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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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3.97%
fixed rate p.a.^ -
4.51%
comparison rate p.a.*
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).
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.
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.
Customer feedback
The process was thorough but quick and painless
I just picked up my new car after organising finance through loans.com.au. My contact people through the whole process were unreal. Debra really made sure I knew what was going on and was really sincere in getting the loan through. Mason was always easy to contact and got everything processed super quickly. The process was thorough but quick and painless with their app for uploading docs. The interest rate was great and did not change halfway through the application as I have seen with other companies.
Chris H.
July 12, 2021
loans.com is definitely the best provider I have ever dealt with
Right from the start of application through to settlement, it was a very smooth and easy process, not to mention how quick it all was as well. Loans.com is definitely the best provider I have ever dealt with, and I have absolutely no hesitation in recommending them to anyone looking for the best rate home loans in Australia. Thank you team.
Jovin S.
July 09, 2021
Lani has made my experience of loans.com.au a very positive one
Lani has been a pleasure to deal with over a quite lengthy period whilst I was looking for the right home. She has been helpful, optimistic, professional, and responsive. She has made my experience of loans.com.au a very positive one.
Jamie W.
July 09, 2021
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.
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.
Enjoy the savings over your loan's repayment term by getting approval on a low interest rate loan. Find out how loans.com.au can help you.
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.