Green car loan
Flexible finance options with competitive rates designed to make owning a greener vehicle easier.
Rates start from
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Approval within 24 hours~
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3 - 7 year loan terms available
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Borrow from $5,000 - $150,000
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Fixed or variable rates available
More reasons to choose our green car loan
Quick steps to your personalised rate
Apply anytime and from anywhere
Online convenience, local support
Smarter lending to support your eco-friendly ethos
Car Loan | Interest Rate from | Comparison Rate from | Product Features | Details |
---|---|---|---|---|
Variable
Variable Car Loan |
5.99 % p.a. to 15.89 % p.a. | 7.12 % p.a. to 17.01 % p.a. |
Flexible repayment options - choose weekly, fortnightly or monthly Unlimited additional repayments Redraw up to $5,000 per day |
Personalised Quote Now! Find out more |
Fixed
Fixed Car Loan |
6.54 % p.a. to 15.24 % p.a. | 7.67 % p.a. to 16.36 % p.a. |
Flexible repayment options - choose weekly, fortnightly or monthly Option of balloon payment** Unlimited additional repayments## |
Personalised Quote Now! Find out more |
Start now and take the next step towards your new car
Start nowGet a personalised rate and repayment estimate for your car loan by answering a few simple questions. Your rate is tailored to your credit score and the loan details you provide.
Won’t impact your credit score!
A car loan built for you
Rate type | Interest rate from ** | Comparison rate from* |
---|---|---|
Variable | 5.99% p.a to 15.89% p.a | 7.12% p.a to 17.01% p.a |
Fixed | 6.54% p.a to 15.24% p.a | 7.67% p.a to 16.36% p.a |
Available term | 3-7 years |
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Available for refinance or purchase | Yes |
Flexible repayment options | Weekly, fortnightly or monthly |
Vehicle types |
New & Demo Used Green/Electric |
Application fee | $400 |
---|---|
Monthly fee | $8 |
Discharge fee | $0 |
Early termination fee |
Variable $0 Fixed $700 in the first and second years of the loan term. $500 in subsequent years of the loan term (excluding final year). |
What happens once I get my quote?
Start nowWe give you a personalised quote and estimated repayments based on your credit score and the loan details you provide to us - without impacting your credit score.
Knowing your rate and repayments up front means you can shop with confidence, focus on the right vehicle, and move fast when you find the perfect one.
Your personalised quote is valid for 48 hours. We'll then give you a quick call to progress your application so that you can get behind the wheel sooner.
Free guides & reports
Your guide to buying a car
If you are looking at car finance to purchase your next car and have lots of questions, our guide contains our loan process, what documents you'll need, preapproval, tips and more.
Your guide to balloon payments
Our easy-to-follow guide explains how balloon payments work, what to expect at the end of your loan term, and how it might fit into your car finance plans.
Frequently asked questions
A rate quote is a personalised estimate of the interest rate and repayments you could expect on your car loan, based on the information you provide.
At loans.com.au, getting a rate quote is fast, free, and won’t affect your credit score. It’s a great way to understand your borrowing capacity and also gives you an idea of what your repayments could look like.
Get my personalised quoteA quote is a quick, personalised estimate of your car loan interest rate and repayments based on basic information you provide. It’s an obligation-free quote, doesn't impact your credit score, and helps you understand if you qualify for a car loan.
An application is a formal request for a loan. It involves providing more detailed information and supporting documents. Once submitted, your application goes through a full credit assessment.
Green cars are often very fuel efficient and often have lower running costs. At this stage, loans.com.au will only consider electric cars (i.e. Battery Electric Vehicles and Fuel Cell Electric Vehicles only) to be eligible for a green car loan. We do not currently offer green car loans for Hybrid Vehicles. Book a chat with one of our car lending specialists to check if your car qualifies for the green car loan.
Based on the loan information you provide to us, your green loan rate is personalised to you. We consider your credit score, financial history, and loan details to offer personalised rate.
You can book a chat with one of our car loan lending specialists. Based on the loan details you provide us, you’ll receive your personalised green rate and estimated repayments. This won't impact your credit score.
No. Getting your personalised rate is obligation-free and won’t impact your credit score. A full credit check is only done if you proceed with your application.
Your car lending specialist will confirm your details, answer questions, and guide you through the next steps or you can submit an application online.
Our car loan application process
Start with a quick quote
Find out what your personalised rate and estimated repayment could be.
Speak to your Specialist
Chat to your car lending specialists to find out your personalised rate and what you repayments will be.
Apply online
You can begin your application.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Approval & Signing
Review and sign your car loan documents and loan agreement via onTrack.
Settlement
After your car loan settles, the funds will be ready and paid directly to the seller.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Real-life customer stories

Gopal
Gopal
Meet Gopal, an awesome customer of ours who came to us when it was time to purchase a new car.
I had never owned a car before, but when my son arrived, I knew it was time to buy. After some shopping around, I found a new Toyota RAV-4 hybrid at a dealer and decided to buy it.
I walked out of the dealer and Googled other car lenders. loans.com.au came up and I saw they had a much better interest rate.

Sinisa
Sinisa
Meet Sinisa, an awesome customer of ours who came to us when he wanted to finance a new car purchase.
I like Toyotas and I own two. When it came time to replace one, I decided to buy a Toyota Corolla hybrid.
I did some research online and spoke to a number of different lenders on the phone. I decided that loans.com.au was the best option because of its great rate and other loan features. I applied online and then they called me on the phone and we took it from there

Sienna
Sienna
Meet Sienna, an awesome customer of ours who came to us when it was time to purchase a new car.
I had a Mazda 3 which I really liked but, with a new baby boy, I wanted something a bit bigger and safer. As a sales associate for a real estate agency, I’m out on the road a lot.
Once I knew what I wanted, I searched for a lender online and found loans.com.au straight away. I wanted to get pre-approved for the loan before I went in to the dealer to buy because I’m on maternity leave. I didn't want to get excited and look at a car and then have to say that I'm wasting everyone's time because I can't get finance! So, I filled out the loans.com.au pre-approval form online a few days before I planned to go in to the dealer, and a loans.com.au loan specialist called me within about 20 minutes.
Customer reviews
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Refer your friends or family to loans.com.au and earn big rewards!
When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!+
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Green Vehicle Loan articles
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.
Electric Car Rebates by State
Check out the electric vehicle rebates in your state or territory
The Rise of Electric Cars in Australia
In this article, we take a closer look at electric car trends, ownership, and incentives with data from the Australian Electric Vehicle Industry Recap 2023 by the Electric Vehicle Council.
Can you get a discount for buying an electric vehicle?
What is a green car?
Electric Cars & Hybrid Cars: What’s the difference?
Andrew
Lending Specialist
Have questions?
Talk to one of our lending specialists
Talk to one of our lending specialists
Our experienced car lending specialist, Andrew and his team can answer all your questions to get you on the road sooner with your personalised rate.
Find out your personalised rate and repayments
Won’t impact your credit score!