Car Loans · Private Sale Car Loans
Car loans for private-sale purchases
A private-sale car loan finances a vehicle bought from a private seller rather than a dealer. Noddle compares private-sale loans across a panel accessed through the Loan Market Group platform and arranges the fit, and explains the PPSR check that confirms the car is not under finance. The lender approves and funds it.
Noddle is a broker, not a lender. We find, compare and arrange; lenders approve and lend.
- Australian Credit Licence 526746
- Member of AFCA
- Servicing Australia, 100% online
- One application, many lenders compared
How private-sale finance is different
A private sale has no dealer to handle paperwork, so the lender does more checks directly. Most lenders require a PPSR search to confirm the car is not already under finance or written off, and the loan is usually secured against the vehicle. Noddle walks you through each step.
Getting pre-approved for a private sale
Because private sellers often want a quick, clean transaction, pre-approval helps you move fast with a set budget. Noddle arranges pre-approval that usually lasts 30 to 90 days, so you can commit to a car with confidence.
Related pages
Frequently asked questions.
Yes. A private-sale car loan finances a vehicle bought from a private seller. Noddle compares lenders who fund private sales and arranges the one that fits. The lender usually requires a PPSR check and secures the loan against the vehicle, subject to its assessment.
You find the car, Noddle arranges finance, and the lender pays the seller directly once checks are complete. A PPSR search confirms the car is not under finance. The loan is usually secured against the vehicle. Pre-approval beforehand lets you buy with a set budget.
Usually, yes. Most lenders secure a private-sale loan against the vehicle, which can mean a lower rate. Some offer unsecured options for older cars. Noddle explains which applies to each option and compares the true cost of each.
A PPSR search confirms the car is not under existing finance, stolen or written off. Lenders may also check the vehicle’s valuation. Noddle explains what a given lender requires so the purchase completes without surprises.
Noddle may charge a brokerage fee for arranging your loan, and may also receive a commission from the lender. Both are disclosed upfront in our Credit Guide and your written quote before you commit. The brokerage fee can be paid upfront or capitalised into your loan. If capitalised, you pay interest on it over the loan term. All fees and commissions are disclosed in our Credit quote before you proceed.
About the author
Joshua Wessels is the founder of Noddle and leads its broking team. He has more than a decade in Australian consumer finance and holds a Diploma in Mortgage Broking. Noddle is a member of the Finance Brokers Association of Australia (FBAA member 362825) and the Australian Financial Complaints Authority (AFCA member 81857), and operates under Australian Credit Licence 526746.
Read more about the team on the Noddle team page.
Noddle Pty Ltd (ABN 63 643 806 759, ACN 643 806 759) operates under Australian Credit Licence 526746. Noddle is a credit assistance provider, not a credit provider. We arrange loans through a panel of lenders accessed via the Loan Market Group (LMG) aggregation platform. We are bound by the responsible lending obligations of the National Consumer Credit Protection Act 2009 and regulated by ASIC. Fees and any commissions are disclosed in our Credit Guide and your written quote before you commit. Any approval, rate and amount is determined by the lender, subject to their assessment.
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