Things you should know
- This car loan calculator is intended as a generic tool to calculate repayments, and does not take your objectives and financial situation into account.
- Calculations made are intended as a guide only, and accuracy of results is determined by the details you enter.
- The calculator does not take any fees into account, and it’s important to note that different lenders may apply different fees and additional costs to their car car loans. The only additional cost associated with a car loan is an establishment fee at the time of settlement and a monthly fee of $8.
- Your results are not an offer of lending. The amount you can borrow may vary from your calculator results once you complete your online loan application and our team have assessed against our lending criteria.
Benefits of our car loans
Pre-approval Confidence
Shop with certainty for your car knowing exactly how much you can borrow.
Greater flexibility
Choose a loan term from 3 to 7 years, with weekly, fortnightly, or monthly repayments.
Borrow up to $150,000
Borrow a specific amount from as little as $5,000 to $150,000 (subject to approval).
Sustainable loan options
Financing for electric and hybrid cars, helping you drive into a greener future.
Frequently asked questions
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.
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.
A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.
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.
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.
Who is loans.com.au?
loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.
Andrew
Lending Specialist
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Get help from a friendly member of our Australian-based car lending team.