Refinance your car loan
Make the switch today and you could save with our competitive rates.
Rates start from
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Approval within 24 hours~ -
3 - 7 year loan terms available
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Borrow from $5,000 - $150,000
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New/demo, used & green/electric vehicles accepted
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Fixed or variable rates available
Make the switch via loans.com.au
We've made car loan refinancing simpler with onTrack - a system built around your schedule. Upload documents, track your progress, and manage your refinance anytime, anywhere.
Quick steps to your personalised rate
Apply anytime and from anywhere
Easy document upload
Access anywhere, anytime
Start now and take the next step towards your new car
Start nowGet a personalised rate and repayment estimate for your car loan by answering a few simple questions. Your rate is tailored to your credit score and the loan details you provide.
Won’t impact your credit score!
A car loan built for you
What happens once I get my quote?
Start nowWe give you a personalised quote and estimated repayments based on your credit score and the loan details you provide to us - without impacting your credit score.
Knowing your rate and repayments up front means you can shop with confidence, focus on the right vehicle, and move fast when you find the perfect one.
Your personalised quote is valid for 48 hours. We'll then give you a quick call to progress your application so that you can get behind the wheel sooner.
Free guides & reports
Your guide to buying a car
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.
Your guide to balloon payments
Our easy-to-follow guide explains how balloon payments work, what to expect at the end of your loan term, and how it might fit into your car finance plans.
Frequently asked questions
A rate quote is a personalised estimate of the interest rate and repayments you could expect on your car loan, based on the information you provide.
At loans.com.au, getting a rate quote is fast, free, and won’t affect your credit score. It’s a great way to understand your borrowing capacity and also gives you an idea of what your repayments could look like.
Get my personalised quoteA quote is a quick, personalised estimate of your car loan interest rate and repayments based on basic information you provide. It’s an obligation-free quote, doesn't impact your credit score, and helps you understand if you qualify for a car loan.
An application is a formal request for a loan. It involves providing more detailed information and supporting documents. Once submitted, your application goes through a full credit assessment.
Refinancing your car loan means replacing your existing loan with a new one, often at a lower interest rate or with better features. This could help reduce your repayments, shorten your loan term, or free up cash flow.
People refinance to:
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Access a lower rate and save on interest
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Reduce their monthly repayments
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Pay off their loan faster
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Switch to a loan with better features
Yes. You don’t need to pay out your loan before refinancing. loans.com.au can help you switch your current loan to us, and we’ll handle the payout of your existing lender.
You can get started online in minutes by requesting a quick quote or booking a chat with one of our car lending specialists who can guide you through our process and answers any questions you may have.
The process can be completed quickly, often within a few days, depending on how fast you provide your documents and how long your current lender takes to process the payout. Our team will keep you updated from application through to settlement.
Our car loan application process
Start with a quick quote
Find out what your personalised rate and estimated repayment could be.
Speak to your Specialist
Chat with your lending specialist who will guide you through the refinance process.
Apply online
You can begin your application.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Approval & Signing
Review and sign your car loan documents and loan agreement via onTrack.
Settlement
You’ll need to request a payout letter from your current lender to close your loan with them. When your loan settles with us, we’ll pay the funds directly to them.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
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Save with our competitive interest rates
Refer your friends or family to loans.com.au and earn big rewards!
When they settle a home loan with us, you'll both receive a $1,000 reward. Plus, if they choose a car loan, you'll get a $250 bonus, and they'll enjoy $150 off their settlement fee. It's our way of saying thanks for spreading the word!+
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Can you refinance a fixed rate car loan to a variable loan?
If you don’t want to be at the mercy of rate changes, moving from a variable loan to a fixed rate car loan may be a good idea. With a car loan refinance, you can switch from your current loan to a finance solution that fits your current situation better.
Car Loan Refinance: Is it right for you?
Car loan refinance involves exiting your current car loan to enter a new one, switching lenders in the process. Because there’s a lot of work that goes into refinancing a car loan, you need to be certain that you’re making the right call.
Will refinancing my car loan lower my repayments?
Refinancing your car loan can reduce repayments and save on costs. Learn how your current loan, financial situation, and refinance type affect your savings potential.
Guide to refinancing a car loan
Is it worth it to refinance your car loan?
Andrew
Lending Specialist
Have questions?
Talk to one of our lending specialists
Talk to one of our lending specialists
Our experienced car lending specialist, Andrew and his team can answer all your questions to get you on the road sooner with your personalised rate.