Loan amount:
$
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Get Prequalified for your new or used Car – Fast & easy!

Check in Minutes and Drive away sooner
Won’t impact your credit score.

Multi-award winning

  • awards
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Variable and Fixed Car loans from

5.99
%
p.a
Rates from**
7.12
%
p.a
Comparison rate*
  • Discounted rates for Home Owners
  • Demo vehicles acceptable up to 7500 kms^
  • Redraw up to $5,000/day for variable rates
  • Up to 7 year loan term
  • Variable rate adjusts with interest rate changes
  • Get Preapproved to confidently secure your car financing
Do I qualify
Our Google Rating
4.5
548 reviews

Accelerate your way to your new or used car in just a few steps!

Whether it’s your first car or an upgrade, we offer competitive rates and flexible loan terms to make your car-buying experience seamless, including our quick and easy online application with convenient document upload in just a few steps.

It's a quick-and-easy process to allow you to better understand your lending position, prior to applying for a car loan, that won’t impact your credit score.

When you prequalify for a car loan, you can explore your car financing options confidently, knowing that your credit score remains unaffected during the initial stages.

Find out if you qualify to confidently secure your new car financing.

 

Explore more

Our car loans

View all car loans
Loan reasons
Rate type
Car Loan Interest Rate Comparison Rate Weekly Repayment Product Features Details

Variable Car Loan - Green/Electric

Loan terms from 3 to 7 years 		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
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Our car loan products are recognised & awarded by the Australian financial industry. View all awards
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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.

Work out your car loan repayments

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

Your loan details

Reason for loan
Rate type
Loan term
Repayment frequency
%

Variable Car Loan - New/Demo
Loan terms from 3 to 7 years
Get the keys to your dream new car with these low rate car loans!
Interest rate
5.99% p.a.
7.12% p.a.
Estimated repayments#
$657 per month
Loan amount
$45,000
Interest charged
$10,202
Do I Qualify?
See loan details
Calculator assumptions

A guide to car loans

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.

We're help to help you when you may need us.

View Brochure

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

Your loan will settle, and you’ll enjoy your new loan rate.

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.

Low rate car loan eligibility

Do I Qualify?

Real-life customer stories

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Slide 1

Derek

Meet Derek, a customer of ours who took out a home loan with us and then followed up with a car loan

  • I took out a home loan with loans.com.au about four years ago. There’s never been a problem with the home loan. It’s been great - set and forget. I started looking at getting a new car.

  • I rang around and found a dealership who said they had a red one coming in next week that had fallen over on a finance deal. I put a deposit on it and then arranged my own finance with loans.com.au.

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Slide 1

Sienna

Meet Sienna, an awesome customer of ours who came to us when it was time to purchase a new car.

  • I had a Mazda 3 which I really liked but, with a new baby boy, I wanted something a bit bigger and safer. As a sales associate for a real estate agency, I’m out on the road a lot.

  • Once I knew what I wanted, I searched for a lender online and found loans.com.au straight away. I wanted to get pre-approved for the loan before I went in to the dealer to buy because I’m on maternity leave. I didn't want to get excited and look at a car and then have to say that I'm wasting everyone's time because I can't get finance! So, I filled out the loans.com.au pre-approval form online a few days before I planned to go in to the dealer, and a loans.com.au loan specialist called me within about 20 minutes.

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What other customers are saying

Absolutely brilliant, professional and very informative

“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„

Simon L.
16 Jun 2025

I could not have asked for a better service

“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„

Caraman C.
13 Jun 2025

They have exceptional customer service!

“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„

Joe F.
12 Jun 2025

Had good experience

“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„

Gleb L.
11 Jun 2025

If I could give 6 stars in this review I would

“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„

Beau B.
10 Jun 2025

I am tremendously satisfied

“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„

Ridhima G.
10 Jun 2025

Had a great experience with loans.com.au

“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„

John M.
10 Jun 2025

I love to deal with them directly

“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„

Shiva S.
07 Jun 2025

Our Google rating

4.5 548 reviews
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Konnie

Lending Specialist

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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.

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