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Report Overview
The Australia used car financing market is estimated to be valued at AUD 12.57 billion in 2025. It is expected to grow at a CAGR of 4.70% between 2026 and 2035 to reach almost AUD 19.90 billion by 2035.
- According to ABS, in 2023, the total number of motor vehicles registered in Australia reached 21,168,462.
- Further, in 2021, the average number of motor vehicles per household was 1.8.
- As per ABS, average weekly earnings in Australia increased by 4.5% annually and reached AUD 1,888.80 in 2023.
Compound Annual Growth Rate
4.7%
Value in AUD billion
2026-2035
The Australia used car financing market is being strengthened by banks, which lead the sector by offering customers a wide range of potential borrowers interested in financing used vehicles. Banks also leverage cross-selling of their other financial products, such as used car loans, to strengthen customer relationships. Moreover, to remain competitive in the market, banks offer attractive interest rates on used car loans. The non-banking financial companies offer tailored products with features such as lower down payment requirements and competitive interest rates to make financing more accessible to consumers. In October 2022, INCHCAPE Australasia launched its new online and physical used-car division, Bravoauto, with its first store in Penrith, NSW.
| Australia Used Car Financing Market Report Summary | Description | Value |
| Base Year | AUD billion | 2025 |
| Historical Period | AUD billion | 2019-2025 |
| Forecast Period | AUD billion | 2026-2035 |
| Market Size 2025 | AUD billion | 12.57 |
| Market Size 2035 | AUD billion | 19.90 |
| CAGR 2019-2025 | Percentage | XX% |
| CAGR 2026-2035 | Percentage | 4.70% |
| CAGR 2026-2035 - Market by Region | Australian Capital Territory | 6.2% |
| CAGR 2026-2035 - Market by Region | Western Australia | 5.9% |
| CAGR 2026-2035 - Market by Car Type | Multi-purpose Vehicle (MPV) | 6.3% |
| CAGR 2026-2035 - Market by Financier | Non-Banking Financial Companies (NBFC) | 6.0% |
| 2025 Market Share by Region | Queensland | 20.1% |
Various trends and innovations driving the growth of the Australia used car financing industry include the increase in online platforms, which allow users to secure financing directly through marketplaces, thereby simplifying the purchasing process. Moreover, fintech companies are integrating innovative solutions such as blockchain-based financing and AI-driven credit scoring algorithms to improve efficiency and reduce costs for buyers. Furthermore, lenders are offering more flexible financing options, including lower down payment requirements and customised repayment schedules, to provide buyers with greater flexibility and affordability.
"Australia Used Car Financing Market Report and Forecast 2026-2035" offers a detailed analysis of the market based on the following segments:
Market Breakup by Car Type
- Multi-purpose Vehicle (MPV)
- Sedan
- Hatchback
- Sport Utility Vehicle (SUV)
Market Breakup by Financier
- Non-Banking Financial Companies (NBFC)
- OEM
- Banks
Market Breakup by Fuel Type
- Petrol
- Diesel
- CNG/LPG
- Electric
- Others
Market Breakup by Region
- New South Wales
- Victoria
- Queensland
- Australian Capital Territory
- Western Australia
- Others
Australia Used Car Financing Market Share
Sedans hold a significant share in the Australia used car financing market, driven by their popularity, affordability, and versatility. They attract diverse buyers with accessible financing options, stable resale values, and suitability for various purposes, ensuring their strong market presence and growth.
| CAGR 2026-2035 - Market by | Region |
| Australian Capital Territory | 6.2% |
| Western Australia | 5.9% |
| New South Wales | XX% |
| Victoria | XX% |
| Queensland | XX% |
| Others | XX% |
Leading Companies in the Australia Used Car Financing Market
The growth of the used car financing market is fuelled by fintech innovations, flexible financing options, online financing platforms, digital transformation, and the rise of sustainable transportation.
- Ozcar Pty Ltd.
- Plenti Group Limited (Plenti Pty Limited)
- Pepper Money Limited
- Sojitz Corp. (Albert Automotive Holdings Pty Ltd.)
- Wisr Finance Pty Ltd.
- Quantum Savvy Pty Ltd.
- Adelaide Vehicle Centre
- Others
Pricing Plans
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$2749 $2499
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$3849 $3499
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$4949 $4499
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$6049 $5499
*While we strive to always give you current and accurate information, the numbers depicted on the website are indicative and may differ from the actual numbers in the main report. At Expert Market Research, we aim to bring you the latest insights and trends in the market. Using our analyses and forecasts, stakeholders can understand the market dynamics, navigate challenges, and capitalize on opportunities to make data-driven strategic decisions.*
Key Questions Answered in the Report
The market was valued at AUD 12.57 billion in 2025.
The market is projected to grow at a CAGR of 4.70% between 2026 and 2035.
The revenue generated from the used car financing market is expected to reach AUD 19.90 billion in 2035.
Based on the car type, the used car financing market is bifurcated into sedan, hatchback, multi-purpose vehicle, and sport utility vehicle (SUV).
Key players in the used car financing industry are Ozcar Pty Ltd., Plenti Group Limited (Plenti Pty Limited), Pepper Money Limited, Sojitz Corp. (Albert Automotive Holdings Pty Ltd.), Wisr Finance Pty Ltd., Quantum Savvy Pty Ltd., and Adelaide Vehicle Centre, among others.
Based on financier, the used car financing market is divided into non-banking financial companies (NBFC), OEM and banks.
The market is broken down into New South Wales, Victoria, Queensland, Australian Capital Territory, Western Australia, and others.
Report Summary
Explore our key highlights of the report and gain a concise overview of key findings, trends, and actionable insights that will empower your strategic decisions.
| Report Features | Details |
| Base Year | 2025 |
| Historical Period | 2019-2025 |
| Forecast Period | 2026-2035 |
| Scope of the Report |
Historical and Forecast Trends, Industry Drivers and Constraints, Historical and Forecast Market Analysis by Segment:
|
| Breakup by Car Type |
|
| Breakup by Financier |
|
| Breakup by Fuel Type |
|
| Breakup by Region |
|
| Market Dynamics |
|
| Competitive Landscape |
|
| Companies Covered |
|
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