CarClarity Car Loan

Main points to consider with a CarClarity car loan

CarClarity is not a lender, but a professional car loan broker and loan comparison website that is able to match you with 3 to 30 lenders that suit your requirements. It does so based on a short application process involving a few questions about your needs and your financial circumstances.

With a CarClarity car loan, you can usually apply for finance from $1,000 to $250,000 and use the funds to purchase a new or used car, for either personal use or corporate purposes. Loan terms vary from 1 year to 7 years.

Applying through CarClarity does not affect your credit score. However, if you officially apply for a loan from one of its partnered lenders, the application will usually be recorded on your credit record.

Features of the CarClarity car loans

• Quick application. Applications take just 10-20 minutes to complete.
• Quick comparison. Compare matched lenders in just one minute.
• Estimate your repayments. CarClarity's loan calculator allows you to estimate your potential repayments with ease.
• Range of lenders. CarClarity allows you to compare over 30 lenders with a single application.
• View loan details. You can view details such as loan interest, comparison rates, loan features and fees all on one dashboard.
• Loan amount. Different lenders offer different loan amounts. Depending on the lender you opt for, you may be able to apply for a loan from $1,000 to $250,000.
• 100% online application. Apply online 24 x 7.
• Loan term. Terms vary from one to seven years. Be aware that not all lenders may offer the same loan terms.
• Flexible repayments. Depending on your lender, repayments can usually be made weekly, fortnightly or monthly by direct debit.
• New and used. You can purchase both new cars and used cars using this platform.
• Business finance options. CarClarity specialises in ABN Loans & Financing for Sole Traders & Businesses.
• No credit check. Comparing car loans using the CarClarity platform does not affect your credit rating.
• Finance for All Vehicle types. Looking to finance a boat, caravan or other vehicle - CarClarity can help.

Fees and charges

• Interest rate. Rates start from just 5.99% p.a.
• Comparison rate. Comparison rates start from 7.92% p.a.
• Application fee. You must pay a fee of $499 to apply through CarClarity.
• Monthly administration fee. A monthly administration fee of $9.90 applies.
• Broker fee. A $350 broker fee applies.

How to apply

If you meet the above criteria and are interested in applying for a loan using CarClarity's broker service, simply click "Go to site" and submit a short application form.

In order to qualify, you must meet the following criteria:

• Be aged 18 years+
• Be an Australian permanent resident
• Have a source of income

Different lenders will have varying eligibility criteria, so it's important that you thoroughly check the requirements of the lender that you wish to apply with prior to submitting a loan application.

While CarClarity allows you to compare various lenders, it's still always a good idea to compare car loan options yourself before submitting an application.

Compare car loan providers

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
OurMoneyMarket New Car Loan Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Simplify New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
loans.com.au - New - Variable Rate Special Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.74%	Comp. Rate (p.a.) 7.36% to 8.85%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to siteMore Info Compare
Credit Concierge New Car Loan Fixed1 - 7 Years $10,000 - $100,000	Interest Rate (p.a.) 6.29% to 16.45%	Comp. Rate (p.a.) 7.41% to 17.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $637.97	Go to siteMore Info Compare
Simplify Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.
RACV New Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.29% to 16.99%	Comp. Rate (p.a.) 8% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $635.67	Go to siteMore Info Compare	You'll receive a fixed rate from 7.29% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Credit Concierge Used Car Loan Fixed1 - 7 Years $10,000 - $1,000,000	Interest Rate (p.a.) 6.8% to 17.45%	Comp. Rate (p.a.) 7.56% to 18.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $642.74	Go to siteMore Info Compare
RACV Used Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 8.49% to 16.99%	Comp. Rate (p.a.) 9.21% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $647.01	Go to siteMore Info Compare	You'll receive a fixed rate from 8.49% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.

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