Car Finance Perth
Morella Finance helps Perth buyers arrange car finance from $10,000 for new and used cars, including dealer purchases and private sales. You can get your budget sorted before shopping, then have the finance paperwork and settlement handled when you find the right car.
Car loans from 6.20% p.a. Comparison rate 6.63% p.a.*
Set your budget before you start shopping
Knowing what you can spend makes it easier to narrow down cars and negotiate with a seller. Tell me your preferred repayment, whether you have a deposit or trade-in, and what you need the car for. I'll help you work towards a purchase budget that leaves room for the rest of your expenses.
Allow for fuel or charging, insurance, registration, servicing and tyres alongside the repayments. If your car will cover weekday commuting and weekend drives through the Swan Valley or Perth Hills, factor in those extra kilometres. For a used car, leave some room for maintenance rather than putting every available dollar into the purchase.
Getting pre-approved before visiting car yards gives you a clearer starting point. Same day pre-approval is possible, depending on your circumstances and the lender, and no deposit options are available for eligible buyers. I'll explain any conditions still to be met before you commit to a particular car.
Car Finance Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$580
per month
Weekly
$134
Total repayment
$34,799
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
What you can finance
Morella Finance can arrange finance for a range of cars, whether you're replacing an everyday runabout or buying something with more room for the family. Send me the model, age and asking price so I can check suitable options for that car and your circumstances.
New cars bought from a dealer.
Used cars bought from a dealer or private seller.
Demonstrator cars.
Hatchbacks, sedans and wagons for everyday driving.
SUVs and family cars.
Electric and hybrid cars.
Refinancing is also available if you want to review an existing car loan. I'll look at the current payout and the proposed loan terms so you can see whether changing loans would suit you.
Buying from a dealer in Perth
Perth has established car dealer areas along Scarborough Beach Road in Osborne Park and Albany Highway in Victoria Park. Getting your finance underway before comparing cars in these areas helps you shop with a budget already in mind.
Once you've chosen a car, send me its details and the dealer invoice. I deal with the dealer on the finance paperwork and settlement, including confirming what's needed before funds can be released. You can concentrate on checking the car, agreeing on the purchase and organising collection.
Check what the quoted price includes, especially registration, duty and any extras you've selected. If you're relying on finance to complete the purchase, speak with me before signing and make sure any agreed finance condition is recorded in the contract.
Buying a car privately in Perth
If you find a car through a private seller in Perth, I handle the lender's purchase paperwork and coordinate settlement with the seller.
Get pre-approved, then go and look at the car.
Once you've inspected it and agreed on a price, send me the seller's details.
I contact the seller for ownership documents and run a PPSR search to check whether money is owed on the car.
If the lender requires an inspection, I arrange it. Occasionally a valuation is needed too.
I prepare a private sale invoice for you and the seller to sign.
The lender pays the seller directly. Any existing finance is paid out at settlement.
Once the funds clear, you collect the car.
Money owing on the car isn't automatically a deal breaker. It is paid out at settlement so you receive clear ownership.
Western Australia rules and paperwork
When you buy a WA-licensed car, you must notify the Department of Transport and Major Infrastructure within fourteen days of purchase. The seller has seven days to notify the department. Eligible transfers can be completed through DoTDirect, while others require the vehicle licence transfer form, so check which process applies to your purchase.
The buyer generally pays a transfer fee and vehicle licence duty. For a used car, the dutiable value is its open market value, and the transfer paperwork requires both the purchase price and an estimate of that value. Allow for these costs before agreeing on your total purchase budget.
WA private sellers are not legally required to arrange a roadworthiness check before selling their car. An independent mechanical inspection is still a sensible step before agreeing to buy, even if the lender doesn't require one. A car bought from interstate must pass an inspection at an Authorised Inspection Station and receive an inspection certificate before it can be licensed in WA.
One broker from enquiry to settlement
You speak with me throughout the application, so you have one person to call about documents, approval or settlement. Morella Finance is an independent brokerage and works with a large panel of lenders, including specialist lenders. I compare suitable options and explain the repayments and conditions in plain English.
Low-doc options are available for eligible self-employed buyers. Tell me about your work and the car you're considering, and I'll explain what the relevant lender needs for your application.
Morella Finance is based on the Gold Coast and works with Perth clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST. Asking for a free quote doesn't affect your credit file.
FAQs
Rates on our panel start from 6.20% p.a. (comparison rate 6.63% p.a.)*. The rate you're offered depends on your credit history, the car's age and the loan term. Tell us what you're buying and we'll compare lenders to find you the best rate we can. The comparison rate example and warning are at the bottom of this page.
Yes. I can help you arrange pre-approval before shopping in Osborne Park, Victoria Park or elsewhere in Perth, subject to lender assessment. Once you choose a car, I'll check it meets the lender's requirements.
Yes, existing finance doesn't automatically prevent the purchase. I obtain the ownership and payout information, with the existing finance paid out at settlement.
As the buyer of a WA-licensed car, you must notify the transport department within fourteen days of purchase. Keep a copy of the completed transfer paperwork and your purchase documents.
No. WA does not have a cooling-off period for vehicle sales, so check the car, total price and any agreed finance condition before signing the purchase contract.
Yes. I work with Perth buyers by phone and email, handling the application and coordinating with the dealer or private seller through to settlement. You deal directly with me at each stage.