
How to get a car loan with Urbanmiles

1. Smart match
Follow a few simple online steps and we’ll match your personal profile to the best pre-qualified rates - not generic rates that can change later in the process.

2.Choose loan
Choose a preferred lender from your personalised options, with 100% transparency. The options we provide will show all fees, with nothing hidden.

3. We do the checks
We make sure you're likely to be approved before sharing your profile with lenders. This prevents disappointment, protects your credit score and speeds up the process. Getting approved takes from 2 hours to 2 days, depending on your lender.

4. Loan Approved
Once you've found your car, give us vehicle details and proof of insurance car details and we'll release funds (subject to loan approval). If you don't know where to start, we can help with that too!
Lending Partners
Compare multiple lenders with Urbanmiles
Find my rates optionsThis won't affect your credit score

Interest rate
7.40% - 7.50% *

Interest rate
8.50% - 11.25%

Interest rate
8.82% - 12.75%

Interest rate
3.40-3.50%

Interest rate
7.35% - 9.10%

Interest rate
8.80% – 10.00%

Interest rate
7.70% - 8.45%

Interest rate
7.30% - 9.90%

Interest rate
7.25% - 7.50%

Interest rate
7.70% - 9.30%

Interest rate
7.35% - 7.95%

Interest rate
8.40% - 9.00%

Interest rate
9.40% - 9.90%

Interest rate
7.95% - 8.70%

Interest rate
8.20% - 8.55%
Don't take our word for it
We always recommend a second opinion. Check out our customer reviews
So how does it work?
Find my rates options
Have Questions ?
Not all car loan lenders were born equal, which means some have slower response times, bigger fees, worse support functions and higher rates than others, and they all have different lending criteria. But we’ve hand-picked those that we work with to support our vision of a seamless customer experience, an effortless online finance application process and the lowest rates.
Your credit score isn’t always the most important factor though. Some lenders will pay more attention to personal details like your income and living situation or the loan amount you’re looking for. Urbanmiles works with more than 30 lenders to ensure that you have the best chance of finding a finance option that works for you.