Variable rate car loan
When interest rates drop, so can your minimum repayments.
Rates start from
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Approval within 24 hours~ -
3 - 7 year loan terms available
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Borrow from $5,000 - $150,000
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New/demo, used & green/electric vehicles accepted
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Variable rate adjusts with interest rate changes
More reasons to choose a variable rate car loan with us
Quick steps to your personalised rate
Apply anytime and from anywhere
Online convenience, local support
Smarter lending with our flexible variable rate
Start now and take the next step towards your new car
Start nowGet a personalised rate and repayment estimate for your car loan by answering a few simple questions. Your rate is tailored to your credit score and the loan details you provide.
Won’t impact your credit score!
A car loan built for you
What happens once I get my quote?
Start nowWe give you a personalised quote and estimated repayments based on your credit score and the loan details you provide to us - without impacting your credit score.
Knowing your rate and repayments up front means you can shop with confidence, focus on the right vehicle, and move fast when you find the perfect one.
Your personalised quote is valid for 48 hours. We'll then give you a quick call to progress your application so that you can get behind the wheel sooner.
Free guides & reports
Your guide to buying a car
If you are looking at car finance to purchase your next car and have lots of questions, our guide contains our loan process, what documents you'll need, preapproval, tips and more.
Your guide to balloon payments
Our easy-to-follow guide explains how balloon payments work, what to expect at the end of your loan term, and how it might fit into your car finance plans.
Frequently asked questions
A rate quote is a personalised estimate of the interest rate and repayments you could expect on your car loan, based on the information you provide.
At loans.com.au, getting a rate quote is fast, free, and won’t affect your credit score. It’s a great way to understand your borrowing capacity and also gives you an idea of what your repayments could look like.
Get my personalised quoteA quote is a quick, personalised estimate of your car loan interest rate and repayments based on basic information you provide. It’s an obligation-free quote, doesn't impact your credit score, and helps you understand if you qualify for a car loan.
An application is a formal request for a loan. It involves providing more detailed information and supporting documents. Once submitted, your application goes through a full credit assessment.
A variable rate car loan means your interest rate and repayments can go up or down during the life of your loan, depending on market conditions. This may save you money when rates drop, but repayments may increase if rates rise. A fixed interest rate remains the same for the entire loan term, meaning repayments will always be the same.
Based on the loan information you provide to us, your variable rate is personalised to you. We consider your credit score, financial history, and loan details to offer a rate tailored to your profile rather than a single advertised rate.
You can book a chat with one of our car loan lending specialists. Based on the loan details you provide us, you’ll receive your personalised variable rate and estimated repayments. This won't impact your credit score.
No. Getting your personalised rate is obligation-free and won’t impact your credit score. A full credit check is only done if you proceed with your application.
Your car lending specialist will confirm your details, answer questions, and guide you through the next steps or you can submit an application online.
Our car loan application process
Start with a quick quote
Find out what your personalised rate and estimated repayment could be.
Speak to your Specialist
Chat to your car lending specialists to find out your personalised rate and what you repayments will be.
Apply online
You can begin your application.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Approval & Signing
Review and sign your car loan documents and loan agreement via onTrack.
Settlement
After your car loan settles, the funds will be ready and paid directly to the seller.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
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Why Aussies Choose Us
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Flexible loan options available
Australian based lending specialist
Save with our competitive interest rates
Refer your friends or family to loans.com.au and earn big rewards!
When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!+
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Andrew
Lending Specialist
Have questions?
Talk to one of our lending specialists
Talk to one of our lending specialists
Our experienced car lending specialist, Andrew and his team can answer all your questions to get you on the road sooner with your personalised rate.