Carloans
CarLoans.com.au is an Australian car loan brokerage founded in 2013 that connects individual consumers and businesses with a panel of nearly 30 lenders across Australia, specializing in secured, unsecured, bad credit, and specialty vehicle financing.
- Company typePrivate
- Founded2013
- HeadquartersBrisbane, Australia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Carloans does
CarLoans.com.au (Carloans) is an Australian car loan brokerage established in 2013 and headquartered in Brisbane. The company operates as an intermediary connecting individual consumers and businesses seeking vehicle finance with a panel of nearly 30 lenders across Australia. Its product portfolio spans secured and unsecured car loans, bad credit financing, business vehicle loans, chattel mortgages, equipment finance, low-doc loans, and specialty financing for caravans, motorbikes, boats, trucks, and classic cars. Customers are segmented into four core groups: personal vehicle buyers (primary), business/commercial buyers, bad credit borrowers, and self-employed individuals requiring non-standard documentation.
The business operates on a commission-based revenue model, earning affiliate referral fees from lenders when it successfully matches borrowers with loan products; customers are not charged directly for the brokerage service. The go-to-market motion combines a self-serve website with inside sales via a dedicated phone line (1300 889 669), supported by personal consultants who manage each application from submission through settlement, with approval reportedly achievable in under 48 hours. Underlying technology is a standard car loan brokerage platform with lender matching and online application processing; no proprietary IP, mobile app, or public API is offered. Distribution is concentrated within Australia, with no international footprint.
CarLoans.com.au is a proprietary limited company trading under the CLFC Group umbrella, which also encompasses related financial services brands including loans.com.au, YourMortgageBroker, insurancepoint.com.au, and Firstmac Limited. The company holds Australian Credit Licence 433137, is ASIC-regulated, complies with RG 271 internal dispute resolution requirements, and is a member of the Australian Financial Complaints Authority (AFCA). It additionally trades under the brand name OnlineAuto and operates with a headcount of 11–50 staff.
Carloans firmographics
Firmographics- Name
- Carloans
- Legal name
- CarLoans.com.au Pty Ltd
- Website
- https://carloans.com.au
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CarLoans.com.au is an Australian car loan brokerage founded in 2013 that connects individual consumers and businesses with a panel of nearly 30 lenders across Australia, specializing in secured, unsecured, bad credit, and specialty vehicle financing.
- Ownership category
- akta.pro rank
Carloans industry classification
Industry- Product category
- Consumer Auto Finance Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Auto & Vehicle Loan Brokerage (FSAEAEAK)
- akta.pro secondary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Carloans is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Carloans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Broker Commission: CarLoans.com.au acts as a mortgage broker for car loans, earning commissions from lenders when successfully matching customers with appropriate loan products. They do not charge customers directly for their brokerage services.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Carloans product offering
Product offeringCore offering
CarLoans.com.au is an Australian car loan brokerage that matches individual and small-business borrowers with appropriate lenders from a panel of nearly 30 financial institutions. It brokers secured and unsecured car loans, bad credit, low-doc, business, chattel mortgage, equipment finance, truck, caravan, motorbike, boat, classic and used-vehicle loans, handling the application through to settlement via phone and online channels without charging customers directly.
Product overview
Carloans.com.au is a car loan broker service operating since 2013, not a single unified product but rather a platform connecting borrowers with a network of approximately 30 lenders throughout Australia. The core offering consists of secured and unsecured car loans, with specialized products for various customer segments including bad credit borrowers, self-employed individuals, and business owners. Their product portfolio includes secured car loans (using the vehicle as collateral), unsecured car loans, personal loans, bad credit car loans, caravan loans, motorbike loans, used car finance, classic car loans, business car loans, chattel mortgages, equipment finance, low doc car loans, truck loans, and boat loans. They also offer fixed and variable rate options. The service works by having brokers match customers with appropriate lenders from their panel, handling the application process from submission to settlement.
Differentiator
Problem solved
Functional benefit
Products and services
- Secured Car Loans Vehicle-secured loan product using the financed car as collateral, generally offering lower interest rates than unsecured alternatives; the lender can repossess and sell the vehicle if repayments are not made. Offered to Australian consumers and SMBs via carloans.com.au.
- Unsecured Car Loans Car loan product with no collateral attached, typically priced higher because of the increased risk to the lender; targeted at Australian borrowers who cannot or prefer not to pledge the vehicle.
- Personal Loans Broader-purpose personal loans arranged through the lender panel for uses such as debt consolidation and other non-vehicle financing needs where collateral is not pledged on the asset purchased.
- Bad Credit Car Loans Car finance for borrowers with poor credit histories, routed to lenders on the panel that specialize in sub-prime lending (such as Liberty Financial), marketed under a non-judgmental positioning.
- Caravan Loans Financing arranged for purchasing caravans at competitive rates via the lender panel network.
- Motorbike Loans Loan products arranged specifically for financing motorcycles and motorbikes via the lender panel.
- Used Car Finance Financing arranged through the lender panel for purchasing pre-owned vehicles from dealerships or private sellers in Australia.
- Classic Car Loans Specialized financing arranged via the lender panel for classic and vintage vehicles.
- Business Car Loans Financing arranged through the lender panel for vehicles used in business operations and commercial activities.
- Chattel Mortgage Commercial finance product where the borrower owns the vehicle that serves as security for the loan, commonly used by Australian businesses for vehicle purchases.
- Equipment Finance Financing arranged through the lender panel for commercial equipment purchases beyond vehicles, suited to Australian SMBs.
- Low Doc Car Loans Low documentation car loans arranged for self-employed individuals or borrowers who cannot supply standard proof-of-income paperwork, often ABN-based.
- Truck Loans Financing arranged via the lender panel for commercial trucks and utility vehicles, primarily for Australian businesses.
- Boat Loans Marine and boat financing arranged through panel lenders that specialize in recreational watercraft.
Quantifiable outcome
- Car finance approval and settlement in under 48 hours
- +1 more outcomes
Companies that use Carloans
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Carloans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Carloans partnerships and signals
Strategic signalScale indicators2 records
Carloans competitors and assessment
Company assessmentOthers
- Firstmac: Australia's largest non-bank lender (~$14B mortgage book) and an associated CLFC Group company offering car loans through the CarLoans.com.au panel. Relevant as a sibling lender rather than a competing broker.
- YourMortgageBroker: Australian mortgage broker within the CLFC Group. Comparable in intermediation structure but operates in mortgages rather than auto/asset finance; relevant as a same-ecosystem peer.
Direct peers
- Stratton Finance: Australian asset and vehicle finance broker arranging car, equipment, and commercial loans through a multi-lender panel. Closely comparable business model, customer base, and commission-driven revenue stream to CarLoans.com.au.
- CarFinance.com.au: Australian car loan broker focused on matching consumers with lenders for new and used vehicle finance. Direct competitor with similar panel-based intermediation and consumer-direct acquisition.
- loans.com.au: Australian online loan broker offering personal, car, and secured loans via a lender panel. Sits within the same CLFC Group as CarLoans.com.au and competes for the same consumer-direct loan-broker demand.
- Driva: Australian car-loan comparison and brokerage fintech focused exclusively on vehicle finance. Overlaps directly with CarLoans.com.au in target market (auto loan seekers) and lender-panel intermediation model, but is a more digitally-led, modern brand.
- Jade Car Loans: Australian car loan broker arranging finance across multiple lenders including for bad credit and used vehicles. Direct substitute for CarLoans.com.au in the Australian car-broker market.
Broad incumbents
- MoneyMe: Australian listed digital lender offering personal loans, car loans, and AutoPay same-day drive-away finance. Overlaps with CarLoans.com.au's products and customer segments (including self-employed and near-prime), but operates as a direct lender rather than a broker.
- Wisr: Australian ASX-listed non-bank lender offering consumer and car loans. Compares to CarLoans.com.au as both a panel partner and as a direct competitor moving toward consumer-direct digital lending.
- Liberty Financial: Australian specialist non-bank lender focused on sub-prime car loans and secured consumer lending. Both a Core panel partner for CarLoans.com.au and a structural alternative for the same underserved borrower segments.
Market position
Weaknesses5 records
Key risks6 records
Key highlights7 records
Customer concentration
Carloans social profiles
Digital presenceCarloans compliance and trust
Trust signalCompliance4 records
Carloans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Carloans leadership team
Management profileNumber of profiles
Carloans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Carloans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Carloans
What does Carloans do?
CarLoans.com.au is an Australian car loan brokerage that matches individual and small-business borrowers with appropriate lenders from a panel of nearly 30 financial institutions. It brokers secured and unsecured car loans, bad credit, low-doc, business, chattel mortgage, equipment finance, truck, caravan, motorbike, boat, classic and used-vehicle loans, handling the application through to settlement via phone and online channels without charging customers directly.
Is Carloans a public or private company?
Carloans is a private company. It is classified as corporate owned and is currently operating.
When was Carloans founded?
Carloans was founded in 2013. It employs 11 to 50 people.
Where is Carloans based?
Carloans is headquartered in Brisbane, Australia, in the Oceania region.
How does Carloans make money?
One revenue line is on record: broker Commission.
Who are Carloans's main competitors?
Others on record are Firstmac and YourMortgageBroker. Direct peers are Stratton Finance, CarFinance.com.au, loans.com.au, Driva and Jade Car Loans. Broad incumbents are MoneyMe, Wisr and Liberty Financial.
Does Carloans have an API?
No public API is recorded for Carloans.
What industry is Carloans in?
Carloans's product category is Consumer Auto Finance Brokerage. Its primary akta.pro industry code is FSAEAEAK, Auto & Vehicle Loan Brokerage, with a secondary code of FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522310 and its SIC code is 6163.