car loans for private sales

Yes—plenty of Aussie lenders finance private-sale cars, you just jump through a few more hoops than at a dealer.

Expect a PPSR check, photo ID and proof of ownership from the seller, plus an inspection report; some lenders cap age/kilometres and require comprehensive insurance before settlement.

Rates and fees can be a touch higher than dealer finance, and funds are usually paid to the seller (or via escrow) once the paperwork checks out.

Get pre-approval, confirm transfer/rego and any payout on existing finance, and consider an independent inspection—cheap compared with inheriting someone else’s drama.