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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.
Whatever type of car loan you're after, we can help
Green Car Loans
We care about the environment, and we want you to care too. That's why we want to reward you for going green. Our green car loan will save you more with a discounted loan rate for qualifying electric and hybrid cars, and no ongoing, monthly or annual fees.
New Car Loans
We can help you get the keys to your dream car sooner with our low rate new car loans. There won't be any surprises because you'll always know exactly how much you'll be paying with our fixed rates and zero ongoing, or monthly fees.
Used Car Loans
At loans.com.au we can help you drive away in your used car sooner. With our fixed low rate used car loans, you'll receive no ongoing, or monthly fees, helping you save even more on your vehicle.
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.
Get ahead with $1000 in fuel! All you have to do is settle a car loan with us and you’re in the running to win. T&Cs apply.
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3.29%
fixed rate p.a.** -
3.83%
comparison rate p.a.*
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.
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.
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.
Flexible options
We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. Plus, our car loans have different fixed terms and the option for balloon payment.
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!
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.
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.
Our car loan process
We make borrowing simple. Here’s how to get the keys to your dream car at a low rate in three easy steps.
Apply online
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Goodbye paperwork!
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Common car loan questions
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.
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.
Are you ready to pay your loan off sooner and own your own car? Here’s how you can.
Customer feedback
Always a great experience
Always a great experience. A huge thank you to Ray who does such an amazing job, his knowledge, care and customer service skills are second to none!
Julie S.
October 26, 2021
We had a great end to end experience
Please send our thanks to Ray he was very informative, friendly and clearly cares about his customers. We had a great end to end experience and quick turnaround and kept informed! Highly recommend 😊
Nicki P.
October 21, 2021
They were always available to provide quick answers to questions
The application process was straightforward as long as you could provide the required information without much hassle. They were always available to provide quick answers to questions and in a friendly manner. The organisation is located within Australia. Once we learnt the secure way of uploading information, the system worked extremely well. This company has very low interest rates and worked quickly to met our tight settlement deadline. Would recommend to anyone wanting a home loan.
Brian A.
October 13, 2021
Car loan calculator
Estimate your car loan repayments below.
Use our car loan calculator as a general guide on what your car loan repayments will look like.
This calculator will also tell you how much you may pay in total over the life of your loan. To use this calculator, simply enter your estimated vehicle value, loan term, any initial deposit, and the amount of any balloon payment (a lump sum payment payable at the end of the loan).
Useful Resources
We’ve put together handy guides for everything you need to know when it comes to taking out a car loan, so all the information is here in one place.
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.
A car is a big purchase and not one you want to rush into so we’ve prepared this checklist to help you get the right car at the right price.
Buying a used car can save you thousands of dollars, but there is a risk that you might buy a lemon. Here some of the things to consider before you buy.
Follow our car buying advice and tips and you’ll end up with a great deal on your car purchase during sales time.
Apart from a house, a car is one of the most expensive things you can buy, so figuring out financing is one of the first steps towards buying a car.
Getting your own set of wheels is a very rewarding experience. But even so, a high monthly car payment can be a burden to your wallet. Here are ways to cut your repayments.
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.