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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.

Get started

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.

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Talk to a car loan expert

Book a time that suits you to chat with a new car loan specialist and we’ll take care of the paperwork for you.

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Ready to apply?

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

Top reasons to choose this loan

Flexible loans

Choose either a low rate variable loan with the option to make extra repayments and redraw up to $5,000 per day, or a low rate fixed loan and you can add a balloon payment option.

Approval within 24 hours~

Our application process is extremely quick and easy to use, meaning we can assess your loan quickly. In most cases for our car loan applications, we can have an answer to you in 24 hours, provided all the information was entered correctly and passes our lending requirements.

Borrow from $5,000

You don't have to borrow too much to get the keys to the car of your dreams. At loans.com.au we offer car loans from as little as $5,000 to get you on the road in the right car for you.

Easy online process

It is extremely quick and easy to apply for a loan with us, with the simple application form taking less than 2 minutes! From there, you can manage your application and documents through our easy-to-use app onTrack, and then once approved managed your payments in our Smart Money online services platform. Plus, our team is here to answer any questions you have at any step along the way.

Choose either a low rate variable loan with the option to make extra repayments and redraw up to $5,000 per day, or a low rate fixed loan and you can add a balloon payment option.

Our application process is extremely quick and easy to use, meaning we can assess your loan quickly. In most cases for our car loan applications, we can have an answer to you in 24 hours, provided all the information was entered correctly and passes our lending requirements.

You don’t have to borrow too much to get the keys to the car of your dreams. At loans.com.au we offer car loans from as little as $5,000 to get you on the road in the right car for you.

It is extremely quick and easy to apply for a loan with us, with the simple application form taking less than 2 minutes! From there, you can manage your application and documents through our easy-to-use app onTrack, and then once approved managed your payments in our Smart Money online services platform. Plus, our team is here to answer any questions you have at any step along the way.

Car Loan Rates

Our Car Loan Interest Rates

Car loan Type

Interest rate p.a.**

Comparison rate p.a*

Monthly fee

Rate type

Balloons available

Green - Electric

6.49%

7.61%

$8.00

Fixed

Yes

New / Demo - Special^

6.24%
6.99%

7.36%
8.11%

$8.00

$8.00

Variable
Fixed

No
Yes

Green - Electric

Fixed
6.49%
7.61%
Fixed rate p.a
Comp rate p.a.*
Monthly: $8.00
Balloon availability:

New / Demo - Special^

Variable
6.24%
7.36%
Var rate p.a
Comp rate p.a.*
Monthly: $8.00
Balloon availability:
Fixed
6.99%
8.11%
Fixed rate p.a
Comp rate p.a.*
Monthly: $8.00
Balloon availability:

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

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

Looking for a new Car?

Source your new Car through OnlineAuto, finance it with loans.com.au and get rewarded!

Find Out More
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Join our other loans.com.au customers

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

Tim D.
25 Jul 2023

Calculate your car loan repayments.

Estimate your monthly car loan repayments with our calculator below.

Estimated savings from repayments graph

Your estimated repayments are

$652.86
$45,000
$8,934
$54,841

Calculator assumptions

Save thousands on your car loan

Save the planet. Save thousands on your car loan.

6.24%
variable rate p.a**
7.36%
comp rate p.a.*
Redraw facility available up to $5,000
Approval within 24 hrs~
Flexible loan terms
FIND OUT MORE

New car loan process

1
Application

Application

Simply fill out your car loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
onTrack

onTrack

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Speak to specialist

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.

4
Signing document

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.

5
Settlement

Settlement

Your loan will settle so you can make payment to the dealer. You'll start saving with your new low rate, and get your keys to your new dream car!

6
Access your account

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

New Car Loan FAQs

At loans.com.au, we offer car loans for either a 3 to 7 years+.

You are able to refinance your car loan after you’ve purchased your car. At loans.com.au, we have a simple car loan refinance process to help you get a lower rate on your car loan so you can stop paying too much on your car loan repayments. For the documents you’ll need to refinance your car loan, watch our video here:

What documents do I need to refinance a car loan?

A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.

To apply for a new car loan, you’ll need one payslip, the vehicles details, a list of your assets, a list of your liabilities and the proposed vehicles details. For a full list of the documents you’ll need to gather to apply for a new car loan and the process for application, you can watch our video here:

What documents do I need to apply for a car loan?

When comparing car loans, you should not only consider the base rate, but the comparison rate, loan term in number of years, if there are any extras available such as a balloon repayment.

You can save time and heartache if you get pre-approval for a loan before negotiating for your new 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 new 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.

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.

You absolutely can, and we’re here to help you do it. At loans.com.au, we make the new car loan process easy from application to settlement. Chat to one of our car loan specialists today and they can help you with your new car loan application today. For information on how to get a new car loan online, watch our video here:

How to get a car loan to buy a car

You certainly can! A balloon payment is a one-off lump sum that you might 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.

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.

Why choose loans.com.au?

Low interest rates

Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.

Australian based

Get help when you need it from our friendly team of Australian based, lending specialists.

Flexible options

Whether you’re looking to buy new or used at a dealership, or purchase a used car privately, we are sure we have a car loan that can assist you.

Award winning

We keep on winning awards for our products, innovations and customer service, year after year!

award-winning-img mt-5 mt-md-0

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 $16 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.

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