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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 repayment optional**
- No ongoing fees, no discharge fee
We're awarded
Low rates and approval within 24 hours~
Fasten your seat belts & get a great deal on your car loan with our low fixed and variable rates.
Why choose us?
At loans.com.au, we make it easy for you to drive away in your new car as soon as possible.
We offer low fixed and variable rate car loans, plus they come with no ongoing, monthly or annual fees so you can focus on paying off your car loan.
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.
Top reasons to choose this loan
No monthly or
ongoing fees
Save thousands over the course of your loan with zero recurring fees.
Balloon repayment
option**
Get the option to choose to reduce your regular payment amounts if you opt for balloon payment. This is available for our fixed car loans only.
Approval within 24 hours~
Quick car loan approvals so you can get your keys sooner.
Used Car Loan Rates
Our Car Loan Interest Rates
Car loan Type
Interest rate p.a.**
Comparison rate p.a*
Rate type
Balloons available
Used Car < 5 years
5.34%
6.49%
5.89%
7.04%
Variable
Fixed
No
Yes
Used car 6-7 years
6.04%
7.19%
6.59%
7.75%
Variable
Fixed
No
No
Used 8+ years
9.94%
11.09%
10.51%
11.67%
Variable
Fixed
No
No
Used Car < 5 years
Used 6-7 years
Used 8+ years
Want to see more car loan options? Compare our car loans
Want to see more car loan options? Compare our car loans
Calculate your car loan repayments.
Estimate your monthly car loan repayments with our calculator below.
Your estimated repayments are
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 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. Firstmac has been operating successfully for over four decades and it has more than $13 billion in mortgages under management. Firstmac and loans.com.au are also Premier Sponsors of NRL team the Brisbane Broncos.
Our awards
Our Car Loans received multiple 2022 RateCity Gold Awards and 2022 WeMoney Winner Awards, reflecting its status as one of Australia’s best value car loans.
Fast track your application
If you’re ready to drive away in the car of your dreams, we’ll get you there in a few quick and easy steps.
Get your loan from application to settlement in a matter of days and stay in control of your application with our onTrack app.