Think you have the cheapest car loan?

Fasten your seatbelts and get the keys to your dream car. Our online applications make it easy for your to get approved in less than 24 hours~ so you can start saving and drive away sooner.

Get a low interest rate car loan today

Buying a car is an exciting purchase - whether it’s buying your first car to learn to drive in, your first new car after having the same vehicle a number of years or upsizing for your family. We’re here to help you get your finance sorted so you can get the keys to your car in no time.

Whether you’re buying dealer new, used or demo, we’re here to assist with some of the lowest rates in market. We’ll even offer a ‘green’ discount if your car is hybrid or electric! Read on to find out why our customers have trusted us with their car loan.


Talk to a lending specialist

Book a time that suits you to chat with a car lending specialist.


Get pre-approval so you can shop with confidence

Call us on 13 10 90 or simply start your online application.

Whatever type of car loan you're after, we can help


Green Car Loans

We care about the environment, and we want you to care too. That's why we want to reward you for going green. Our green car loan will save you more with a discounted loan rate for qualifying electric and hybrid cars, and no ongoing, monthly or annual fees.


New Car Loans

We can help you get the keys to your dream car sooner with our low rate new car loans. There won't be any surprises because you'll always know exactly how much you'll be paying with our fixed rates and zero ongoing, or monthly fees.


Used Car Loans

At we can help you drive away in your used car sooner. With our fixed low rate used car loans, you'll receive no ongoing, or monthly fees, helping you save even more on your vehicle.


Refinancing Car Loans

Sick of paying too much on your existing car loan? We're here to help. We make refinancing your car loan easy. Get approved in minutes and get to settlement in a few simple steps so you can start saving, sooner.

We're recognised & awarded by the Australian financial industry. View all awards


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.

Green Car Loan
  • 3.29%
    fixed rate p.a.**
  • 3.83%
    comparison rate p.a.*

Get a ‘green car’ rate discount if your car qualifies!

Why do people choose us? is an award-winning online lender that is proudly Australian and based in the heart of Brisbane, with offices in other capital cities.


Low interest rates

We can offer extremely low rates because our online model is so efficient. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for our customers.


Australian based support team

We have an experienced, Australian based team. At every step of the way, you’ll talk to a real person from our friendly team of lending specialists who are here to help you.


Flexible options

We offer flexible options for your car loan, with the option of a 3, 4 or 5 year term. Plus, we offer the option to add a balloon repayment to the end of you loan to reduce your regular repayments, and we offer a green car loan discount if your car is electric or hybrid.


Award winning

By keeping our interest rates low and revolutionising the loan application process, we keep on winning awards for our products, innovations and customer service, year after year!


Hassle free

For both our home and car loans, you can find out if you pre-qualify in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.


onTrack advantage

onTrack is our online app which allows you to complete your home loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your loan application in your own time, as it suits you.

Our car loan 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.

Common car loan questions

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.
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.
In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. may then approve your loans, issue the documents and you settle, and we then pay the funds to the dealer so you can collect your car.
A balloon payment is a one-off lump sum that you 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.
Green cars are usually very fuel efficient and often have lower running costs. At this stage, will only consider hybrid and electric cars to be eligible for the green car discount. To check if your car qualifies for the Green Car discount, chat to us on Live Chat or 13 10 90.
There are many benefits to going green when choosing your next car. Whether it be fewer carbon emissions, fewer trips to the petrol station or potential tax and rego benefits, it’s certainly worth considering a Green car.

How it works

Whether you’re looking for the car of your dreams at a low rate or simply want to stop paying too much on your existing car loan, we’re here to make it easy for you.

Here’s the step-by-step process on how you can get a car loan to buy your dream car.

Car Loans - Purchase

Are you ready to pay your loan off sooner and own your own car? Here’s how you can.

Car Loans - Refinance

Customer feedback

Jenny B.

November 19, 2021

Julie S.

October 26, 2021

Nicki P.

October 21, 2021

Car loan calculator

Estimate your car loan repayments below.

Use our car loan calculator as a general guide on what your car loan repayments will look like.

This calculator will also tell you how much you may pay in total over the life of your loan. To use this calculator, simply enter your estimated vehicle value, loan term, any initial deposit, and the amount of any balloon payment (a lump sum payment payable at the end of the loan).

Loading Calculator



Your estimated repayments are

$ {{workbookData.repaymentPerMonth}} monthly f/nightly weekly

Ready to get started?

Useful Resources

We’ve put together handy guides for everything you need to know when it comes to taking out a car loan, so all the information is here in one place.


Guide to buying a car

Most people have questions as they start on the car buying journey, so we have pulled together some articles to help you.

From tips on how the car loan process works, to information on buying a car, you can find it here.

Buying car

A car is a big purchase and not one you want to rush into so we’ve prepared this checklist to help you get the right car at the right price.

Buying car

Buying a used car can save you thousands of dollars, but there is a risk that you might buy a lemon. Here some of the things to consider before you buy.

Buying car

Follow our car buying advice and tips and you’ll end up with a great deal on your car purchase during sales time.

Buying car

Apart from a house, a car is one of the most expensive things you can buy, so figuring out financing is one of the first steps towards buying a car.

Buying car

Getting your own set of wheels is a very rewarding experience. But even so, a high monthly car payment can be a burden to your wallet. Here are ways to cut your repayments.

Questions? We can help


Chat online now

Send us a Live Chat with any car loan questions you have and we’ll respond straight away.


Talk to a car lending specialist

Our experienced team of car lending specialists are here to help you. Book an appointment and we can answer any questions you have.

TAP to chat!