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5.69% variable rate p.a.^
6.24% comparison rate p.a.*

Estimated Repayment# $445.64 / month

Refine repayment

$

years

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What’s so good about our new car loans?

Buying a new car is such an exciting time, so we’re here to help with finance so your purchase is as seamless as possible.

If you’ve been to the dealer and found the right car for you, you can apply online in under 2 minutes for new car financing. Chat to us, get approved, get the keys and drive away sooner. It’s that easy!

We can assist with car loans for dealer new and used cars for vehicles 5 years old or younger for a low rate.

Get started

Apply online for your New Car Loan today. Or, chat to one of our friendly lending specialists and they can can do the hard work for you, managing your application quickly and easily over the phone.

Either way, we’re here to help settle your loan quickly so you can get the keys to your brand new car sooner.

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Talk to a car loan expert

Book a time that suits you to chat with a new car loan specialist and we’ll take care of the paperwork for you.

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Ready to apply?

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

Car Loan Rates

Our Car Loan Interest Rates

Car loan Type

Interest rate p.a.**

Comparison rate p.a*

Rate type

Balloons available

Green - Hybrid or electric

4.64%
4.99%

5.19%
5.54%

Variable
Fixed

No
Yes

New - Special^

4.74%
5.69%

5.29%
6.24%

Variable
Fixed

No
Yes

New

5.34%
6.49%

5.89%
7.04%

Variable
Fixed

No
Yes

Green - Hybrid or electric

Variable
4.64%
5.19%
Var rate p.a
Comp rate p.a
Balloon availability:
Fixed
4.99%
5.54%
Fixed rate p.a
Comp rate p.a
Balloon availability:

New Car - Special^

Variable
4.74%
5.29%
Var rate p.a
Comp rate p.a
Balloon availability:
Fixed
5.69%
6.24%
Fixed rate p.a
Comp rate p.a
Balloon availability:

New Car

Variable
5.34%
5.89%
Var rate p.a
Comp rate p.a
Balloon availability:
Fixed
6.49%
7.04%
Fixed rate p.a
Comp rate p.a
Balloon availability:

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

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

Top reasons to choose this loan

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No monthly, ongoing
or annual fees

Once you’ve paid off your car loan, congrats! We won’t charge you a nasty discharge fee. Enjoy your dream car!

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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.

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Approval within 24 hours~

No one wants to wait around for an answer. We’ll be sure to let you know in 24 hours if your used car loan is approved, so you can get the keys to your car sooner.

New Car Loan FAQs

You can save time and heartache if you get pre-approval for a loan before negotiating for your new 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 new 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.
You certainly can! A balloon payment is a one-off lump sum that you might 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.

It’s important to note - the balloon repayment option is only available if you get a fixed car loan, and will not be available for the variable car loan.
In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. loans.com.au 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 new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.
When comparing car loans, you should not only consider the base rate, but the comparison rate, loan term in number of years, if there are any extras available such as a balloon repayment. As always, it’s important to keep an eye out for any fees you may be charged. At loans.com.au, we charge no annual, ongoing or monthly fees for any of our loans.
You are able to refinance your car loan after you’ve purchased your car. At loans.com.au, we have a simple car loan refinance process to help you get a lower rate on your car loan so you can stop paying too much on your car loan repayments. For the documents you’ll need to refinance your car loan, watch our video here:

What documents do I need to refinance a car loan?
You absolutely can, and we’re here to help you do it. At loans.com.au, we make the new car loan process easy from application to settlement. Chat to one of our car loan specialists today and they can help you with your new car loan application today. For information on how to get a new car loan online, watch our video here:

How to get a car loan to buy a car
At loans.com.au, we offer car loans for either a 3, 4 or 5 year term.
To apply for a new car loan, you’ll need one payslip, the vehicles details, a list of your assets, a list of your liabilities and the proposed vehicles details. For a full list of the documents you’ll need to gather to apply for a new car loan and the process for application, you can watch our video here:

What documents do I need to apply for a car loan?

See how low your car loan repayments could be.



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Ready to get started?

Why do people choose us?

loans.com.au is an award-winning online lender. We’ve been making it easy for Aussies to save thousands on their home and car loans for the last 10 years.

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Low rates & fast decisions

Our online model means we can offer extremely low rates to help you buy your new car. Fewer overheads and efficient processes means we can pass those savings directly to our customers and assess applications quickly, so you can get your brand new car on the road sooner and for a lower rate.

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Australian based support team

We have an experienced, Australian-based team of experts. At every step of the way, you’ll talk to a real person from our friendly team of car loan specialists who are here for you and genuinely want to help you get the keys to your new car.

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Flexible options

No matter what car you’re looking at, it’s likely we can help you. If you’re at the dealership, we can assist with anything from brand new cars to cars up to 12 years old. Plus, you can choose either a low rate variable or fixed loan, and a balloon payment may be optional.

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Award winning

By keeping our interest rates low and the loan process simple, experts continue to recognise us with awards for our products, innovations and customer service, year after year, since 2011!

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Hassle free

Find out if you qualify for our new car loans in just minutes. The application process is simple, online, plus we’re here to help at each step of the way.

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onTrack advantage

onTrack is our online app which allows you to complete your car 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. But as always, we’re here to help!

Read some of our real good feedback.

Our Google Rating

4.7

| 392 reviews

Kristy D.

July 26, 2022

Steve S.

July 06, 2022

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At loans.com.au, we help people into their dream homes and cars.

For the last 10 years, thousands of Aussies have trusted our experienced & locally based team with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Our customers trust us to support them with low home loan and car loan rates, approved quickly through our easy-to-use online app.

loans.com.au is completely safe and financially backed by Firstmac, Australia’s 12th largest lender. Firstmac has been operating successfully for more than 40 years, and has $16 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

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. .

New Car Loan

If you wish to own a new car, saving up for it requires  discipline. While it can be quite a challenge to get, here are seven money saving tips to reach your goal.

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The flawless paintwork, the performance options, the ride, the comfort, and that smell. There is so much to like about buying a new car. But no-one likes paying top dollar so planning ahead can make a noticeable difference to the price tag.

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New year, new you, new car? If you’re planning on buying a car this year, then there are certain times that can make binding a good deal a bit easier.

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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.

New Car Loan

Next to a house, a new car is probably the biggest purchase you will make, so choose wisely. Follow our checklist for buying a new car.