Used Car Loans

Fasten your seat belts & get a great used car deal at the dealer with our low fixed rates.

  • Approval in 24 hours~
  • Balloon options to reduce repayments
  • No ongoing fees, no discharge fee

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Low fixed rate and approval within 24 hours~

Fasten your seat belts & get a great car deal at the dealer with our low fixed rates.

Why choose us?

  Fast & easy

At we do everything possible to make it easy for you to drive away in your new car fast

  No ongoing fees

Our loans have super low fixed rates and no ongoing and discharge fees so you know exactly how much your repayment will be

  $1000 Fuel Voucher

You even have the chance to win a $1,000 fuel gift voucher. Open to customers who settle a car loan with us. Terms and conditions apply

To find out about all of our very low car loan rates and get the perfect deal for you, book a phone appointment with one of our friendly Lending Specialists.


Get ahead with $1000 in fuel! All you have to do is settle a car loan with us and you’re in the running to win. T&Cs apply.

Top reasons to choose this loan


No monthly or
ongoing fees

Save thousands over the course of your loan with zero recurring fees.


Balloon payment

Reduce monthly repayments and afford a better car


Approval within 24 hours~

Quick car loan approvals so you can get your keys sooner.

Our Used Car Loan Interest Rates

Car Loan Type

Used < 5 years

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Balloons available


Car Loan Type

Used 6 - 7 years

Interest rate p.a.


Comparison rate p.a.


Balloons available


Car Loan Type

Used 8+ years

Interest rate p.a.


Comparison rate p.a.


Balloons available


Want to see more car loan options? Compare our car loans.

See how low your car loan repayments could be.

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Ready to get started?

Our online loan application process

We make borrowing simple. Here’s how to get the keys to your dream car at a low rate in three easy steps.


Apply online

Fill out our application online or talk to one of our Australian-based lending specialists to do the hard work for you.


Goodbye paperwork!

Login to onTrack and easily upload the required documents. Plus, you can track your application through to approval.


Settle & save

Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.

Who is 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. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and are also Premier Sponsors of NRL team the Brisbane Broncos.


Our awards

Our Car Loans received 2021 Mozo Experts Choice Award, multiple 2021 RateCity Gold Awards, and 2020 Canstar 5-star Rating for Outstanding value, reflecting its status as one of Australia’s best value car loans.

See all our awards

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