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Fixed Rate Car Loans

Enjoy competitive interest rates and useful loan features with a fixed rate car loan. Get the best deal on your car finance today!

Multi-award winning

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Fixed Car Loan
New/Demo

6.59
%
p.a
Rates from**
7.72
%
p.a
Comparison rate*
  • Discounted rates for Home Owners
  • Demo vehicles acceptable up to 7500 kms^
  • Balloon option available**
  • Up to 7 year loan term
  • Peace of mind with an unchanging repayment amount
  • Get Preapproved to confidently secure your car financing
Our Google Rating
4.5
515 reviews

Top reasons to choose a fixed rate car loan

Fixed rate certainty

You’ll know exactly how much your repayments are, and for how long.

Easy online application

Apply in minutes with convenient document upload and quick approval.

Australian based

Our lending specialists are here to chat to you when you may need us.

Award winning

Our car loans are award winning, which could be a win for your budget too.

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
Repayment frequency
Loan term
%
Most Popular

Fixed 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
6.59% p.a.
7.72% p.a.

Estimated repayments#
$670.19 per month
Loan amount
$45,000
Interest charged
$11,296

Why apply for a fixed rate car loan with loans.com.au?

Lock in a low rate for the entirety of your car loan with a fixed car loan! Easily budget for the future with predictable repayments. Make the most of car loan features like balloon payments and more. Find a loan tailored to fit your financial needs.

Getting the best deal on your car loan is easy when you apply with us! Our streamlined online process means you may receive approval within 24 hours of submitting your application and all the needed documents.

Getting started is simple

Fill out the online application (it takes only two minutes!) or speak to one of our car loan specialists who will take care of all the paperwork for you. Get car loan approval within 24 hours if you’ve submitted all the necessary documents and requirements.

Start saving sooner with loans.com.au, powered by one of Australia’s largest non-bank lenders.

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Talk to a car loan expert

Book a time that suits you! Chat with our car loan specialists for more assistance with your application.

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Ready to apply or want pre-approval?

Call us at 13 10 90 or get your online application started.

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Rates
Fixed Interest Rate: Comparison Rate:
Fixed Car Loan - New/Demo^ 6.59% p.a.** 7.72% p.a.*
Fixed Car Loan - Green/Electric 6.09% p.a.** 7.22% p.a.*
Fixed Car Loan - Used < 3 years old 7.29% p.a.** 8.42% p.a.*
Fixed Car Loan - Used < 5 years old 7.39% p.a.** 8.52% p.a.*
Key Features Flexible loans
Approval within 24 hours
Borrow from $5,000 to $150,000
Easy online process
Access your account via Smart Money app
Repayments Frequency Weekly, monthly or fortnightly
Estimated repayments $168 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.59% p.a. paying fixed rate.

View car loan calculator

Fees

Application fee

$400
Monthly fee $8
Discharge fee $0
Early termination fee $700 in the first and second years of the loan term. $500 in subsequent years of the loan term (excluding final year).

Fixed

Fixed Car Loan - New/Demo^ Interest Rate: 6.59% p.a.**
Comp Rate: 7.72% p.a.*
Fixed Car Loan - Green/Electric Interest Rate: 6.09% p.a.**
Comp Rate: 7.22% p.a.*
Fixed Car Loan - Used < 3 years old Interest Rate: 7.29% p.a.**
Comp Rate: 8.42% p.a.*
Fixed Car Loan - Used < 5 years old Interest Rate: 7.39% p.a.**
Comp Rate: 8.52% p.a.*
Flexible loans
Approval within 24 hours~
Borrow from $5,000 to $150,000
Easy online process
Access your account via Smart Money app
Frequency Weekly, monthly or fortnightly
Estimated repayments $168 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.59% p.a. paying fixed rate.

View car loan calculator

Application fee $400
Monthly fee $8
Discharge fee $0
Early termination fee

$700 in the first and second years of the loan term.

$500 in subsequent years of the loan term (excluding final year).

2024 WeMoney - Best Electric Car loan 2023 WeMoney - Best Usesd Car Loans 2023 Wemoney - Exellent fee Car Loans Gold Award - Best Green Car loan Gold Award - Best New Car Loan
Our car loan products are recognised & awarded by the Australian financial industry

Low rate car loan eligibility

Join our other customers

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

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 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

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 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

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 start enjoying the benefits of your low-rate car loan!

Fixed Car Loan FAQs

A car loan where the interest rate stays the same throughout the loan term is called a fixed rate car loan. With this type of loan, you pay a set amount every repayment period for the whole duration of the loan.

A variable interest rate changes frequently, meaning loan repayments can increase and decrease each payment. A fixed interest rate remains the same for the entire loan term, meaning repayments will always be the same.

Fixed and variable rate car loans offer their own advantages and disadvantages. Consider your financial situation and what you need out of your car loan to figure out which one works best for you.

You can talk to one of our car loan specialists at 13 10 90 to learn more about your car finance options.

Yes, you can add a balloon payment to your fixed rate car loan. Balloon payments can help lower your repayments making it more manageable.

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Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
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Complete our quick application form to find out if you qualify.

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