Cairns Car Loans

Looking for a new or used car loan in the Cairns region? Whether you're after a performance vehicle, family car, or something to take off-road, you'll want the best car finance rate available.

That's where we come in! We will source the best and lowest car loan rate for you, so you can get the car you want without dealing with the banks.

Learn more about our financing options below or fill out our online application form for a pre-approved loan. We can help anyone get a great deal on a car loan, whether it's for personal or commercial use.


Do You Finance New & Used Cars?

Of course! We can provide car finance for both new or second-hand vehicles throughout Cairns and Tropical North Queensland. We will help you with all the necessary details to finalise the loan, from sourcing the best rate amongst a wide panel of lenders, to get the loan in your nominated account.

If you're purchasing from a Cairns car dealership (see our map below) we can organise the finance as well as how the deal comes together. We'll even facilitate the process for private car sales too, ensuring that all the parties are taken care of.

Find out your approximate monthly, fortnightly or weekly repayment amount using our quick and easy car loan repayment calculator. Call us for a more accurate indication of the interest rate you’re eligible for or apply online today.

Do you provide secured or unsecured finance?

We mostly organise secured car loans as this is what the majority of our Cairns customers contact us for. A secured loan means the asset you are getting a loan for (for example a new car or motorcycle) is used as security for the loan. This means that if for some reason you're no longer able to make your repayments, the lender can sell the purchased item to make up the remaining loan amount owed.

We can also organise an unsecured car loan, but this usually results in a higher interest rate due to the higher risk for the lender. This is similar to second chance financing (or bad credit loans) and is often just not possible due to your circumstances.

What is a balloon payment and do you offer this?

Quite simply a balloon payment is where you choose to add a balloon or final lump sum payment amount that reduces the loan repayments through the term of the loan. At the end of the loan period, you then pay out the final payment amount or refinance the loan to keep paying it off.

This option has become quite popular in recent years and is an excellent way of keeping repayment amounts low. 

Can you provide car loans for Cairns businesses?

Yes, we can certainly help your Cairns business with car financing in the forms of:

  • Hire purchase
  • Chattel mortgage
  • Car finance lease
  • Company cars and novated car leasing

If your business operates in the Cairns region just fill in an online application and we'll take it from there.

Car Dealerships in Cairns

To help you on your hunt for your new vehicle we've compiled a list of some of the top dealerships in Cairns. See the map below for more Cairns car dealers.

Pacific Toyota

New & Used Toyota vehicles as well as Fleet.

  • New & Used Vehicles: 235 Mulgrave Road, Cairns QLD 4870 - Call: (07) 4030 7444
  • Used Vehicles: 77 Mulgrave Road, Parramatta Park QLD 4870 - Call: (07) 4030 7444

Ireland's Dealerships

Ireland's of Cairns is one of the oldest chain of dealerships in the Cairns region with a wide variety of makes available.

Ireland Holden & HSV: 227 Mulgrave Road Cairns QLD 4870 Call: 1300 856 884

Ireland Isuzu: 25-27 O'Leary Street Cairns QLD 4870 Call: 1300 856 884

Ireland Mitsubishi: 219 Mulgrave Road Cairns QLD 4870 Call: 1300 856 884

Ireland RAM, Ireland Chrysler, Ireland Jeep, Ireland Alfa Romeo, Ireland Fiat & Ireland Abarth: 221 Mulgrave Road Cairns QLD 4870 Call: 1300 856 884

Ireland's Used Cars & Ireland Fleet: 223 Mulgrave Road Cairns QLD 4870 Call: 1300 856 884

Car Clubs in Cairns

  • Cairns & District Historic Vehicle Club: Founded in 1971 for the restoration and preservation of historic and unique vehicles. The club meets every second Saturday. Address: PO
    Box 849 MALANDA QLD 4885 Phone: (07) 4096 6806 Email:
  • FNQ Motorsports Club: Started in the late 1980's and offers competitive motorsport fun on a "shoe string" budget. Events are held once a month at both two locations  Address: Mareeba Rally Sport Park - 134 Spring Road, Mareeba QLD 4880 & Tepon Raceway - Flaggy Creek Road, Herberton, Queensland 4887 Phone: 0407 019 746
  • If you're interested in 4x4 driving, check out the Cairns 4WD Club Inc. The club was established in 1975 for those passionate about 4W driving in the FNQ region. The club meets the first Wednesday of every month (except January). Address: 18-26 Cannon Street, Manunda QLD 4870 in the Somerset Room. Phone: 0447 663 314
  • All American Car Club of Cairns is a social club for owners of American cars of all makes, models, age or vintage. Monthly club meetings are held on the last Sunday of the month Address: 64 Wattle Street, Yorkeys Knob, QLD 4878 (Yorkeys Knob Community Hall).
  • For lovers of hot rods and custom cars, check out the Top of the State Rod & Custom Car Club Inc.
  • The Fat Bastards Car Club Inc.: Open to all makes and model of vehicle. Meets the last Friday of the month 5:30 pm - 12 am. Non-member's welcome. Address: 41/193 Hartley St, Cairns, Queensland, Australia 4870 Call: 0407 037 529

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