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.
Our car loans
- Demo vehicles acceptable up to 5000kms
- Balloon option available up to 50%
- Up to 7 years loan term+
- Available for Used < 3 yrs
- Balloon option available up to 40%
- Up to 7 years loan term+
- Available for Used < 5 yrs
- Balloon option available up to 40%
- Up to 7 years loan term+
- Available for Used < 3 yrs
- Balloon option available up to 40%
- Up to 7 years loan term+
- Available for Used < 5 yrs
- Balloon option available up to 40%
- Up to 7 years loan term+
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.
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.
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.
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
5.79%
6.91%
$8.00
Fixed
Yes
New / Demo - Special^
6.24%
6.79%
7.36%
7.91%
$8.00
$8.00
Variable
Fixed
No
Yes
Green - Electric
New / Demo - Special^
Want to see more car loan options? Compare our car loans
Want to see more car loan options? Compare our car loans
Our super-low car loans make it easier to drive away in your dream car sooner.
Join our other loans.com.au customers
“Great customer service, thanks Ray!„
“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!„
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
“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!„
“Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.„
“I can not thank Ray Glowaski enough from the very start Ray was extremely helpful right through to my approval he even followed up with a congratulations call. Thank you, Ray and thank you First Mac highly recommended 👍👍„
“Ray has been so helpful, professional and most of all prompt especially as time was of the essence. Ray's experience in this field is evident by the way he guided me through the process to obtain finance. I love that I could upload my docs which made the process quicker.„
“Quick and easy settlement with good online portal for document submission and clear instructions as to what documents are required.„
“Easy to deal with, friendly staff, talk with real people from first phone call.Extremely happy.„
“Straightforward and pain free process from start to finish. Very helpful and knowledgeable staff. So easy to deal with.„
Calculate your car loan repayments.
Estimate your monthly car loan repayments with our calculator below.
Your estimated repayments are
Our car loan application process
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.
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.
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
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
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Is it worth it to refinance your car loan?
Most people who are considering refinancing their car loan are doing so because they want to reduce their repayments by getting a lower interest rate.