Fixed rate car loan
Lock in a competitive rate and enjoy predictable repayments for your car finance.
Rates start from
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Approval within 24 hours~ -
3 - 7 year loan terms available
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Borrow from $5,000 - $150,000
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New/demo, used & green/electric vehicles accepted
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Balloon option available**
More reasons to choose a fixed rate car loan with us
Quick steps to your personalised rate
Apply anytime and from anywhere
Online convenience, local support
Peace of mind with competitive fixed rate
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
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.
A car loan where the interest rate stays the same throughout the loan term is called a fixed rate car loan. With this type of loan, you pay a set amount every repayment period for the whole duration of the loan.
A variable interest rate changes frequently, meaning loan repayments can increase and decrease each payment. A fixed interest rate remains the same for the entire loan term, meaning repayments will always be the same.
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 fixed 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.
Derek
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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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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.
What is the best fixed rate car loan?
Everything starts by finding a good car loan that meets your needs. When shopping for a fixed interest rate car loan, here are some of your secured finance options from loans.com.au
Fixed Rate Car Loans: Weighing the pros and cons
Is a fixed rate car loan right for you?
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.