Personal car loans

A new car is one of the most important purchases you’ll ever make. Let’s make it happen for you on simple and flexible terms.

Our personal car loans provide many options, so you’re the one in control.

Fixed interest rate

Fixed interest rate

Your interest rate is fixed for the duration of your car loan, so there’s never any surprises in your repayments.

Choice of car loan terms

Choice of car loan terms

From one to seven years.

Flexible repayment frequency

Flexible repayment frequency

Pay weekly, fortnightly or monthly.

Balloon payment option

Balloon payment option

You choose a balloon payment for lower monthly repayments^ with a lump sum at the end of your car loan.

^Lower monthly repayments compared to a similar term with equivalent balloon final payment. Total interest charges will be higher if a balloon final payment is selected.
A customer self service online portal

A customer self service online portal

A handy online portal for you to access information and manage your car loan.

How to apply for a personal car loan

Choose your car from a participating Power Alliance Finance dealer

Visit your chosen Power Alliance Finance dealer and pick the car you want from their range of makes and models.

Choose the car loan option suited to you

Choose between a personal or business car loan. You can select your repayment frequency, the term of your loan, your deposit amount, or a balloon payment.

Start your application

Talk to your Power Alliance Finance dealer and get the application process underway!

What documents do I need to apply?

This simple checklist tells you what documents to bring to the dealership.

Top asked questions

Do I need a deposit?

Power Alliance Finance doesn’t have any minimum or maximum deposit requirements, but the amount borrowed must be at least $5,000. Sometimes, a deposit may be required for credit reasons.

Who can I contact for a quote to finance my vehicle?

Power Alliance Finance works closely with our Power Alliance Dealer network to provide a personalised service, helping you answer any questions you may have. Speak to the Business Manager at your local participating dealership for information about financing your next vehicle.

What identification and documents do I need to apply?

We’ve created a checklist for you before you head into the dealership.

What terms does Power Alliance Finance offer for their finance products?

Power Alliance Finance offers loans ranging from 12 to 72 months in length, subject to Power Alliance Finance policy and approval, with a variety of flexible payment options. While all loans run on a monthly billing cycle, we offer the flexibility of weekly, fortnightly or monthly payments.

How can I make a complaint to Power Alliance Finance?

Power Alliance Finance works hard to try to ensure you always get the best service from us. If there’s something about our products or services that you aren’t happy with, then let’s work together to see if we can resolve it quickly and easily using the following process:

Step 1. Let us know
Email us at or call a Customer Solutions Representative on 138 100 between 8:30am – 7:00pm (EST) Monday to Friday. All matters are dealt with seriously and are treated in total confidence. We will aim to resolve your complaint to your satisfaction as soon as possible.

Step 2. Escalation to our Internal Dispute Resolution team
If we are unable to resolve your complaint within five business days, then the matter will be escalated to our Internal Dispute Resolution (IDR) team.

The IDR team will:

  • Conduct a more detailed investigation into your complaint
  • Keep you informed of the resolution process
  • Answer any of your questions
  • Aim to resolve the complaint promptly, and consistently

The IDR team can be contacted at any time by:
Mail: IDR Manager
Power Alliance Finance
PO Box 9215
Scoresby VIC 3179

Step 3. Seek an external review
If you aren’t satisfied with the outcome of your complaint after taking Steps 1 and 2, you may lodge a dispute with the Australian Financial Complaints Authority (AFCA). AFCA is an external independent impartial body that has been set up to resolve financial services disputes. There is no charge for this service.

The Australian Financial Complaints Authority can be contacted by:
Phone: 1800 931 678
Mail: Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

For more information please refer to our Customer Complaints Policy.

Will Power Alliance Finance provide finance for vehicles purchased privately?

Power Alliance Finance only provides finance for motor vehicles purchased through a licensed motor dealer.

What is Power Alliance Finance Tailored Rate?

It’s an interest rate that’s tailored to you. Instead of taking a one-size-fits-all approach, we use your credit score and other relevant criteria determined by us to calculate a rate that’s tailored for you. It doesn’t matter who you are, the same transparent and trusted process applies. 

Looking for a business loan instead? Switch to Business loan


This information provided by Power Alliance Finance, a division of Australian Alliance Automotive Finance Pty Limited ABN 63 002 407 703, Australian Credit Licence 513747 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

^Lower monthly repayments compared to a similar term with equivalent balloon final payment. Total interest charges will be higher if a balloon final payment is selected.

Target Market Determinations are available here.