At Select and Switch, we aim to provide you with access to the best car loan offers on the market, saving you both time and money. We’ve partnered with Car Clarity, Australia’s most trusted car loan and car buying service, using personalised service and smart technology to help you compare low-rate finance offers from over 50 lenders and 1,000 loan options.
Whether you’re looking for a new car loan, used car loan, or business car loan, we will help find you personalised great rates in minutes.
We do not compare all brands, plans, or products in the market, or all plans or products offered by all brands. At times the availability of plans and offers may change, and some brands and/or products may not be available or offered to you. Some products and special offers may only be available from our call centre or website – please call us to see if you are eligible.
Car financing can be confusing, but with Select and Switch, it’s simple. Our service compares over 1,000 loan products from 50+ lenders, giving you options tailored to your personal circumstances. Get your top car loan rate in minutes without affecting your credit score.
Our experienced car loan experts will guide you through the entire financing process, helping you secure the best rates from Australia’s top lenders. From application to approval, we're here to make the process seamless.
With our easy application process, you can find and apply for a low-rate car loan in just minutes. Get approved in as little as 24 hours and start driving your new or used car sooner.
Speak with one of our car loan specialists for expert guidance on your car loan options.
The amount you can borrow depends on factors like your credit score, income, and the lender’s criteria. Use our platform and service to find the best loan matches based on your financial situation.
Simply enter your details into our online form and one of our finance experts will contact you to discuss your requirements and provide you with top loan options. Once you decide which one works best for you, our team will work with you to complete your application and then guide you through the approval process.
Some lenders may require a deposit, while others offer 100% financing options. The size of the deposit can impact your loan amount and interest rate, but our experts will help find the best option for you.
Interest rates vary based on your credit score, loan amount, and whether the car is for personal or business use. Rates can fluctuate, so it’s important to check both the comparison rate and interest rate before applying. We’ll match you with the best rates based on your situation.
A balloon payment is a larger, one-time payment due at the end of the loan term. This option can lower your monthly payments but will require a larger final payment.
A secured car loan uses the car as collateral, which usually results in lower interest rates compared to unsecured loans. If you default on the loan, the lender can repossess the car to recover their losses.
The comparison rate includes both the interest rate and any associated fees, providing a more accurate reflection of the true cost of the loan over time.
Yes! If you want to reduce your repayments or get better terms, refinancing could be the right option. Compare refinance rates with our tool and apply online if you like the savings.
Approval time depends on the lender and your personal circumstances, plus
– The type of loan you’re after
– How quickly you’re able to provide basic documents (payslips, ID, other required info)
– When you need the funds
A loan could be finalised in as little as 2 hours but ultimately we’ll go at your pace depending on your situation and what you need.
Our service performs a soft check, which won’t impact your credit score when you initially request to compare rates. Only when you proceed with a full application will a hard inquiry be made.
Whether you’re buying a new car, refinancing, or seeking a business loan, Select and Switch makes the car loan process fast and easy. Find the best rates in minutes and get approved in hours.
24 August 2026
Gas & Electricity
6 August 2026
Gas & Electricity
5 May 2024
Energy
Things you should know
*Getting your best loan matches does not affect your credit score. Once the application process begins our car loan partner will then conduct a credit check which may impact your credit score.
© 2026 Select and Switch. All rights reserved. ACN 608 202 053 The Select and Switch website and trading name are owned by AAA Conglomerate Pty Ltd ACN 608 202 053.
Select and Switch is a comparison and information service that allows you to compare different products and providers. We provide general information only on a range of products and services. We do not compare all lenders in the car and vehicle loan market, or all products offered by all lenders. At times, certain lenders and products may not be available. Your eligibility for the products that we show to you are subject to you satisfying the relevant lender’s requirements, including a credit assessment. We have partnered with CarClarity ACL Pty Ltd ABN 50 606 243 243 / ACN 606 243 243 and Australian Credit License 478 874 who provides support and information in relation to car loan options from lenders. Select and Switch provides you access to our car loan partner Car Clarity’s expert team who can assist in selecting suitable car loans from a panel of 50+ lenders and over 1000 financial services products. The financial products compared on this website do not necessarily compare all features that may be relevant to you, and Select and Switch and our car loan partner Car Clarity does not compare all rates in market. All applications are subject to the credit provider’s credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. Select and Switch may receive a commission from Car Clarity for settled loans.
**Loan approval rate based on applications submitted to CarClarity lenders between October 1 and December 31 2021.
^Loan approval times subject to lender requirements and may vary lender to lender.
© 2026 Select and Switch. All rights reserved. ACN 608 202 053 The Select and Switch website and trading name are owned by AAA Conglomerate Pty Ltd ACN 608 202 053.
