Our car loans

Car Loan Interest Rate Comparison Rate Weekly Repayment Product Features Details

Green / Electric Car Loan

6.09 %   p.a. 7.21 %   p.a. $165
  • Discounted rate on qualifying electric cars
  • Redraw up to $5,000 per day
  • Up to 7 years loan term+
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New / Demo - Special

6.24 %   p.a. 7.36 %   p.a. $166
  • Demo vehicles acceptable up to 5000kms
  • Redraw up to $5,000 per day
  • Up to 7 years loan term
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#Based on the dollar value in the search field with P&I repayments based on a 7-year loan term, not including monthly fee and balloon payment.
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Our car loan products are recognised & awarded by the Australian financial industry. View all awards

Get a low interest rate car loan today

Buying a car is an exciting purchase - whether it’s buying your first car to learn to drive in, your first new car after having the same vehicle a number of years or upsizing for your family. We’re here to help you get your finance sorted so you can get the keys to your car in no time.

Whether you’re buying new, used, or demo; from a dealership or privately, we’re here to assist. We’ll even offer a ‘green’ discount if your car is electric! Read on to find out why our customers have trusted us with their car loan.


Talk to a lending specialist

Book a time that suits you to chat with a car lending specialist.


Get pre-approval so you can shop with confidence

Call us on 13 10 90 or simply start your online application.

Whatever type of car loan you're after, we can help


Green Car Loans

Save on your loan and save the environment. Get a 'green' car discount when you choose an eligible electric vehicle which has significantly lower emissions than a similar sized petrol car.

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New Car Loans

We can help you get the keys to your dream car sooner with our low rate fixed and variable loans for new cars.

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Used Car Loans

At we can help you drive away in your used car sooner. With low rates for both fixed and variable used car loans helping you save ever more on your vehicle.

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Refinancing Car Loans

Sick of paying too much on your existing car loan? We're here to help. We make refinancing your car loan easy. Get approved in minutes and get to settlement in a few simple steps so you can start saving, sooner.

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Electric Car Loans

Get in your electric car faster, and at a lower rate. We offer a special discount specifically for EVs to encourage you to be more environmentally conscious and be rewarded for it.

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New / Demo - Special image

Our super-low car loans make it easier to drive away in your dream car sooner.

Why choose

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Whether you’re looking to buy new or used at a dealership, or purchase a used car privately, we are sure we have a car loan that can assist you.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

Looking for a new Car?

Source your new Car through OnlineAuto, finance it with and get rewarded!

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Calculate your car loan repayments.

Estimate your monthly car loan repayments with our calculator below.

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Save thousands on your car loan

Fasten your seatbelts and get the keys to your dream car.

variable rate p.a**
comp rate p.a.*
Discounted rate on qualifying electric cars
Approval within 24 hrs~
Flexible loan terms

Join our other customers

Very helpful with clear communication and quick responses

Ray and Jordan at have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to

My experience in getting a loan from has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024


Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Our car loan application process



Simply fill out your car loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

Speak to specialist

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.

Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.



Your loan will settle so you can make payment to the dealer or private seller. You'll start saving with your new low rate, and get your keys to your dream car!

Access your account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

Frequently asked questions

balloon payment is a one-off lump sum that you might agree to pay your lender at the end of your car loan’s 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.

You could get pre-approval on your car loan in around 30 minutes, and we can have the loan settled in 2-4 business days, pending all the lending criteria is met.

A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.

In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. may then approve your loans, issue the documents and you settle, and we then pay the funds so you can collect your car.

You can save yourself a lot of time and heartache if you get pre-approval for a loan before negotiating for a car. Also known as preliminary approval, pre-approval is an offer from us to lend you an agreed amount, subject to full approval. Pre-approval remains valid for 60 days. To gain full approval, you'll need to supply more supporting documents and updated information.

How it works

Whether you’re looking for the car of your dreams at a low rate or simply want to stop paying too much on your existing car loan, we’re here to make it easy for you.

Here’s the step-by-step process on how you can get a car loan to buy your dream car.

Car Loans - Purchase

Are you ready to pay your loan off sooner and own your own car? Here’s how you can.

Car Loans - Refinance

Guide to buying a car

Most people have questions as they start on the car buying journey, so we have pulled together some articles to help you.

From tips on how the car loan process works, to information on buying a car, you can find it here.

Car Loan Guides

How to buy a car from a private seller

Buying a car privately, or from a private seller, offers great perks like better prices, a larger range of options, and more room to negotiate. If you’ve found your perfect car but it’s being sold privately, don’t fret! Here’s how to buy a used car privately.

Guide to Refinancing Your Car Loan


Guide to Buying a New Car


Guide to Buying a Used Car


Buying an Electric Car


How to get car loan pre-approval

Car loan pre-approval

Electric Car Batteries Explained


How much can electric cars really save you?


How does car depreciation work?

Show more

Questions? We can help


Chat online now

Send us a Live Chat with any car loan questions you have and we’ll respond straight away.


Talk to a car lending specialist

Our experienced team of car lending specialists are here to help you. Book an appointment and we can answer any questions you have.

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