Looking for a real good car loan?
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 loans.com.au 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.
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3.64%
variable rate p.a.** -
4.18%
comparison rate p.a.*
Why choose loans.com.au?
loans.com.au 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.
Read some of our real good feedback.
Our Google Rating
“ 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.„
Lawrence I.
April 28, 2022
“ Friendly and efficient service
Seamless experience. Friendly and efficient service.„
Garth W.
April 25, 2022
Our process
loans.com.au makes refinancing simple so you start saving thousands on your investment property sooner. Here’s how.
Apply online
Application
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.
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.
Contact you at a time that works for you to discuss the information you provided or complete your application for you.
Goodbye paperwork!
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.
Log into onTrack
Upload supporting documents
Verify your information
Speak to a specialist
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.
Book an appointment
Notify you of your preliminary approval
Signing
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
Receive final approval & mortgage documents in onTrack
Complete mortgage documents & loan agreement, return to us
Call you to ensure everything is in order
Settle & Save
Settlement
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream car!
Get the keys to your new car.
Start saving!
Once settlement is complete, we'll send you login credentials to Smart Money
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.
Log in to Smart Money
Manage your payments
Answer any questions you have
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.
Your estimated repayments are
