Buying a personal car

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.~

Calculate your car loan repayments



Loading Calculator
$
{{errors.loanAmount}}
$
{{errors.vehiclePurchasePrice}}

{{workbookData.initialDeposit}}

{{errors.loanTerm}}
%
{{errors.interestRate}}
%
{{errors.balloonAmount}}
Monthly Fortnightly Weekly
{{errors.repaymentFrequency}}
{{errors.repaymentFrequency}}

Your estimated repayments are

$ {{workbookData.repaymentPerMonth}} monthly f/nightly weekly

Ready to get started?

VIEW PRODUCTS
Calculator Assumptions

Get started

Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.

call-icon

Talk to a car loan expert

Book a time that suits you to chat with a lending specialist.

BOOK NOW
apply-icon

Ready to apply?

Call us on 13 10 90, or simply start your application online.

APPLY NOW
SPECIAL OFFER

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.

VIEW TERMS AND CONDITIONS
Green Car Loan
  • 3.97%
    fixed rate p.a.^
  • 4.51%
    comparison rate p.a.*
SPECIAL OFFER

Get a ‘green car’ rate discount if your car qualifies!

VIEW GREEN CAR LOAN

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.

super-low-interest-rates-icon

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.

experienced-brisbane-based-loan-specialists-icon

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-home-loans-icon

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.

super-low-interest-rates-icon

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!

experienced-brisbane-based-loan-specialists-icon

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.

flexible-home-loans-icon

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.

HOW IT WORKS

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.

process-icon

Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.

process-icon

Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.

process-icon

Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

CAR LOAN PROCESS

Common car loan questions

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.
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.
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.
A balloon payment is a one-off lump sum that you agree to pay your lender at the end of your car loan’s term.

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.
Green cars are usually very fuel efficient and often have lower running costs. At this stage, loans.com.au will only consider hybrid and electric cars to be eligible for the green car discount. To check if your car qualifies for the Green Car discount, chat to us on Live Chat or 13 10 90.
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.

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.

hub-guides-img
special-offer-img
BUYING

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.

BUYING A CAR GUIDE
 
Car Loans - Purchase
1:17
 
Car Loans - Refinance
1:07
 
Comparison rate
1:11
Buying a new car checklist
Buying car
Buying a new car checklist

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.

Things to consider before buying a used car
Buying car
Things to consider before buying a used car

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.

Tips for buying a car at sales time
Buying car
Tips for buying a car at sales time

Follow our car buying advice and tips and you’ll end up with a great deal on your car purchase during sales time.

Smart ways to finance a car
Buying car
Smart ways to finance a car

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.

Benefits of low interest car loans
Buying car
Benefits of low interest car loans

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.

How to reduce your car loan repayments
Buying car
How to reduce your car loan repayments

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.

View more articles

Questions? We can help

chat-icon

Chat online now

Send us a Live Chat with any car loan questions you have and we’ll respond straight away.

CHAT NOW
chat-icon

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.

BOOK NOW