New Car Loans

Get the keys to your dream new car with these low rate car loans!

  • No ongoing fees
  • Balloon options to reduce repayments
  • No monthly or annual fees

What’s so good about our car loans?

We’ll help you get the keys to your dream new car sooner with our low rate fixed car loans.

We offer loans of 3, 4, or 5 years for new cars from a car dealership.

Our loans have no ongoing fees, and fixed rates so you know exactly how much your repayments will be over the entire term of the loan.

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.

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Talk to a car loan expert

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

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Ready to apply?

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

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.

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!

Interest rates

Product name

Car Loan**

Term

3 years

Interest rate p.a.

4.67%

5.22% comp rate*

Max balloon for new cars

50%

Max balloon for used cars

40%

Product name

 

Term

4 years

Interest rate p.a.

4.67%

5.22% comp rate*

Max balloon for new cars

40%

Max balloon for used cars

30%

Product name

 

Term

5 years

Interest rate p.a.

4.67%

5.22% comp rate*

Max balloon for new cars

30%

Max balloon for used cars

20%

Want to see more car loan options? Compare our car loans.

Top reasons to choose this loan

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No monthly or
ongoing fees

Save thousands over the course of your loan with zero recurring fees.

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Balloon payment
option

Reduce monthly repayments and afford a better car

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Approval within 24 hours~

Quick car loan approvals so you can get your keys sooner.

Calculate your car loan repayments.



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Ready to get started?

Our online loan application process

We make borrowing simple. Here’s how to get the keys to your dream car at a low rate in three easy steps.

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Apply online

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

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Goodbye paperwork!

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

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Settle & save

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

Frequently asked 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.
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.
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.
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At loans.com.au, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.

loans.com.au is completely safe and financially backed by Firstmac, Australia’s 13th largest lender. Firstmac has been operating successfully for more than 40 years, and has $13 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Customer Feedback

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July 12, 2021

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Questions? We can help

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Chat online right now

Send us a chat message with any questions you might have.

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Talk to a car loan expert

Our experienced loan specialists are here to help – just book a call to have all your questions answered.