Refinance your car loan

Isn’t it time you stop paying too much for your car loan? Are you ready to pay your loan off and own your own car? We’re here to help.

  • Switch to a low rate car loan
  • Balloon options to reduce repayments
  • No monthly or annual fees

3.99% fixed rate p.a.**
4.53% comparison rate p.a.*

Repayment# $416.58 / month

Refine repayment



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What’s so good about our car loans?

We get it. You quickly signed up to a high fixed rate so you could get the keys to your dream car. But isn’t it time you stopped paying too much for your car loan repayments?

We offer loans of 3, 4, or 5 years for new cars from a car dealership.

Our loans have no ongoing fees, and fixed rates so you know exactly how much your repayments will be over the entire term of the loan.

Get started

Apply online today. Or, one of our friendly lending specialists can do the hard work for you and manage your paperwork over the phone.

Either way, we can settle your loan quickly so you can start saving thousands sooner.


Talk to a car loan expert

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


Ready to apply?

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


Get ahead with $1000 in fuel! All you have to do is settle a car loan with us and you’re in the running to win. T&Cs apply.

Green Car Loan
  • 3.29%
    fixed rate p.a.**
  • 3.83%
    comparison rate p.a.*

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

Our Car Loan Interest Rates

Car Loan Type

Green - Hybrid or electric

Interest rate p.a.**


Comparison rate p.a.*


Balloons available


Car Loan Type


Interest rate p.a.


Comparison rate p.a.


Balloons available


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

Top reasons to choose this loan


No monthly or
ongoing fees

Save thousands over the course of your loan with zero recurring fees.


Balloon payment

Reduce monthly repayments and afford a better car


Approval within 24 hours~

Quick car loan approvals so you can get your keys sooner.

See how low your car loan repayments could be.

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Ready to get started?

Our online loan application process

We make borrowing simple. Here’s how to get the keys to your dream car at a low rate in three easy steps.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

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.

Frequently asked questions

When you refinance your car loan, you borrow money from a new lender to pay off your current car loan lender. You then repay your new lender over time according to the terms of the new loan contract, hopefully at a better rate, saving you money in interest.
A new lender can offer a lower interest rate on the new loan compared to your original car loan. A lower interest rate will reduce your regular repayments and leave more money in your pocket.
You may have found a better interest rate than you’re currently paying. Or, if you may simply just want to change from your existing lender.
The key number when considering the real cost of a car loan is the comparison rate, which makes it easy to compare the cost of different loans. To easily calculate how much you could save by switching to, use our car loan calculator.
A balloon payment is a one-off lump sum that you 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.
You can save yourself a lot of time and heartache if you get pre-approval for a loan before negotiating for a 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 30 days. To gain full approval you will need to supply more supporting documents and updated information.
You could get pre-approval on your 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.

At, 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. 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 $14 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Customer Feedback

Vicki M.

January 07, 2022

W and H M.L

January 06, 2022

Jeff L.

January 05, 2022

Questions? We can help


Chat online right now

Send us a chat message with any questions you might have.


Talk to a car loan expert

Our experienced loan specialists are here to help – just book a call to have all your questions answered.

TAP to chat!