Need a real good car loan?
Make it easy for you to get your car loan approved in less than 24 hours~ so you can start saving and drive away sooner.
Our car loan interest rates
| Car Loan | Interest Rate | Comparison Rate | Weekly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable Car Loan - Green/ElectricLoan terms from 3 to 7 years |
5.84% p.a. | 6.97% p.a. | $163 |
|
Get started |
Variable Car Loan - New/DemoLoan terms from 3 to 7 years |
5.99% p.a. | 7.12% p.a. | $164 |
|
Get started |
Real-life customer stories
Sienna
As seen on...
Our car loan application process
Application
Simply fill out your car loan 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.
Goodbye paperwork
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.
Speak to specialist
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 car loan approval process through to settlement as quickly as possible.
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.
Settlement
Your loan will settle so you can make payment to the dealer or private seller. You'll start saving with your new low rate, and get your keys to your dream car!
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
Frequently asked questions
If added to your loans.com.au car loan, a balloon payment is a one-off lump sum that you have agreed to pay us, at the end of your car loan term.
This one-off final payment will account for a large proportion of your car loan so that your regular car loan repayments can be reduced each month, as a result.
It’s important to note - the balloon repayment option is only available if you get a fixed rate car loan , and will not be available for the variable car loan.
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.
A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.
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 so you can collect your car.
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.
Meet the team behind Australia's Home of Loans
We have been making it easier for Aussies to access great value home and car loans with our award-winning rates, fast approval and seamless digital experience.
Electric Cars vs Petrol Cars: Cost Breakdown
Here we’ll break down the cost-based factors for both electric and petrol cars to help you decide which is right for you.
How to Choose Your First EV
There are important things you need to keep in mind when buying an electric car. Here are a few things to consider when choosing an electric car:
Debunking Electric Car Myths
Electric cars have become a staple on Australian roads. Ever since their introduction to the market, electric vehicles (Evs) have continued to grow and become even more popular among Aussie drivers. But some are still on the fence about going electric.
Electric Car Rebates by State
Can you refinance a fixed rate car loan to a variable loan?
Finding a good fixed rate car loan
What is the best fixed rate car loan?
Fixed Rate Car Loans: Weighing the pros and cons
Is a fixed rate car loan right for you?
The Rise of Electric Cars in Australia
Can you get a discount for buying an electric vehicle?
Car Loan Refinance: Is it right for you?
Welcome to loans.com.au _
Just in case we lose you, may I ask for your contact details....