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Our car loans

  • Demo vehicles acceptable up to 5000kms
  • Balloon option available up to 50%
  • Up to 7 years loan term+
Rates from^
7.09
%
p.a.
Comparison Rate*
8.21
%
p.a.
Weekly repayment#
$170
Rates from^
7.09
%
p.a.
Comparison Rate*
8.21
%
p.a.
Weekly repayment#
$170

Weekly repayment#
$170
  • Available for Used < 3 yrs
  • Balloon option available up to 40%
  • Up to 7 years loan term+
Rates from**
8.09
%
p.a.
Comparison Rate*
9.20
%
p.a.
Weekly repayment#
$176
Rates from**
8.09
%
p.a.
Comparison Rate*
9.20
%
p.a.
Weekly repayment#
$176

Weekly repayment#
$176
  • Available for Used < 5 yrs
  • Balloon option available up to 40%
  • Up to 7 years loan term+
Rates from**
8.29
%
p.a.
Comparison Rate*
9.40
%
p.a.
Weekly repayment#
$177
Rates from**
8.29
%
p.a.
Comparison Rate*
9.40
%
p.a.
Weekly repayment#
$177

Weekly repayment#
$177
  • Available for Used < 3 yrs
  • Balloon option available up to 40%
  • Up to 7 years loan term+
Rates from**
8.09
%
p.a.
Comparison Rate*
9.34
%
p.a.
Weekly repayment#
$176
Rates from**
8.09
%
p.a.
Comparison Rate*
9.34
%
p.a.
Weekly repayment#
$176

Weekly repayment#
$176
  • Available for Used < 5 yrs
  • Balloon option available up to 40%
  • Up to 7 years loan term+
Rates from**
8.29
%
p.a.
Comparison Rate*
9.54
%
p.a.
Weekly repayment#
$177
Rates from**
8.29
%
p.a.
Comparison Rate*
9.54
%
p.a.
Weekly repayment#
$177

Weekly repayment#
$177
#Based on the dollar value in the search field with P&I repayments based on a 7-year loan term, not including monthly fee and balloon payment.
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Our car loan products are recognised & awarded by the Australian financial industry. View all awards

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 and used cars.

We offer both fixed and variable rates, so you can trust we will have a suitable loan type for you.

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.

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Talk to a car loan expert

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

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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

6.09%

7.21%

$8.00

Fixed

Yes

New / Demo - Special^

6.24%
7.09%

7.36%
8.21%

$8.00

$8.00

Variable
Fixed

No
Yes

Green - Electric

Fixed
6.09%
7.21%
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
7.09%
8.21%
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

New / Demo - Special image

Our super-low car loans make it easier to drive away in your dream car sooner.

Join our other loans.com.au customers

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

Brilliant service

Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.

Ominous B.
03 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.

6.09%
fixed rate p.a**
7.21%
comp rate p.a.*
1% discount on qualifying electric cars
Approval within 24 hrs~
Flexible loan terms
FIND OUT MORE

Our car loan application process

1
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.

2
Goodbye paperwork

Goodbye paperwork

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
Settle & save

Settle & save

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!

Refinance Car Loans FAQs

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 loans.com.au, use our car loan calculator.

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.

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.

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.

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.

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

Questions? We can help

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Chat online right now

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

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Talk to a car loan expert

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

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