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Make it easy for you to get your car loan approved in less than 24 hours~ so you can start saving and drive away sooner.

Rates from**

5.99

% p.a

Comparison rate*

7.12

% p.a

Our google rating

4.5 490 reviews

Multi-award winning

Our car loan interest rates

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Loan amount

Loan reasons

Buying New

Buying Used

Refinancing

Rate type

Fixed

Variable

Car Loan	Interest Rate	Comparison Rate	Weekly Repayment	Product Features	Details
Variable Car Loan - Green/Electric Loan terms from 3 to 7 years Most Popular	5.84% p.a.	6.97% p.a.	$163	Discounted rate on qualifying electric cars Unlimited additional repayments Redraw up to $5,000 per day	More details Get started
Variable Car Loan - New/Demo Loan terms from 3 to 7 years	5.99% p.a.	7.12% p.a.	$164	Flexible repayment options - choose weekly, fortnightly or monthly Unlimited additional repayments Redraw up to $5,000 per day	More details Get started

Our car loan products are recognised & awarded by the Australian financial industry. View all awards

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“I was updated along the track and it all turned out perfectly. I would certainly recommend loans.com.au to other car buyers.”

Sienna

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Excellent service

“Excellent service. Easy to complete online with great assistance.„

David L.

30 May 2025

Smooth and stress-free

“I’m truly grateful to loans.com.au for securing a loan for me with such a great interest rate. From the very beginning, they were professional, responsive, and incredibly helpful throughout the whole process. They made everything smooth and stress-free, and I felt supported every step of the way.„

Mostafa M.

29 May 2025

Fantastic to work with

“Sharon and Harriet have been fantastic to work with. Their bosses are very lucky to have these two employees. They make the business a pleasure to engage with.„

Joel F.

28 May 2025

Helpful and professional

“The two ladies I delt were really helpful and professional couldn't be happier with the outcome.„

Daniel H.

26 May 2025

Fast approval

“Amazing service. Trina went above and beyond to make it an easy and fuss free experience!! Easy online portal to upload documents and fast approval. Our second loan through them and would use again and again!„

Danielle T.

21 May 2025

Speed, efficiency, and real human support

“Trina’s support made all the difference, and I can’t thank her enough! If you're looking for a loan provider that combines speed, efficiency, and real human support, I highly recommend Loans.com.au.„

Michael I.

09 May 2025

Very professional

“Very professional, always maintain contact through out the process and quick to respond when calling or emailing. Overall process was quick and easy. Thumbs up 👍 would definitely use them again.„

Stewart O.

05 May 2025

Great outcome

“Thankyou Tiffany for being so kind, warm, friendly, and helpful to my husband and I. Its people like you that make life's decisions so much easier. We need more people like you and your personality doing the type of service you offer. Thankyou for all your support for a great outcome.„

Donna A.

30 Apr 2025

Excellent customer service and support

“Thanks to the hard work and commitment of both Emira and Cherie, I felt confident and well-supported at every step. I would highly recommend Loans.com.au to anyone seeking car finance solutions, and I look forward to working with your team again in the future.„

Avi I.

29 Apr 2025

Highly recommended

“Great to deal with kept us up-to-date every step of the way with the refinancing would highly recommend them.„

Bradley P.

28 Apr 2025

Less stressful

“Brent is the best lending manager I have ever dealt with. Patient, friendly and knowledgeable. Always willing to help and also provide options to consider so that I don't miss out anything. This made my purchase and refinance of investment property much less stressful„

Jason P.

15 Apr 2025

Hassle free

“Helen, Sharny and the loans.com.au team have been excellent to work with. Jason and I have never had such good communication with a bank. The whole loans process from start to finish has been hassle free and having the onTrack app makes keeping track of where you are in the process, easy. Would definitely recommend.„

Sally C.

14 Apr 2025

Our Google rating

4.5 490 reviews

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Our car loan application process

Application

Simply fill out your car 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.

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.

Speak to specialist

You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.

Signing document

Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.

Settlement

Your loan will settle so you can make payment to the dealer or private seller. You'll start saving with your new low rate, and get your keys to your dream car!

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

Apply Online

How it works

Frequently asked questions

How does a balloon payment work?

If added to your loans.com.au car loan, a balloon payment is a one-off lump sum that you have agreed to pay us, at the end of your car loan term.

This one-off final payment will account for a large proportion of your car loan so that your regular car loan repayments can be reduced each month, as a result.

It’s important to note - the balloon repayment option is only available if you get a fixed rate car loan , and will not be available for the variable car loan.

How quickly can I get approved for a car loan?

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.

What counts as a new car?

A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.

What is the process to get to settlement?

In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. loans.com.au may then approve your loans, issue the documents and you settle, and we then pay the funds so you can collect your car.

What is pre-approval?

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 60 days. To gain full approval, you'll need to supply more supporting documents and updated information.