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Australia Car Finance Market Research Report Information by Finance Type [Direct Financing (Loans from Banks, Credit Unions), Indirect Financing (Dealer Financing, Captive Finance Companies), Leasing Options (Operational Leasing, Financial Leasing), Perso

Publisher Market Research Future
Published Sep 10, 2025
Length 105 Pages
SKU # RESFT20479018

Description

The Australia Car Finance Market is anticipated to expand at a CAGR of 3.1% between 2024 and 2032, reaching USD 17,845.7 million by the end of the forecast period. Car finance helps individuals or businesses buy vehicles by providing payment options such as loans or leasing plans. Instead of making a lump-sum payment, the borrower pays in monthly installments, usually with added interest.

One of the most significant factors that has propelled the Australia car finance market to new heights is the increasing popularity of new and used cars, especially EVs and SUVs. The demand for flexible financing has been amplified by surging vehicle sales, improved economic conditions, and shifting consumer preferences. As car prices and loan repayments are going up, banks and fintech platforms are responding by tailoring lending solutions and making approvals quicker, thus enabling car finance to be the main driver of the automotive growth in Australia.

Key Company Development
In July 2020, Toyota Financial Services, the financial arm of Toyota Motor Corporation, set up Toyota Financial Services Singapore (TFSSG) to provide financing for Toyota and Lexus buyers in partnership with Borneo Motors Singapore. The inauguration was an important landmark in Toyota's regional financial expansion, as it provided the Singapore premium automotive market with attractive and customer-friendly financing programs that not only facilitated the ownership experience but also increased the company’s presence.

Major Competitors
Key players in the Australia car finance market are Toyota Finance Australia Limited, National Australia Bank Limited, Australia and New Zealand Banking Group Limited, Commonwealth Bank, Nissan Finance, BMW Group, Hyundai Motor Company, Australia Pty Limited, Westpac, Dutton Group, and St George Bank.

Report Attribute Details
• Market Size 2023: USD 13,896.8 Million
• Market Size 2032: USD 17,845.7 Million
• CAGR (2024-2032): 3.1%
• Base Year: 2023
• Market Forecast Period: 2024-2032

Market Segmentation Insights
• By Finance Type: Direct Financing - 2.9%, Indirect Financing - 3.1%.
• By Vehicle Type: New Cars - 3.2%, Used Cars - 2.9%.
• By Loan Type: Secured Car Loans - 3.1%, Unsecured Car Loans - 2.5%.
• By Distribution Channel: Banks and Financial Institutions - 2.6%, Online Platforms and Marketplaces - 3.4%.

Table of Contents

105 Pages
1 Executive Summary
2 Market Introduction
2.1 Definition
2.2 Scope Of The Study
2.3 Research Objective
2.4 Market Structure
3 Research Methodology
3.1 Overview
3.2 Data Flow
3.2.1 Data Mining Process
3.3 Purchased Database:
3.4 Secondary Sources:
3.4.1 Secondary Research Data Flow:
3.5 Primary Research:
3.5.1 Primary Research Data Flow:
3.5.2 Primary Research: Number Of Interviews Conducted
3.6 Approaches For Market Size Estimation:
3.6.1 Revenue Analysis Approach
3.7 Data Forecasting
3.7.1 Data Forecasting Technique
3.8 Data Modeling
3.8.1 Microeconomic Factor Analysis:
3.8.2 Data Modeling:
3.9 Teams And Analyst Contribution
4 Market Dynamics
4.1 Introduction
4.2 Drivers
4.2.1 Increased Vehicle Sales
4.2.2 Flexible Financing Options
4.2.3 Rising Debts Owed To Various Borrowers
4.3 Restraints
4.3.1 Regulatory Challenges In Financing Industry
4.3.2 Lack Of Financial Literacy In The Market
4.3.3 Increased Use Of Ridesharing Services
4.4 Opportunity
4.4.1 Emerging Car Finance Markets
4.4.2 Growth Of Car Subscription Services
4.4.3 Integration Of Ai In Loan Approval Processes
4.5 Impact Analysis Of Covid-19
4.5.1 Impact On Overall Bfsi
4.5.2 Impact On Australia Car Finance Market
4.5.3 Impact On The Market Demand Of Australia Car Finance Market
4.5.4 Impact On The Pricing Of Australia Car Finance Market
5 Market Factor Analysis
5.1 Value Chain
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5.1.1 Manufacturers
5.1.2 Dealerships
5.1.3 Lenders
5.1.4 Insurance Providers
5.1.5 Regulatory Bodies
5.1.6 Technology Providers
5.1.7 Consumers
5.2 Porter’s Five Forces Model
5.2.1 Threat Of New Entrants
5.2.2 Bargaining Power Of Suppliers
5.2.3 Threat Of Substitutes
5.2.4 Bargaining Power Of Buyers
5.2.5 Intensity Of Rivalry
6 Australia Car Finance Market, By Finance Type
6.1 Overview
6.2 Direct Financing
6.3 Indirect Financing
6.4 Leasing Options
6.5 Personal Contract Purchase (Pcp)
6.6 Hire Purchase (Hp)
7 Australia Car Finance Market, By Vehicle Type
7.1 Introduction
7.2 New Cars
7.3 Used Cars
7.4 Commercial Vehicles
8 Australia Car Finance Market, By Loan Type
8.1 Introduction
8.2 Secured Car Loans
8.3 Unsecured Car Loans
9 Australia Car Finance Market, By Distribution Channel
9.1 Introduction
9.2 Banks And Financial Institutions
9.3 Online Platforms And Marketplaces
9.4 Car Dealerships
9.5 Credit Unions
10 Australia Car Finance Market, By End-users
10.1 Introduction
10.2 Individual Buyers
10.3 Businesses And Fleets
11 Competitive Landscape
11.1 Introduction
11.2 Company Market Share Analysis, 2023
11.3 Competitor Dashboard
11.4 Public Players Stock Summary
11.5 Comparative Analysis: Key Players Finanical
11.6 Key Developments & Growth Strategies
11.6.1 New Product Launch/ Development
11.6.2 Partnership
12 Company Profiles
12.1 Toyota Finance Australia Limited
12.1.1 Company Overview
12.1.2 Financial Overview
12.1.3 Products Offered
12.1.4 Key Developments
12.1.5 Swot Analysis
12.1.6 Key Strategies
12.2 Commonwealth Bank
12.2.1 Company Overview
12.2.2 Financial Overview
12.2.3 Products Offered
12.2.4 Key Developments
12.2.5 Swot Analysis
12.2.6 Key Strategies
12.3 National Australia Bank Limited
12.3.1 Company Overview
12.3.2 Financial Overview
12.3.3 Products Offered
12.3.4 Key Developments
12.3.5 Swot Analysis
12.3.6 Key Strategies
12.4 Australia And New Zealand Banking Group Limited
12.4.1 Company Overview
12.4.2 Financial Overview
12.4.3 Products Offered
12.4.4 Key Developments
12.4.5 Swot Analysis
12.4.6 Key Strategies
12.5 St George Bank
12.5.1 Company Overview
12.5.2 Financial Overview
12.5.3 Products Offered
12.5.4 Key Developments
12.5.5 Swot Analysis
12.5.6 Key Strategies
12.6 Westpac
12.6.1 Company Overview
12.6.2 Financial Overview
12.6.3 Products Offered
12.6.4 Key Developments
12.6.5 Swot Analysis
12.6.6 Key Strategies
12.7 Nissan Financial Services
12.7.1 Company Overview
12.7.2 Financial Overview
12.7.3 Products Offered
12.7.4 Key Developments
12.7.5 Swot Analysis
12.7.6 Key Strategies
12.8 Hyundai Motor Company, Australia Pty Limited
12.8.1 Company Overview
12.8.2 Financial Overview
12.8.3 Products Offered
12.8.4 Key Developments
12.8.5 Swot Analysis
12.8.6 Key Strategies
12.9 Bmw Group Australia
12.9.1 Company Overview
12.9.2 Financial Overview
12.9.3 Products Offered
12.9.4 Key Developments
12.9.5 Swot Analysis
12.9.6 Key Strategies
12.10 Dutton Financial Services
12.10.1 Company Overview
12.10.2 Financial Overview
12.10.3 Products Offered
12.10.4 Key Developments
12.10.5 Swot Analysis
12.10.6 Key Strategies
12.11 Data Citations
List Of Tables
Table 1 Qfd Modeling For Market Share Assessment
Table 2 Australia Car Finance Market, By Finance Type, 2018-2032 (Usd Million)
Table 3 Australia Car Finance Market, By Direct Financing, 2018-2032 (Usd Million)
Table 4 Australia Car Finance Market, By Indirect Financing, 2018-2032 (Usd Million)
Table 5 Australia Car Finance Market, By Leasing Options, 2018-2032 (Usd Million)
Table 6 Australia Car Finance Market, By Vehicle Type, 2018-2032 (Usd Million)
Table 7 Australia Car Finance Market, By Loan Type, 2018-2032 (Usd Million)
Table 8 Australia Car Finance Market, By Distribution Channel, 2018-2032 (Usd Million)
Table 9 Australia Car Finance Market, By End-users, 2018-2032 (Usd Million)
Table 10 Public Players Stock Summary
Table 11 Comparative Analysis: Key Players Finanical
Table 12 New Product Launch
Table 13 Partnership
Table 14 Toyota Finance Australia Limited: Products/ Solutions/ Services Offered
Table 15 Toyota Finance Australia Limited: Key Developments
Table 16 Commonwealth Bank: Products/ Solutions/ Services Offered
Table 17 Commonwealth Bank: Key Developments
Table 18 National Australia Bank Ltd: Products/ Solutions/ Services Offered
Table 19 National Australia Bank Ltd: Key Developments
Table 20 Australia And New Zealand Banking Group Limited : Products/ Solutions/ Services Offered
Table 21 St. George Bank: Products/ Solutions/ Services Offered
Table 22 Westpac Banking Corp: Products/ Solutions/ Services Offered
Table 23 Westpac Banking Corp: Key Developments
Table 24 Nissan Financial Services: Products/ Solutions/ Services Offered
Table 25 Nissan Financial Services: Key Developments
Table 26 Hyundai Motor Company Australia: Products/ Solutions/ Services Offered
Table 27 Bmw Group Australia: Products/ Solutions/ Services Offered
Table 28 Dutton Group: Products/ Solutions/ Services Offered
List Of Figures
Figure 1 Australia Car Finance Market: Structure
Figure 2 Australia Car Finance Market: Market Growth Factor Analysis (2018-2032)
Figure 3 Driver Impact Analysis (2022-2032)
Figure 4 Restraint Impact Analysis (2022-2032)
Figure 5 Opportunity Impact Forecast
Figure 1 Australia Car Finance Market: Value Chain
Figure 2 Porter's Five Forces Analysis Of Australia Car Finance Market
Figure 3 Australia Car Finance Market, By Finance Type, 2023 & 2032 (Usd Million)
Figure 4 Australia Car Finance Market, By Finance Type, 2023 (% Share)
Figure 5 Australia Car Finance Market, By Vehicle Type, 2023 & 2032 (Usd Million)
Figure 6 Australia Car Finance Market, By Vehicle Type, 2023 (% Share)
Figure 7 Australia Car Finance Market, By Loan Type, 2023 & 2032 (Usd Million)
Figure 8 Australia Car Finance Market, By Loan Type, 2023 (% Share)
Figure 9 Australia Car Finance Market, By Distribution Channel, 2023 & 2032 (Usd Million)
Figure 10 Australia Car Finance Market, By Distribution Channel, 2023 (% Share)
Figure 11 Australia Car Finance Market, By End-users, 2023 & 2032 (Usd Million)
Figure 12 Australia Car Finance Market, By End-users, 2023 (% Share)
Figure 13 Australia Car Finance Market Players: Competitive Analsis, 2023 (Usd Million) (% Share)
Figure 14 Competitor Dashboard: Australia Car Finance Market
Figure 15 Toyota Finance Australia Limited: Financial Overview
Figure 16 Toyota Finance Australia Limited: Swot Analysis
Figure 17 Commonwealth Bank: Financial Overview
Figure 18 Commonwealth Bank: Swot Analysis
Figure 19 National Australia Bank Ltd: Financial Overview
Figure 20 National Australia Bank Ltd: Swot Analysis
Figure 21 Australia And New Zealand Banking Group Limited Financial Overview
Figure 22 Australia And New Zealand Banking Group Limited: Swot Analysis
Figure 23 St. George Bank: Swot Analysis
Figure 24 Westpac Banking Corp: Financial Overview
Figure 25 Westpac Banking Corp: Swot Analysis
Figure 26 Nissan Financial Services: Financial Overview
Figure 27 Nissan Financial Services: Swot Analysis
Figure 28 Hyundai Motor Company Australia: Financial Overview
Figure 29 Hyundai Motor Company Australia: Swot Analysis
Figure 31 Bmw Group Australia: Swot Analysis
Figure 32 Dutton Group: Swot Analysis

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