What’s so good about our new car loans?
Buying a new car is such an exciting time, so we’re here to help with finance so your purchase is as seamless as possible.
If you’ve been to the dealer and found the right car for you, you can apply online in under 2 minutes for new car financing. Chat to us, get approved, get the keys and drive away sooner. It’s that easy!
We can assist with car loans for dealer new and used cars for vehicles 5 years old or younger for a low rate.
Apply online for your New Car Loan today. Or, chat to one of our friendly lending specialists and they can can do the hard work for you, managing your application quickly and easily over the phone.
Either way, we’re here to help settle your loan quickly so you can get the keys to your brand new car sooner.
Our Car Loan Interest Rates
Car Loan Type
Green - Hybrid or electric
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Car Loan Type
New - Special^
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Want to see more car loan options? Compare our car loans.
Top reasons to choose this loan
No monthly, ongoing
or annual fees
Once you’ve paid off your car loan, congrats! We won’t charge you a nasty discharge fee. Enjoy your dream car!
Get the option to choose to reduce your regular payment amounts if you opt for balloon payment. This is available for our fixed car loans only.
Approval within 24 hours~
No one wants to wait around for an answer. We’ll be sure to let you know in 24 hours if your used car loan is approved, so you can get the keys to your car sooner.
New Car Loan FAQs
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.
It’s important to note - the balloon repayment option is only available if you get a fixed car loan, and will not be available for the variable car loan.
What documents do I need to refinance a car loan?
How to get a car loan to buy a car
What documents do I need to apply for a car loan?
See how low your car loan repayments could be.
Why do people choose us?
loans.com.au is an award-winning online lender. We’ve been making it easy for Aussies to save thousands on their home and car loans for the last 10 years.
Low rates & fast decisions
Our online model means we can offer extremely low rates to help you buy your new car. Fewer overheads and efficient processes means we can pass those savings directly to our customers and assess applications quickly, so you can get your brand new car on the road sooner and for a lower rate.
Australian based support team
We have an experienced, Australian-based team of experts. At every step of the way, you’ll talk to a real person from our friendly team of car loan specialists who are here for you and genuinely want to help you get the keys to your new car.
No matter what car you’re looking at, it’s likely we can help you. If you’re at the dealership, we can assist with anything from brand new cars to cars up to 12 years old. Plus, you can choose either a low rate variable or fixed loan, and a balloon payment may be optional.
By keeping our interest rates low and the loan process simple, experts continue to recognise us with awards for our products, innovations and customer service, year after year, since 2011!
Find out if you qualify for our new car loans in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.
onTrack is our online app which allows you to complete your car 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. But as always, we’re here to help!
New car loan application process
We make borrowing simple. Here’s how to get the keys to your dream new car at a low rate in three easy steps.
Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.
Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Read some of our real good feedback.
The entire team were all very patient as it took a long time for us to find a property
Extremely happy with these guys. I checked them out initially for their low rates but was most pleased with the various team members who helped arrange my loans, especially Ray the lending manager - absolute legend and he deserves a raise - such a great guy who sorted us out all along the way and explained everything very clearly. The entire team were all very patient as it took a long time for us to find a property, including a few false starts at auction. No wait times on the phone with them either. 100% recommended, especially after my experience of being with a major lender for a long time and paying above market interest rates for my loyalty.
April 28, 2022
Friendly and efficient service
Seamless experience. Friendly and efficient service.
April 25, 2022
So easy and simple
The whole process from my initial phone enquiry to my loan being approved was so easy and simple. Ray was amazing. He put my nerves at ease and was able to give me sound financial advice. I would definitely recommend loans.com.au to my family and friends.
April 22, 2022
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 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $15 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
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.VIEW BROCHURE
Still have questions?
Chat online now
Send us a Live Chat with your new car loan questions and we’ll respond straight away.
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 might have.