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Australia Used Car Financing Market Size, Share and Growth Analysis Report: Forecast Trends and Outlook (2025-2034)

Publisher Expert Market Research
Published Oct 26, 2025
Length 118 Pages
SKU # EMAR20560164

Description

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.

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 2025-2034" 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.

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

Table of Contents

118 Pages
1 Preface
2 Report Coverage – Key Segmentation and Scope
3 Report Description
3.1 Market Definition and Outlook
3.2 Properties and Applications
3.3 Market Analysis
3.4 Key Players
4 Key Assumptions
5 Executive Summary
5.1 Overview
5.2 Key Drivers
5.3 Key Developments
5.4 Competitive Structure
5.5 Key Industrial Trends
6 Market Snapshot
7 Opportunities and Challenges in the Market
8 Asia Pacific Used Car Financing Market Overview
8.1 Key Industry Highlights
8.2 Asia Pacific Used Car Financing Historical Market (2018-2024)
8.3 Asia Pacific Used Car Financing Market Forecast (2025-2034)
9 Australia Used Car Financing Market Overview
9.1 Key Industry Highlights
9.2 Australia Used Car Financing Historical Market (2018-2024)
9.3 Australia Used Car Financing Market Forecast (2025-2034)
10 Australia Used Car Financing Market by Car Type
10.1 Multi-purpose Vehicle (MPV)
10.1.1 Historical Trend (2018-2024)
10.1.2 Forecast Trend (2025-2034)
10.2 Sedan
10.2.1 Historical Trend (2018-2024)
10.2.2 Forecast Trend (2025-2034)
10.3 Hatchback
10.3.1 Historical Trend (2018-2024)
10.3.2 Forecast Trend (2025-2034)
10.4 Sport Utility Vehicle (SUV)
10.4.1 Historical Trend (2018-2024)
10.4.2 Forecast Trend (2025-2034)
11 Australia Used Car Financing Market by Financier
11.1 Non-Banking Financial Companies (NBFC)
11.1.1 Historical Trend (2018-2024)
11.1.2 Forecast Trend (2025-2034)
11.2 OEM
11.2.1 Historical Trend (2018-2024)
11.2.2 Forecast Trend (2025-2034)
11.3 Banks
11.3.1 Historical Trend (2018-2024)
11.3.2 Forecast Trend (2025-2034)
12 Australia Used Car Financing Market by Fuel Type
12.1 Petrol
12.1.1 Historical Trend (2018-2024)
12.1.2 Forecast Trend (2025-2034)
12.2 Diesel
12.2.1 Historical Trend (2018-2024)
12.2.2 Forecast Trend (2025-2034)
12.3 CNG/LPG
12.3.1 Historical Trend (2018-2024)
12.3.2 Forecast Trend (2025-2034)
12.4 Electric
12.4.1 Historical Trend (2018-2024)
12.4.2 Forecast Trend (2025-2034)
12.5 Others
12.5.1 Historical Trend (2018-2024)
12.5.2 Forecast Trend (2025-2034)
13 Australia Used Car Financing Market by Region
13.1 New South Wales
13.1.1 Historical Trend (2018-2024)
13.1.2 Forecast Trend (2025-2034)
13.2 Victoria
13.2.1 Historical Trend (2018-2024)
13.2.2 Forecast Trend (2025-2034)
13.3 Queensland
13.3.1 Historical Trend (2018-2024)
13.3.2 Forecast Trend (2025-2034)
13.4 Australian Capital Territory
13.4.1 Historical Trend (2018-2024)
13.4.2 Forecast Trend (2025-2034)
13.5 Western Australia
13.5.1 Historical Trend (2018-2024)
13.5.2 Forecast Trend (2025-2034)
13.6 Others
14 Market Dynamics
14.1 SWOT Analysis
14.1.1 Strengths
14.1.2 Weaknesses
14.1.3 Opportunities
14.1.4 Threats
14.2 Porter’s Five Forces Analysis
14.2.1 Supplier’s Power
14.2.2 Buyer’s Power
14.2.3 Threat of New Entrants
14.2.4 Degree of Rivalry
14.2.5 Threat of Substitutes
14.3 Key Indicators for Demand
14.4 Key Indicators for Price
15 Competitive Landscape
15.1 Market Structure
15.2 Company Profiles
15.2.1 Ozcar Pty Ltd.
15.2.1.1 Company Overview
15.2.1.2 Product Portfolio
15.2.1.3 Demographic Reach and Achievements
15.2.1.4 Certifications
15.2.2 Plenti Group Limited (Plenti Pty Limited)
15.2.2.1 Company Overview
15.2.2.2 Product Portfolio
15.2.2.3 Demographic Reach and Achievements
15.2.2.4 Certifications
15.2.3 Pepper Money Limited
15.2.3.1 Company Overview
15.2.3.2 Product Portfolio
15.2.3.3 Demographic Reach and Achievements
15.2.3.4 Certifications
15.2.4 Sojitz Corp. (Albert Automotive Holdings Pty Ltd.)
15.2.4.1 Company Overview
15.2.4.2 Product Portfolio
15.2.4.3 Demographic Reach and Achievements
15.2.4.4 Certifications
15.2.5 Wisr Finance Pty Ltd.
15.2.5.1 Company Overview
15.2.5.2 Product Portfolio
15.2.5.3 Demographic Reach and Achievements
15.2.5.4 Certifications
15.2.6 Quantum Savvy Pty Ltd.
15.2.6.1 Company Overview
15.2.6.2 Product Portfolio
15.2.6.3 Demographic Reach and Achievements
15.2.6.4 Certifications
15.2.7 Adelaide Vehicle Centre
15.2.7.1 Company Overview
15.2.7.2 Product Portfolio
15.2.7.3 Demographic Reach and Achievements
15.2.7.4 Certifications
15.2.8 Others
16 Key Trends and Developments in the Market

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