Compare car loans and find the right option for you
Get a quick quote with your personalised rate and repayments with no impact on your credit score.
Car loans from
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Approval within 24 hours~ -
3 - 7 year loan terms available
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Borrow from $10,000 - $150,000
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New/demo & used vehicles accepted
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Fixed or variable rates available
Ready to take the next step towards car ownership?
- Find out your personalised rate & repayment estimate
- Tell us if you want a new, demo, or used car, including EVs, from a dealership or private seller
- Your rate is tailored to your credit score, personal circumstances and loan details
Won’t impact your credit score!
Frequently asked questions
A rate quote is a personalised estimate of the interest rate and repayments you could expect on your car loan, based on the information you provide.
At loans.com.au, getting a rate quote is fast, free, and won’t affect your credit score. It’s a great way to understand your borrowing capacity and also gives you an idea of what your repayments could look like.
Get my personalised quoteA quote is a quick, personalised estimate of your car loan interest rate and repayments based on basic information you provide. It’s an obligation-free quote, doesn't impact your credit score, and helps you understand if you qualify for a car loan.
An application is a formal request for a loan. It involves providing more detailed information and supporting documents. Once submitted, your application goes through a full credit assessment.
You can apply online or book a chat with one of our car lending specialists who can guide you through our process or answer any questions you may have.
At loans.com.au, we offer car loans from either 3 to 7 years.
The amount you can borrow depends on your income, expenses, credit profile, and the cost of the vehicle. You can use our calculators to understand your borrowing capacity and what your repayments could be.
You certainly can! A balloon payment is a one-off lump sum that you might agree to pay your lender at the end of your car loan term.
This one-off final payment will account for a large proportion of your car loan so your regular car loan repayments can be reduced as a result.
It’s important to note - the balloon repayment option is only available if you get a fixed car loan, and will not be available for the variable car loan.
Dealership finance is a loan offered by car dealerships with the enticement of being able to drive away in your new car sooner. Car loan rates from the dealership can often be higher than if you'd arranged your finance with a lender beforehand, and online lenders like loans.com.au can often offer lower rates than traditional lenders. Dealership finance almost always requires a balloon payment at the end of the finance period. Financing is also often restricted to new vehicles, whereas car loan lenders approve new and used cars.
What happens once I get my personalised quote?
Start now- Your personalised quote is valid for 48 hours.
- Book a call with our lending specialist if you’d like to progress with your application and lock in your quote.
- When you submit your application, a full credit check is completed to confirm your eligibility.
- Once your application is approved, you’re all set to get behind the wheel sooner.
Our car loan application process
Start with a quick quote
Find out what your personalised rate and estimated repayment could be.
Speak to your Specialist
Once you receive your quote, it's valid for 48 hours. Chat to your car lending specialist to progress your apllication and lock in your quote.
Apply online
Upload your documents and monitor your application in real time via our onTrack portal. Once approved, you can review and sign your car loan documents and loan agreement via onTrack.
Settle & manage your loan
After your car loan settles, the funds will be ready and paid directly to the seller. You'll receive your login details to manage your repayments and account details via our Smart Money app.
Why car buyers are choosing loans.com.au?
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Apply anytime, from anywhere with approval within 24 hours~
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Customer reviews
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Free guides & reports
Your guide to buying a car
If you are looking at car finance to purchase your next car and have lots of questions, our guide contains our loan process, what documents you'll need, preapproval, tips and more.
Your guide to balloon payments
Our easy-to-follow guide explains how balloon payments work, what to expect at the end of your loan term, and how it might fit into your car finance plans.
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
Choose a car loan that’s right for you
Are you ready to pay off your car loan sooner?
Enjoy competitive interest rates and useful loan features
Save with our market-first variable rate car loans.
Ready for a new car? We can help
Buying pre-owned? We've got you covered
What should you look for in a car loan?
If you’re new to the world of car finance, we’ve compiled a quick list of what you need to keep an eye out for when searching for the best car loan.
Guide to Buying a New Car
Buying a new car is an exciting yet daunting process, we’ve created this new car buying guide to help you. Get on the road sooner with these helpful tips for buying a new car:
How to save for a new car
If you wish to own a new car, saving up for it requires discipline. While it can be quite a challenge to get, here are seven money saving tips to reach your goal.
Andrew
Lending Specialist
Still have questions?
Talk to one of our lending specialists
Talk to one of our lending specialists
Our experienced car lending specialist, Andrew and his team can answer all your questions to get you on the road sooner with your personalised rate.