rate. Unsecured loans are normally used for older and used cars. Personal loans are one popular type of unsecured loan.
• Hire purchase. If you’re looking to buy a car for a business purpose, a hire purchase can be a great way to spread out the total cost of the car over a number of years. You’ll need to pay a deposit and then make regular repayments to pay off the rest of the loan.

Driva can facilitate car finance for a wide range of budget and personal circumstances, even for those with bad credit ratings, with loan amounts from $2,000.

Learn more: 6 of the Best Ways to Finance a Car

If you’ve got any finance questions, from how loan repayments work to how pre-approval works, feel free to get in touch with our friendly team. Give us a call on 1300 755 494 or email us at contact@driva.com.au.

Absolutely! If you’re looking for a vehicle to use for predominately business purposes, Driva has a range of commercial loan options available. These include hire purchase arrangements, chattel mortgages, novated leases and finance leases. If you’re a sole trader you’ll also be able to access consumer loans like traditional secured, unsecured and personal loans.

A secured loan is normally used for newer cars (ie 2013 or newer), and will require you to use your new car (or another asset) as collateral against the loan. This gives your lender the security that, in the event you can’t meet your loan repayments, they can repossess the car to recover their funds. Because you’re giving the lender a large amount of security, you’ll be able to access a lower interest rate.

By comparison, an unsecured loan won’t require you to use your car as collateral against the loan, but this does mean you’ll need to pay a higher interest rate (as your lender isn’t getting that same security). Unsecured loans are normally used for older and used cars (ie 2012 or older).

We sure do! You can use our car loan calculator to get an idea of how much you could borrow with a Driva car loan. Just enter a few details like the age and price of the vehicle you’re looking to buy, as well as how much of a deposit you’re wanting to put down, and we’ll tell you what that might cost you in regular repayments.

From Driva’s panel of more than 30 lenders, the lender with the lowest available interest rate is Macquarie with APRs starting at 3.69%. To be eligible for this rate, you’d need to meet a number of strict criteria.

If you're still tossing up finance, check out our guide on 'Is It Worth Getting A Car Loan?'