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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4.99%
fixed rate p.a.** -
5.54%
comparison rate p.a.*
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.
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.
Our Google Rating
“ From getting pre-approval to settlement, the team were easy to deal with
From getting pre-approval to settlement, the team were easy to deal with and submitting documentation through the portal was an easy process. Ray the lending manager was extremely helpful - I'm a first home buyer and he was able to explain things clearly to me along the way, which is what I needed. Finance was done super quickly as well. Highly recommend loans.com.au.„
Kristy D.
July 26, 2022
“ Whole process is easy and stress free
From the initial phone call Ray was professional and very helpful. He went through all options and made the whole process easy and stress free. Have already recommended him and loans.com.au to family & friends.„
Steve S.
July 06, 2022
Calculate your car loan repayments.
Estimate your monthly car loan repayments with our calculator below.
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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.
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.
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 receive 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 car!
Get the keys to your new car.
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.
Having pre-approval for a car loan could put you in the fast lane and save you a lot of money. Learn about the pre-approval process and how to get pre-approved here.
While applying for a car loan can be tricky, it’s still possible to get your first car loan approved with these six valuable tips.
For a smooth car loan application, you will need to provide us with a range of documents that prove you’re a reliable borrower. View our requirements here.
When you’re buying a new car, don’t just look at the price tag. Owning a car comes with a lot of extra (often expensive) costs that you need to consider too. Here are the running costs of a car.
You probably know loans.com.au has a green car loan, but what you might not know is that some popular petrol and diesel car models qualify for the special discounted interest rate.
If you follow some simple steps, our friendly car lending specialists at loans.com.au can approve you for a car loan in under 4 days.
Car recalls have been in the news lately with big brands including Mazda, Jeep and Dodge recalling thousands of vehicles due to safety concerns. Here’s how to make sure you don’t get caught out.
Find out about the potential benefits of a car loan deposit and if you need one with loans.com.au.
Financing a car doesn't have to be complicated. Find out how car financing works, the best way you can finance a car and how to get a car loan with us.
Here’s how you can find the right car for you, budget appropriately and get the right finance on your vehicle.
Every month the Federal Chamber of Automotive Industries (FCAI) releases data on which cars and models sell the most. In years past it’s usually been a mix of Holdens, Fords, and other large sedans.
If you’re buying a lightly used car, up to around three years old, it can be confusing as to which is the better option - a private sale or heading to a dealership.
Buying a new car can be both exciting and stressful. Here is dealer financing, versus car loans, compared with loans.com.au.
From Apple Carplay to autonomous emergency braking, here are the most popular car features Aussie motorists love, and what to look out for in a new car purchase.
Many dealers remain open to selling vehicles through virtual showrooms and contactless sales, so could now be the time to shop for a new car?
Whether your car is five, ten or twenty years old, it’s not uncommon to wonder when it’s time to sell and consider finding something newer.
A car loan is a great way to buy a car affordably, but it's a bit tricky to sell if you haven’t fully paid off the loan. If you decide to sell your car, you need to know what happens if it is still under finance.
Whether it be a new job opportunity overseas, or simply being unable to afford the cost of maintaining finance, you may be wondering about the possibility of transferring your car loan to another person.
Fuel is one of the overall running cost considerations when buying a car. Here we compare cheap cars to run from Suzuki, Toyota, Hyundai and more with loans.com.au.
The loans.com.au team are here to count down the 5 most affordable sports cars you should keep an eye out for this year.
No one wants to purchase a vehicle that is a nightmare reliability-wise from day one. You want a car you know can start up first time every time in the morning, and create little fuss or anxiety.
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.