Loan amount:
$

Car Loans

Get the keys to your dream new car with these low rate car loans!
Multi-award winning
awards awards awards

Car Loans

6.24
%
p.a
Rates from**
7.36
%
p.a
Comparison rate*
Discounted rates for Home Owners
Demo vehicles acceptable up to 5000kms^
Redraw up to $5,000/day for variable rates
Up to 7 years loan term+
Fast Approval times
Our Google Rating
4.5
437 reviews

Our car loans

Car Loan Interest Rate Comparison Rate Weekly Repayment Product Features Details

New / Demo - Special

6.24 %   p.a. 7.36 %   p.a. $166
  • Demo vehicles acceptable up to 5000kms
  • Redraw up to $5,000 per day
  • Up to 7 years loan term
Get started

Green / Electric Car Loan

6.09 %   p.a. 7.21 %   p.a. $165
  • Discounted rate on qualifying electric cars
  • Redraw up to $5,000 per day
  • Up to 7 years loan term
Get started
#Based on the dollar value in the search field with P&I repayments based on a 7-year loan term, not including monthly fee and balloon payment.

Why choose an award winning low-rate car loan?

Approval within 24 hours~

Apply online and if you qualify for our variable rate loan, you’ll know your budget and can looking for your dream car!

From 3 - 7 year loan term

Enjoy the flexibility of 3 to 7 years loan term, and you decide if you pay weekly, fortnightly or monthly.

$5,000 to $150,000

We offer car loans from as little as $5,000 to get you on the road in the right car for you.

Fixed or variable

Choose either a low rate variable loan and redraw up to $5,000 per day, or a low rate fixed loan.

Work Out Your Car Loan Repayments

Use our car loan calculator to estimate what your monthly repayments could be.

Your loan details

%

Estimated loan repayments

$662.57 per month
$45,000
$10,078

Ready to get the keys to your new car?

Get instant approval in minutes.

What Other Customers Are Saying

Best experience

We had the best experience getting a loan with the loans.com.au. Everyone we spoke to was friendly and transparent with communications. We really appreciated all the effort the loans.com.au team put into turning around our finance approval <3

Stamatia B.
04 Jul 2024

Outstanding customer service!

I had an excellent experience with loans.com.au while securing my car loan. Rena and Crystal provided exceptional service throughout the entire process. They were knowledgeable, efficient, and always available to answer my questions.

Rohit P.
17 Jun 2024

Unbelievable result

Unbelievable result achieved by amazing team of professionals! I’m really grateful to loans.com.au for saving my property deal and will recommend everyone to use their services. Thank you!

Alexander S.
15 Jun 2024

Best company for organizing loans

If you ask me who is the best company for organizing loans, I will tell you: it is loans.com.au. I had an excellent experience with them. Sonia, who helped us to get the loan in just 3 days exceeded my expectations. It was done very professionally, without any stress. I would definitely recommend loans.com.au to borrow money from.

Svetlana S.
14 Jun 2024

kind and so helpful

Loans.com.au made it so easy to get my car loan. I was quite overwhelmed when I first started looking in to a loan but once I spoke to Garth, he explained everything so clearly and answered all of my questions without any hesitation. He was so kind and so helpful, and so was everybody else I spoke to within the team.

Jasmin R.
01 Jun 2024

Very helpful with clear communication and quick responses

Ray and Jordan at Loans.com.au have helped us to acquire the mortgage in a short time. They are very helpful with clear communication and quick responses. Definitely recommend anyone give them a go!

Vincent L.
08 May 2024

Exceptional service!

Exceptional service! Grateful to Ray for guiding us through the home loan process for our first home. His expertise, responsiveness, and personalised approach made everything smooth. Highly recommend. Thank you Ray and team.

Mary H.
18 Mar 2024

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

It's Fast & Easy to Get a Loan with loans.com.au

1

Apply online

Simply fill out your 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.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

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.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate!

A low rate car loan that looks just like this

Here’s your new offer

Rates

Variable

Variable Rate:

6.24% p.a.**

Comparison Rate:

7.36% p.a.*

Fixed

Fixed Rate:

7.19% p.a.**

Comparison Rate:

8.31% p.a.*

Key Features

Flexible loans

Approval within 24 hours

Borrow from $5,000

Easy online process

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$166 per week#

The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.24% p.a. paying variable rate.

View car loan calculator

Fees

Application fee

$400

Monthly fee

$8

Discharge fee

$0

Variable

Variable Rate:

Comp Rate:

6.24% p.a.**

7.36% p.a.*

Fixed

Fixed Rate:

Comp Rate:

7.19% p.a.**

8.31% p.a.*

Flexible loans

Approval within 24 hours

Borrow from $5,000

Easy online process

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$166 per week#

The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.24% p.a. paying variable rate.

View car loan calculator

Application fee

$400

Monthly fee

$8

Discharge fee

$0

2024 WeMoney - Best Electric Car loan 2023 WeMoney - Best Usesd Car Loans 2023 Wemoney - Exellent fee Car Loans Gold Award - Best Green Car loan Gold Award - Best New Car Loan
Our car loan products are recognised & awarded by the Australian financial industry

Frequently asked questions

balloon payment is a one-off lump sum that you might agree to pay your lender at the end of your car loan’s term.

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

It’s important to note - the balloon repayment option is only available if you get a fixed 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.

Ready to get the keys to your new car?

Complete our quick application form to find out if you qualify.

More customer stories

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Sienna
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