Car loans
Buying personal car
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$5,000 is our minimum lending limit for a car loan
$100,000 is our maximum lending limit for a personal car loan
$150,000 is our maximum lending limit for a business car loan
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5 years
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4 years
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3 years
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At loans.com.au, our mission is to do everything possible to make it easier to drive away from the car dealership in your new car sooner. Our online application makes it easy to get a car loan approved within 24 hours.

We offer super-low fixed rates giving you the extra security of a repayment that doesn’t change over the life of the loan.

You even have the chance to win a $1,000 fuel gift voucher. Open to customers who settle a car loan with us. Terms and conditions apply.

If you care about the environment and saving money, why not use one of our discounted Green Car Loans to buy an environmentally-friendly car?

If you buy a qualifying low-polluting car, you will receive a 0.70% discount off our already-low interest rates!

Green car loans are available for both new and demonstration vehicles.

To find out if the car you want is on the approved list, just call 13 10 90 and speak with one of our car lending experts.

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Buying a Car Articles and Guides

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.

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We know that everyone’s circumstances are different, so we also offer a handy “balloon” payment option.

This option allows you to have lower monthly payments, and then a larger payment at the end of the loan term called a balloon payment. This final payment typically totals 20-50% of the loan value.

The advantages of a balloon are:

  • It may help you afford a better car because of the lower repayments

  • You can trade in your vehicle at the end of the loan and use the money from the sale to repay the balloon. Many people estimate what their car will be worth at the end of the loan period, and nominate that amount as the balloon payment.

Balloon Payment Periods

  • Term
  • 3 years
  • 4 years
  • 5 years
  • Max Balloon
  • 50%
  • 40%
  • 30%
  • Term
  • 3 years
  • 4 years
  • 5 years
  • Max Balloon
  • 40%
  • 30%
  • 20%

Buying a Car Articles

Want to find out how long it could take to pay off that car? Our Car Loan Calculator will help you to get an idea of what your car loan repayments are likely to be and what you may pay in fees and interest.

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