Cars over 7 years of age are classed as "Second hand" by the bank. You will only be able to get a personal loan for one over that age.
7 years or less you can get a "car loan" but this means that your car is tied to the finance or "encumbered" and if you decide to sell your car before your loan is paid out, you have to finish your loan first or get permission from the bank / financier stating that they no longer have any interest in your vehicle...
