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Refinance car loans

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.
Multi-award winning
awards awards awards

Refinance your car loan

7.59
%
p.a
Rates from**
8.70
%
p.a
Comparison rate*
Discounted rates for Home Owners
Demo vehicles acceptable up to 5000kms^
Redraw up to $5,000/day for variable rates
Up to 7 years loan term+
Fast Approval times
Our Google Rating
4.5
447 reviews

Why choose an award winning low-rate car loan?

Refinancing made easy

Switch to loans.com.au and you could save thousands over the life of your loan and enjoy the freedom and flexibility of owning your own car.

Pre-approved in minutes~

Apply online or talk it over with one of our car lending specialists for a quick decision so that you can be on the roader quicker than you think.

Ability to redraw extra funds

Redraw access up to $5,000/day on a variable rate loan if you’re ahead on your repayments, giving you flexibility when you need it.

Flexible borrowing loan terms

Borrow from as little as $5,000 with a loan term to suit your needs. Choose from three to seven years, with flexible repayment options.

Work out your car loan repayments

Use our car loan calculator to estimate what your monthly repayments could be.

Your loan details

Reason for loan
Loan term
Rate type
%
Most Popular

Used < 3 years old

Fixed Available for Used < 3 years old Balloons available for < 5 yr term
Fasten your seat belt & get a great used car deal.

Interest rate
7.59% p.a.
8.70% p.a.

Estimated repayment#
$692.22 per month
Total principal paid
$45,000
Total interest paid
$11,902

A low rate car loan that looks just like this

Here’s your new offer

Rates

Variable

 

Used < 3 years

Used < 5 years

Variable Rate:

7.74% p.a.**

7.74% p.a.**

Comparison Rate:

8.85% p.a.*

8.85% p.a.*

Fixed

 

Used < 3 years

Used < 5 years

Used 6-7 years

Used 8+ years

Fixed Rate:

7.59% p.a.**

7.69% p.a.**

8.99% p.a.**

12.69% p.a.**

Comparison Rate:

8.70% p.a.*

8.80% p.a.*

10.10% p.a.*

13.80% p.a.*

Key Features

Flexible loans

Approval within 24 hours~

Borrow from $5,000

Easy online process

Access your account via Smart Money app

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$174 per week#

The weekly repayment estimate is based on a $45,000 loan over 7 years at 7.74% p.a. paying variable rate.

View car loan calculator

Fees

Application fee

$400

Monthly fee

$8

Discharge fee

$0

Variable

Variable Rate:

Comp Rate:

7.74% p.a.**

8.85% p.a.*

Fixed

Fixed Rate:

Comp Rate:

7.59% p.a.**

8.70% p.a.*

Flexible loans

Approval within 24 hours~

Borrow from$5,000

Easy online process

Access your account via Smart Money app

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$174 per week#

The weekly repayment estimate is based on a $45,000 loan over 7 years at 7.74% p.a. paying variable rate.

View car loan calculator

Application fee

$400

Monthly fee

$8

Discharge fee

$0

2024 WeMoney - Best Electric Car loan 2023 WeMoney - Best Usesd Car Loans 2023 Wemoney - Exellent fee Car Loans Gold Award - Best Green Car loan Gold Award - Best New Car Loan
Our car loan products are recognised & awarded by the Australian financial industry

Low rate car loan eligibility

Join our other customers

Could not recommend them enough

Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.

Jillian G.
14 Sep 2024

Got what I needed very quickly

Great rates, easy to use, simple process. Got what I needed very quickly

Lachlan J.
12 Sep 2024

I highly recommend this lender

I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.

Alex A.
02 Sep 2024

More than exceptional

My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!

Matthew P.
23 Aug 2024

Very professional and polite

This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.

Drew D.
19 Aug 2024

Easy application process

By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.

Lisa S.
16 Aug 2024

Highly recommended

It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.

Rajesh M.
29 Jul 2024

Very Happy with Jessica's service

Very Happy with Jessica's service so far. She is knowledgeable and efficient, and always available to answer my questions. The portal is also very easy to use. Thank you.

Cristina R.
09 Jul 2024

Would definitely recommend Loans.com.au

Would definitely recommend Loans.com.au, very competitive loan rate, app simple to use, staff easy to talk to.

Roxanne L.
08 Jul 2024

Best experience

We had the best experience getting a loan with the loans.com.au. Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the loans.com.au team put into turning around our finance approval <3

Stamatia B.
04 Jul 2024

Outstanding customer service!

I had an excellent experience with loans.com.au while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.

Rohit P.
17 Jun 2024

Unbelievable result

Unbelievable result achieved by amazing team of professionals! I’m really grateful to loans.com.au for saving my property deal and will recommend everyone to use their services. Thank you!

Alexander S.
15 Jun 2024

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your 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

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (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.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate!

Refinance Car Loans FAQs

You can borrow between $5,000 to $100,000.

Yes. $400 application fee ($500 via a private sale) and $8 monthly fee.

You can get pre-approved on the same day, and final approval within 2 days. The overall processing time, from application to settlement, takes 3-4 days.

Our car loans must be secured.

We do offer pre-approval for car loans. Contact our friendly lending team to discuss, or, if you’re ready to go ahead with your car loan, click here to apply for pre-approval online.

Most pre-approvals usually only last for 30 days, but at loans.com.au they’re valid for 60 days.

Your car loan term can be 3 to 7 years.

You must be 18 years or over, an Australian citizen or permanent resident, home-owners, employed, demonstrate a good credit history and not be bankrupt.

You can finance most car towable by a motor vehicle, including camping trailers and pop tops. We do not accept campervans, motorhomes.

You can pay weekly, fortnightly or monthly, setup through a direct debit.

Refinancing may give you the opportunity to reduce your interest and monthly payments and the overall loan amount and/or pay off your car earlier. 

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
View offer

Low rate car loan eligibility

Car hunt and budget with confidence with pre approval

Welcome to loans.com.au _

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