close icon
search icon Apply phone 13 10 90

What’s so good about our car loans?

Buying a 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 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.

At we put people at the heart of everything we do, and that doesn’t stop at supporting customers with their loans. We also do our best to support our local community through our Women, Children & Community Program.


Talk to a lending specialist

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


Get pre-approval so you can shop with confidence

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

We're recognised & awarded by the Australian financial industry. View all awards

Green Car Loan image
Green Car Loan
  • 3.64%
    variable rate p.a.**
  • 4.18%
    comparison rate p.a.*

Get a ‘green car’ rate discount if your car qualifies!

Why choose is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.


Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.


Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.


Flexible options

We offer great low rates on our fixed, variable and split home loans. We also offer discounts for large deposits or customers with owner occupied and investment properties. We even offer a green home loan discount if your home is energy efficient!


Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!


Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.


onTrack advantage

onTrack is our online app which allows you to complete your home 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.

Our people

We care about getting you into your new home.


Read some of our real good feedback.

Our Google Rating


| 392 reviews

Lawrence I.

April 28, 2022

Garth W.

April 25, 2022

Our process makes refinancing simple so you start saving thousands on your investment property sooner. Here’s how.

Apply online Apply online


Simply fill out your 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.

What you do

Complete a quick pre-qualification online to see if you qualify, or book an appointment at a time that suits you to speak with a home loan specialist.

What we do

Contact you at a time that works for you to discuss the information you provided or complete your application for you.


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.

What you do

Log into onTrack
Upload supporting documents

What we do

Verify your information

Speak to specialist to get preliminary approval

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 home loan approval process through to settlement as quickly as possible.

What you do

Book an appointment

What we do

Notify you of your preliminary approval

Signing purchase document & loan document

Check onTrack to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack to progress to settlement

What you do

Receive final approval & mortgage documents in onTrack
Complete mortgage documents & loan agreement, return to us

What we do

Call you to ensure everything is in order


Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream car!

What you do

Get the keys to your new car.
Start saving!

What we do

Once settlement is complete, we'll send you login credentials to Smart Money

Access your account

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

What you do

Log in to Smart Money
Manage your payments

What we do

Answer any questions you have

Prequalify now

Car Loan Calculator

If you've been considering buying a new car and need financing, our car loan calculator can tell you what your repayments will be, and how much you’ll pay over the life of your loan.

To use this calculator, all you need to do is enter how much the vehicle is estimated to cost and how much you want to borrow, any deposit or trade in value, and if you are opting for a balloon repayment. Then, you’ll see what your estimated monthly repayments will be.

Estimated savings from repayments graph

Your estimated repayments are


Calculator assumptions

Save thousands on your car loan

Save the planet. Save thousands on your car loan.

variable rate p.a**
comp rate p.a.*
0.7% discount on qualifying electric and hybrid cars
Approval within 24 hrs~
No ongoing fees, no discharge fee