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Car Registration Loans

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Jacaranda Finance offers car registration loans from $1,000 to $15,000 to eligible customers.

If you need financial assistance to pay your car registration, Jacaranda Finance offers fast cash loans up to $15,000, 100% online. You could have your outcome in just 60-minutes*.

Need help paying your car registration?

The cost to register your car continues to rise each year, often costing hundreds if not thousands of dollars. Unfortunately, it is an unavoidable cost if you are a car owner. Are you having trouble sourcing the funds to outlay this cost? Jacaranda Finance offers affordable car registration loans from $1,000 to $15,000. 

Jacaranda Finance is an online lender, which allows us to specialise in delivering fast loan outcomes. We are Australia’s first lender to deliver a 60-second loan transfer; we support instant transfers on approval, which means that you could have your cash with 60-seconds**. We are as close to an instant loan that you can find in Australia, with loan outcomes often delivered within just 60-minutes*. 

Car registration loans Australia

A car registration loan is a form of personal loan used to cover the cost of car registration. You can choose to either register your car for half the year or the entire year. Jacaranda Finance offers car registration loans from $1,000 to $15,000 with flexible repayment options.

We offer three types of personal loans: small loans, medium loans and large loans. 

Loan type Security options Loan amount Repayment terms
Small loan Unsecured $1,000 to $2,000 6 to 12 months
Medium loan Secured $2,100 to $4,600 13 to 36 months
Large loan Secured $5,000 to $15,000 13 to 36 months

Our medium and large loans are both secured loans. A secured loan requires an asset to be held as security against your loan. You can choose to secure your loan with a car, motorbike or caravan. Having security against our larger loans allows us to continue to offer affordable, competitive rates. Refer to our costs page for a more detailed breakdown of our loan options. 

How to apply

Applying for car rego loans with Jacaranda Finance is simple and easy with our 100% online application form. Your application can be completed in just a few minutes and you could have your outcome within just 60-minutes*. Complete your loan application by following these simple steps:

Step 1: Apply for your loan using our online application

Step 2: Our team will assess your application

Step 3: We will contact you to let you know the outcome of your application

Step 4: If approved, review and sign your electronic contract

Step 5: You receive your money!


While we would love to help every Australian with short term finance, we have a few eligibility requirements all of our applicants must meet. Please ensure that you meet all of these criteria before you apply for a loan with us:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

Supporting documents

We require you to provide supporting documents so that we can process your application. To ensure your loan can be processed as fast as possible, it may be helpful to have these documents ready when you apply:

  • 100 points of ID
  • Your basic personal information (full name, D.O.B, address etc.)
  • Your online banking details
  • The reason for your loan
  • Your myGov login details (if you receive Centrelink benefits)

How much does it cost to register your car?

Vehicle registration is typically calculated using 3 components:

  • Vehicle Registration Fee: this fee is used to provide essential funding for transport infrastructure and maintenance
  • Traffic Improvement Fee: this fee is collected by the Department of Transport and Main Roads for construction and maintenance of each state’s road networks.
  • Insurance: each state has its own version of basic level, third-party insurance. This is to ensure that if a person causes injury to someone else in a motor vehicle accident, the insurance protects the vehicle owners and drivers financially. However, this cost does not cover the cost of damage to the other person’s car or personal property.

Queensland, South Australia and Tasmania calculate their car registration costs based on the number of cylinders a vehicle has. The more cylinders the vehicle has, the higher the fee. The main cylinder groups are 2, 4, 6 and 8.

New South Wales, Western Australia and the Australian Capital Territory base their fees on the vehicle’s tare weight.

Victoria charges a flat fee for all light vehicles, although it is determined by the location the vehicle is kept, i.e. metropolitan area, outer petro and rural. The further from the city, the lower the car registration fee. This is because the city is considered a ‘high risk area’, and rural areas are considered low risk.

The Northern Territory base their registration fees on engine capacity.

Car registration loan with bad credit

Jacaranda Finance is an online lender, which means that we can be more lenient in our credit requirements than traditional lenders. We are able to provide bad credit loans to eligible applicants that meet our requirements. We will conduct a thorough financial analysis using your bank statements to assess your income and spendings; this is to ensure that you can reasonably manage your loan. If we determine that you can manage a loan, even with bad credit, we may be able to provide you with one of our registration loans.

All of our applicants are subject to a thorough, individual assessment. We must still conduct a credit check in line with responsible lending guidelines set by ASIC; however, we may be able to provide you with a quick loan even with a poor credit score.


How much can I borrow?

You can apply to borrow any amount from $1,000 to $15,000 to cover the costs of your car rego. Our team will conduct a financial assessment to ensure you can afford your loan. Your repayment terms will vary depending on how much you borrow.

What are the fees and charges?

The fees and charges for your loan will be clearly outlined to you in the terms and conditions of your contract. They will depend on a few factors, mainly your current financial situation and how much you are borrowing. Each of our loan options accompany different fees, which may include interest and monthly fees. If you have bad credit, you will also likely be offered a higher interest rate. 

Can I get a car registration loan if I receive Centrelink?

We consider most Centrelink income as regular income. As long as you can reasonably manage your loan and meet the rest of our eligibility requirements, we may be able to provide you with a car rego loan Centrelink.

*If you apply within our business hours

*If you have an NPP-enabled bank account

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.