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.
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%
6.69%
7.21%
7.81%
$8.00
$8.00
Variable
Fixed
No
Yes
New / Demo - Special^
6.24%
7.19%
7.36%
8.31%
$8.00
$8.00
Variable
Fixed
No
Yes
![](/media/icons/rates/car-gl.webp)
Green - Electric
![](/media/icons/rates/yes.webp)
![](/media/icons/rates/car-ns.webp)
New / Demo - Special^
![](/media/icons/rates/no.webp)
![](/media/icons/rates/yes.webp)
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.
Refinance Car Loans FAQs
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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 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