Important disclosure

Uber Loans

Personal loans for Uber drivers can help you gain a profitable foothold in the Australian gig economy. Compare different credit scenarios below and use our calculator to pick up the best repayment for your budget and needs.

Calculate your repayments

Loan Amount

$10,000

Term

3 months

OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
MoneyPlace

Unsecured Personal Loan - Fixed (Excellent credit)

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Our loans are better because we understand you better. A range of personal loans, for all the right reasons.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
NRMA

NRMA New Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
7.29%
Advert. Rate (p.a)
Comparison rate
There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
MoneyPlace

Secured Personal Loan - Fixed (Excellent credit)

EST Monthly Repayment
EST Monthly Repayment
6.66%
Advert. Rate (p.a)
Comparison rate
Secure your personal loan with a vehicle you own as security to access a lower rate, a higher lending limit, or both.
NRMA

NRMA Used Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
NRMA used car loans can help you get one step closer to owning your dream pre-loved car.
NRMA

Personal Loan (Secured) (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
10.49%
Advert. Rate (p.a)
Comparison rate
Whether you require funds for elective surgery, a wedding or looking to give your home a makeover, the NRMA can help you achieve your goals with a competitive personal loan.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
An award-winning, low interest personal loan with no ongoing fees. Get your rate in 60 seconds and bring your big ideas to life today.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
MoneyPlace

Secured Personal Loan - Fixed (Good credit)

EST Monthly Repayment
EST Monthly Repayment
10.57%
Advert. Rate (p.a)
Comparison rate
Secure your personal loan with a vehicle you own as security to access a lower rate, a higher lending limit, or both.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
MoneyPlace

Unsecured Personal Loan - Fixed (Good credit)

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Our loans are better because we understand you better. A range of personal loans, for all the right reasons.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Personal loans for Uber drivers – Buy a car to drive & earn

Do you need to finance a car to drive for Uber? Whether you’re a full-time or part-time contractor, our quick guide on personal loans for Uber drivers will help get your hustle smoothly on the road.

How do personal loans for Uber drivers work?

Uber and its popular ride-sharing app connect you to riders in need of transport and your driving skills. Similarly, a personal loan also provides the extra cash that links you up with a new or used car suitable for this business.

Therefore, you’ll be able to earn some bucks by moving people or delivering products whenever you please. This is also while paying off the car at a relatively slow and steady pace.

Most personal loans are unsecured, allowing you to borrow as much as $50,000 without providing collateral. The loan’s life can extend up to 7 years, though longer periods tend to multiply payable interest.

Unfortunately, starting from 2017, Uber cut its losses by axing its financing and leasing programs. However, this may not be much of a loss since personal loans from banks, credit unions, and P2P lenders generally offer lower interest rates.

What other Uber car finance options are available?

Besides personal loans, the following finance types can also help you get behind the wheel for an Uber gig:

  • Standard car loans. These are mostly secured, which means the funds are tethered to your car or another asset you own. Secured car loans will result in repossession if you default. However, they tend to offer the best rates in the car finance space.
  • Uber Marketplace. Although they no longer offer finance, the company does work with affiliates. You can find several financing, leasing, and rental options by visiting the Uber Marketplace. However, these affiliates are only endorsed in select Australian cities.
  • Bad credit car loans. If your credit score is in the red, you can still apply for bad credit personal loans, or car loans.

How do I get the best deal?

Becoming an Uber partner should ideally offer a viable income stream and flexible options. Finding a loan that’s low on borrowing costs and high on flexibility also helps magnify the gig’s appeal. Therefore, when comparing loans, it pays to search out the following:

  • Low interest rates and fees. Interest rates can be fixed or variable, while fees can be upfront or ongoing.
  • Flexible loan terms. Can you get a deal that best suits your needs? This covers everything from repayment periods and schedules to extra repayments and fewer vehicle restrictions.
  • Bonus features. Some loans include discounts, car insurance, redraw facilities, and other handy features.

Requirements for Uber cars

Uber vehicle requirements vary from city to city, but generally, your car will need to:

  • Be in excellent working condition (no rebuilt or salvaged vehicles)
  • Have four doors
  • Pass the age-limit test and Uber inspection
  • Have no branding, missing pieces, or cosmetic damage
  • Meet other requirements specific to the chosen Uber vehicle option or city of operation

Requirements for drivers

  • Uber requirements state that you must be over the age of 21 with a valid licence. Additionally, all partners must have suitable insurance.
  • Australian lenders generally require that you be an Australian citizen with a good credit score and sufficient income. You may have to provide documents such as payslips, bank statements, and a driver’s licence to support this.

Personal loans for Uber drivers FAQ

How do I apply for a car loan online?

First, scroll up to our comparison table at the top of the page. Then click “Go to Site” for the option you want to start the application process.

Can I get finance if I’m a new Uber driver?

Loans for the unemployed are generally hard to come by. Therefore, if you’re unable to use Uber as a source of income, you’ll need another income stream to apply.

Where can I find Uber car loans?

Uber partners include Splend and SocietyOne but keep in mind these options are limited to only a few cities including:

    – Adelaide
    – Brisbane
    – Melbourne
    – Sydney
    – Newcastle
    – Perth

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