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
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.
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.
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.
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.
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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3.14%
variable rate p.a.** -
3.68%
comparison rate p.a.*
Our Car Loan Interest Rates
Car Loan Type
Green - Hybrid or electric
Interest rate p.a.**
3.14%
4.89%
Comparison rate p.a.*
3.68%
5.44%
Rate Type
Variable
Fixed
Balloons available
No
Yes
Car Loan Type
New - Special^
Interest rate p.a.
3.24%
5.09%
Comparison rate p.a.
3.78%
5.64%
Rate Type
Variable
Fixed
Balloons available
No
Yes
Car Loan Type
New
Interest rate p.a.
3.84%
5.59%
Comparison rate p.a.
4.38%
6.14%
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.
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
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.
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.
Read some of our real good feedback.
The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.
Lawrence I.
April 28, 2022
Friendly and efficient service
Seamless experience. Friendly and efficient service.
Garth W.
April 25, 2022
So easy and simple
The whole process from my initial phone enquiry to my loan being approved was so easy and simple. Ray was amazing. He put my nerves at ease and was able to give me sound financial advice. I would definitely recommend loans.com.au to my family and friends.
Melanie F.
April 22, 2022
Car Loan Calculator
If you've been considering buying a new car and need financing, our car loan calculator can tell you what your repayments will be, and how much you’ll pay over the life of your loan.
To use this calculator, all you need to do is enter how much the vehicle is estimated to cost and how much you want to borrow, any deposit or trade in value, and if you are opting for a balloon repayment. Then, you’ll see what your estimated monthly repayments will be.
Your estimated repayments are
Our process
loans.com.au makes refinancing simple so you start saving thousands on your investment property sooner. Here’s how.
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.
Contact you at a time that works for you to discuss the information you provided or complete your application for you
Contact you at a time that works for you to discuss the information you provided or complete your application for you
Goodbye paperwork!
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.
Log into onTrack
Upload supporting documents
Verify your information
Speak to a specialist
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.
Book an appointment
Notify you of your preliminary approval
Signing
Signing purchase document & loan document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement
Receive final approval & mortgage documents in onTrack
Complete mortgage documents & loan agreement, return to us
Call you to ensure everything is in order
Settle & Save
Settlement
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
Get the keys to your new home
Start saving!
Once settlement is complete, we'll send you login credentials to Smart Money
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.
Log in to Smart Money
Manage your payments
Answer any questions you have
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.
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.
Are you ready to pay your loan off sooner and own your own car? Here’s how you can.
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.
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.
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.