Personal Car Loans

Driving away in the car of your dreams could be easier than you think. Our personal car finance is flexible, with an interest rate that’s customised to you.

We’re all about transparency

You will always know where you stand with us – that’s a promise. You’ll be able to plan exactly how much you need to pay on your personal car loan each month and there’ll never be any surprises with our fees. And we finance many make and models through an extensive network of dealerships which offer Power Alliance Finance.


We customise your interest rate using a sophisticated algorithm, along with your credit score and other relevant factors determined by us, such as loan type and property ownership. We then lock this rate in for the duration of your loan so you always know what your loan repayments will be.


You can shape your loan to suit your financial needs. Choose to add a balloon payment, which means you pay less at the beginning and more at the end of your loan. Choose a loan term ranging from 1-7 years. And if you want to reduce your repayments we're also open to different deposit amounts.


We make sure to provide personal car finance that is convenient and hassle-free. Once you are a customer you can access your loan information at any time, from anywhere via our online customer portal. Visit one of our preferred dealers to discuss your needs and they'll have you sorted in no time!

Features + Benefits

Personal Car Loans

Dreaming of being behind the wheel of your new car? It can be yours in a few easy steps. Our personal car loans are flexible, transparent and tailored to you with our Customised Rate. Check out the benefits:

  • Lock in a fixed rate loan, so there’s never any surprises in your monthly payments
  • Choose loan terms ranging from 1 – 7 years
  • Decide your instalment frequency and how you want to pay. We love a bit of flexibility!
  • You can opt for a balloon payment, which means you pay less every month but you will have a larger payment at the end of your loan
  • Include a deposit to reduce your payment amount
  • Convenience of managing your loan online

How to apply

Just follow the simple steps below and you’ll be behind the wheel in no time. Our team is here to make your personal car loan application as simple and convenient as possible.

Step 1

Documents I need

We’ve made the process of organising car finance easier with this checklist of documents you’ll need when you get in touch.

Step 2

Drop by

Drop by your favourite dealer from the extensive network which offer Power Alliance Finance and they’ll talk you through you what information you need to provide in order to apply for a loan.

Step 3


Once you’ve provided your dealer with your loan application, information and paperwork, we’ll take it from there.

Looking for 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.

Target Market Determinations are available here.