Fixed Rate Car Loans
Enjoy competitive interest rates and useful loan features with a fixed rate car loan. Get the best deal on your car finance today!
Multi-award winning
Fixed Car Loan
New/Demo
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Discounted rates for Home Owners -
Demo vehicles acceptable up to 7500 kms^
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Balloon option available**
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Up to 7 year loan term
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Peace of mind with an unchanging repayment amount
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Get Preapproved to confidently secure your car financing
Top reasons to choose a fixed rate car loan
Fixed rate certainty
You’ll know exactly how much your repayments are, and for how long.
Easy online application
Apply in minutes with convenient document upload and quick approval.
Australian based
Our lending specialists are here to chat to you when you may need us.
Award winning
Our car loans are award winning, which could be a win for your budget too.
Why apply for a fixed rate car loan with loans.com.au?
Lock in a low rate for the entirety of your car loan with a fixed car loan! Easily budget for the future with predictable repayments. Make the most of car loan features like balloon payments and more. Find a loan tailored to fit your financial needs.
Getting the best deal on your car loan is easy when you apply with us! Our streamlined online process means you may receive approval within 24 hours of submitting your application and all the needed documents.
Getting started is simple
Fill out the online application (it takes only two minutes!) or speak to one of our car loan specialists who will take care of all the paperwork for you. Get car loan approval within 24 hours if you’ve submitted all the necessary documents and requirements.
Start saving sooner with loans.com.au, powered by one of Australia’s largest non-bank lenders.
A low rate car loan that looks just like this
Here’s your new offer
| Rates |
|
| Key Features | Flexible loans | |
| Approval within 24 hours | ||
| Borrow from $5,000 to $150,000 | ||
| Easy online process | ||
| Access your account via Smart Money app |
| Repayments | Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $168 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.59% p.a. paying fixed rate. |
| Fees |
Application fee |
$400 |
| Monthly fee | $8 | |
| Discharge fee | $0 | |
| Early termination fee | $700 in the first and second years of the loan term. $500 in subsequent years of the loan term (excluding final year). |
Fixed |
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| Fixed Car Loan - New/Demo^ | Interest Rate: 6.59% p.a.** |
| Comp Rate: 7.72% p.a.* |
| Fixed Car Loan - Green/Electric | Interest Rate: 6.09% p.a.** |
| Comp Rate: 7.22% p.a.* |
| Fixed Car Loan - Used < 3 years old | Interest Rate: 7.29% p.a.** |
| Comp Rate: 8.42% p.a.* |
| Fixed Car Loan - Used < 5 years old | Interest Rate: 7.39% p.a.** |
| Comp Rate: 8.52% p.a.* |
| Flexible loans | |
| Approval within 24 hours~ | |
| Borrow from $5,000 to $150,000 | |
| Easy online process | |
| Access your account via Smart Money app |
| Frequency | Weekly, monthly or fortnightly |
| Estimated repayments | $168 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.59% p.a. paying fixed rate. |
| Application fee | $400 |
| Monthly fee | $8 |
| Discharge fee | $0 |
| Early termination fee |
$700 in the first and second years of the loan term. $500 in subsequent years of the loan term (excluding final year). |
“I was updated along the track and it all turned out perfectly. I would certainly recommend loans.com.au to other car buyers.”
Sienna
Car loan customer
As seen on...
Fixed Car Loan FAQs
Konnie
Lending Specialist
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Finding a good fixed rate car loan
Fixed rate car loans are not all made the same. With so many lenders for car loans out there, getting car finance that fits your needs perfectly can be difficult. To make your fixed car finance search a breeze, we’ve compiled essential tips and tricks to help you find the best fixed rate car loan for you.
Can you refinance a fixed rate car loan to a variable loan?
If you don’t want to be at the mercy of rate changes, moving from a variable loan to a fixed rate car loan may be a good idea. With a car loan refinance, you can switch from your current loan to a finance solution that fits your current situation better.
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