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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 dealer new, used or demo, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your car is hybrid or electric! Read on to find out why our customers have trusted us with their car loan.

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Talk to a lending specialist

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

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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

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Green Car Loans

Save on your loan and save the environment. Get a 'green' car discount when you choose an eligible vehicle, such as a hybrid, 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. We also don’t charge any ongoing, monthly or annual fees.

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Used Car Loans

At loans.com.au we can help you drive away in your used car sooner. With low rates for both fixed and variable used car loans, you'll receive no ongoing, or monthly fees, helping you save even 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.

We're recognised & awarded by the Australian financial industry. View all awards

Green Car Loan image
Green Car Loan
  • 4.99%
    fixed rate p.a.**
  • 5.54%
    comparison rate p.a.*
SPECIAL OFFER

Get a ‘green car’ rate discount if your car qualifies!

Our Car Loan Interest Rates

Car Loan Type

Green - Hybrid or electric

Interest rate p.a.**

4.64%

4.99%

Comparison rate p.a.*

5.19%

5.54%

Rate Type

Variable

Fixed

Balloons available

No

Yes

Car Loan Type

New - Special^

Interest rate p.a.

4.74%

5.69%

Comparison rate p.a.

5.29%

6.24%

Rate Type

Variable

Fixed

Balloons available

No

Yes

Car Loan Type

New

Interest rate p.a.

5.34%

6.49%

Comparison rate p.a.

5.89%

7.04%

Rate Type

Variable

Fixed

Balloons available

No

Yes

Want to see more car loan options? Compare our car loans.

Why do people choose us?

loans.com.au is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.

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Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.

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Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.

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Flexible options

No matter what car you’re looking at, it’s likely we can help you. If you’re at the dealership, we can assist with anything from brand new cars to cars up to 12 years old. Plus, you can choose either a low rate variable or fixed loan, and a balloon payment may be optional.

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Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!

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Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.

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onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Read some of our real good feedback.

Our Google Rating

4.7

| 392 reviews

Kristy D.

July 26, 2022

Steve S.

July 06, 2022

Calculate your car loan repayments.

Estimate your monthly car loan repayments with our calculator below.

Estimated savings from repayments graph

Your estimated repayments are

$806.39
$45,000
$5,961
$50,961

Calculator assumptions

Save thousands on your car loan

Save the planet. Save thousands on your car loan.

4.99%
fixed rate p.a**
5.54%
comp rate p.a.*
0.7% discount on qualifying electric and hybrid cars
Approval within 24 hrs~
No ongoing fees, no discharge fee
FIND OUT MORE

Our process

loans.com.au makes refinancing simple so you start saving thousands on your investment property sooner. Here’s how.

Apply online Apply online

Application

Simply fill out your 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.


What you do

Complete a quick pre-qualification online to see if you qualify, or book an appointment at a time that suits you to speak with a home loan specialist.


What we do

Contact you at a time that works for you to discuss the information you provided or complete your application for you.

onTrack

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.


What you do

Log into onTrack
Upload supporting documents


What we do

Verify your information


Speak to specialist to get preliminary approval

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 home loan approval process through to settlement as quickly as possible.


What you do

Book an appointment


What we do

Notify you of your preliminary approval


Signing purchase document & loan document

Check onTrack to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement


What you do

Receive final approval & mortgage documents in onTrack
Complete mortgage documents & loan agreement, return to us


What we do

Call you to ensure everything is in order


Settlement

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream car!


What you do

Get the keys to your new car.
Start saving!


What we do

Once settlement is complete, we'll send you login credentials to Smart Money


Access your account

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


What you do

Log in to Smart Money
Manage your payments


What we do

Answer any questions you have


APPLY NOW

Common car loan questions

There are many benefits to going green when choosing your next car. Whether it be fewer carbon emissions, fewer trips to the petrol station or potential tax and rego benefits, it’s certainly worth considering a Green car.

Green cars are usually very fuel efficient and often have lower running costs. At this stage, loans.com.au will only consider hybrid and electric cars to be eligible for the green car discount. To check if your car qualifies for the Green Car discount, chat to us on Live Chat or 13 10 90.
A 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.

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

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.

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
1:26

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

 
Car Loans - Refinance
1:35
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Questions? We can help

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Chat online now

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

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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.