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Promoted

loans.com.au - New/Demo - Variable Rate

Variable 3 - 7 Years $5,000 - $150,000

5.99%
to 7.14%

interest rate p.a.

7.12%
to 8.27%

comp. rate p.a.

Borrow up to $150,000 with rate discounts for electric and hybrid vehicles, flexible terms, early repayment options, and a 3-month pre-approval period.

Promoted

Simplify New Car Loan

Fixed 1 - 7 Years $10,000 - $300,000

6.19%
to 18%

interest rate p.a.

6.6%
to 23%

comp. rate p.a.

What to compare in a car loan

Interest rate

This will determine how much your repayments are, so compare lenders to get the best rate.

Loan term

The length of your loan will also impact your repayments. Longer term loans will have smaller repayments but will take longer to pay off and you'll pay more in interest. Also look out for "balloon payments", with one larger repayment at the end of the term.

Repayment structure

Check how often you need to make repayments, how you make them and if you're able to make extra repayments or repay your loan early without penalty.

Fees

Some loans come with monthly account fees or administration fees, establishment fees or early repayment fees.

What you'll need to apply

Below is a checklist of some of the information and documentation you may need to supply for your car loan application.

Identification

Driver's licence
Passport
Birth certificate
Medicare card may be required as additional documentation

Income and employment

3 recent payslips
2 years of tax returns (if self-employed)
Your after-tax income
Employment information and employer's contact details

Assets and liabilities

Details of properties or large assets (such as a car) you own
Your ongoing expenses
Credit card or store card limits
Details of loans or overdrafts

Vehicle details

Make, model, year and colour
Identification number (VIN) or chassis number
Engine number
Registration number
Purchase price

20 of 125

Product	Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Finder Score 9.5 Excellent IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Finder Score 9.5 Excellent	Interest Rate (p.a.) 5.99%	Comp. Rate (p.a.) 6.34%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $616.71	Borrow up to $125,000, pay no account-keeping fees and repay with fixed repayments while having the ability to repay early.	Go to site More info Compare product selectionCompare	loading
Finder Score 9.4 Excellent Great Southern Bank Fixed Rate Car Loan Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 6.29% to 12.99%	Comp. Rate (p.a.) 6.43% to 13.14%	Application Fee $100	Monthly Fee $0	Monthly Repayment $614.13	A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.	Go to site More info Compare product selectionCompare	loading
Finder Score 9.3 Excellent OurMoneyMarket Secured Personal Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.3 Excellent	Interest Rate (p.a.) 6.28% to 18.99%	Comp. Rate (p.a.) 6.28% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $610.98	Go to site More info Compare product selectionCompare	loading
Finder Score Not yet rated Bank of Melbourne Car Loan Fixed1 - 7 Years $3,000 - $100,000	Finder Score Not yet rated	Interest Rate (p.a.) 6.49% to 12.99%	Comp. Rate (p.a.) 7.69% to 14.14%	Application Fee $250	Monthly Fee $12	Monthly Repayment $632.55	More info Compare product selectionCompare	loading
Finder Score 7.1 Great NAB Car Loan Fixed1 - 7 Years $10,000 - $100,000	Finder Score 7.1 Great	Interest Rate (p.a.) 6.49% to 13.29%	Comp. Rate (p.a.) 8.05% to 14.79%	Application Fee $350	Monthly Fee $15	Monthly Repayment $638.61	More info Compare product selectionCompare	loading
Finder Score 7.2 Great Bank of Melbourne Fixed Secured Personal Loan Fixed1 - 7 Years $3,000 - $100,000	Finder Score 7.2 Great	Interest Rate (p.a.) 6.49% to 12.99%	Comp. Rate (p.a.) 7.69% to 14.14%	Application Fee $250	Monthly Fee $15	Monthly Repayment $635.55	More info Compare product selectionCompare	loading
Finder Score 8.5 Great UniBank Fixed Rate Car Loan Fixed3 - 6 Years $10,000 - $80,000	Finder Score 8.5 Great	Interest Rate (p.a.) 9.99%	Comp. Rate (p.a.) 10.21%	Application Fee $150	Monthly Fee $0	Monthly Repayment $650.09	More info Compare product selectionCompare	loading
Finder Score 8.9 Great MoneyPlace Secured Personal Loan Fixed3 - 7 Years $5,000 - $80,000	Finder Score 8.9 Great	Interest Rate (p.a.) 6.52% to 19.19%	Comp. Rate (p.a.) 6.95% to 20.77%	Application Fee $310	Monthly Fee $0	Monthly Repayment $622.67	More info Compare product selectionCompare	loading
Finder Score 8.7 Great Coastline Bank Secured Variable Personal Car Loan (Cars two years old or less, valuing $10K +) Variable -	Finder Score 8.7 Great	Interest Rate (p.a.) 8.5%	Comp. Rate (p.a.) 8.93%	Application Fee $300	Monthly Fee $0	Monthly Repayment $640.82	More info Compare product selectionCompare	loading
Finder Score 7.6 Great Credit Concierge Car Loan - Prime (Credit Score 800+) Fixed1 - 7 Years $10,000 - $300,000	Finder Score 7.6 Great	Interest Rate (p.a.) 6.29% to 8.29%	Comp. Rate (p.a.) 7.41% to 9.41%	Application Fee $553	Monthly Fee $10	Monthly Repayment $637.97	More info Compare product selectionCompare	loading
Finder Score 8.8 Great Queensland Country Bank Business New Car Loan VariableUp to 7 Years -	Finder Score 8.8 Great	Interest Rate (p.a.) 6.59%		Application Fee $120	Monthly Fee $5	Monthly Repayment $622.48	More info Compare product selectionCompare	loading
Finder Score 8.7 Great Fire Service CU Secured Personal Loan VariableUp to 5 Years $5,000 -	Finder Score 8.7 Great	Interest Rate (p.a.) 8.95%	Comp. Rate (p.a.) 10.31%	Application Fee $200	Monthly Fee $0	Monthly Repayment $641.88	More info Compare product selectionCompare	loading
Finder Score 6.7 Standard CommBank Fixed Rate Personal Loan Fixed1 - 7 Years $4,000 - $50,000	Finder Score 6.7 Standard	Interest Rate (p.a.) 7.75% to 19.75%	Comp. Rate (p.a.) 9.15% to 21.05%	Application Fee $250	Monthly Fee $15	Monthly Repayment $647.23	More info Compare product selectionCompare	loading
Finder Score 9.6 Excellent Heritage Bank Green Car Loan Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.6 Excellent	Interest Rate (p.a.) 5.69%	Comp. Rate (p.a.) 6.04%	Application Fee $250	Monthly Fee $0	Monthly Repayment $613.2	More info Compare product selectionCompare	loading
Finder Score 6.4 Standard BankSA Unsecured Fixed Rate Personal Loan Fixed1 - 7 Years $2,000 - $50,000	Finder Score 6.4 Standard	Interest Rate (p.a.) 7.49% to 20.59%	Comp. Rate (p.a.) 8.54% to 21.59%	Application Fee $250	Monthly Fee $15	Monthly Repayment $644.81	More info Compare product selectionCompare	loading
Finder Score 9.5 Excellent RACQ Bank Car Loan FixedUp to 7 Years $3,000 - $100,000	Finder Score 9.5 Excellent	Interest Rate (p.a.) 6.69%	Comp. Rate (p.a.) 6.86%	Application Fee $0	Monthly Fee $0	Monthly Repayment $614.71	More info Compare product selectionCompare	loading
Finder Score 9 Excellent Bank Australia Personal Loan Property Owner Green CompanyVariable1 - 10 Years $1,000 -	Finder Score 9 Excellent	Interest Rate (p.a.) 7.89%	Comp. Rate (p.a.) 8.92%	Application Fee $150	Monthly Fee $0	Monthly Repayment $630.41	More info Compare product selectionCompare	loading
Finder Score 8.8 Great Queensland Country Bank New Car Loan up to 3 years old VariableUp to 7 Years $1,000 - $150,000	Finder Score 8.8 Great	Interest Rate (p.a.) 6.99%	Comp. Rate (p.a.) 7.59%	Application Fee $120	Monthly Fee $5	Monthly Repayment $626.16	More info Compare product selectionCompare	loading
Finder Score 8.3 Great P&N Bank Car Loan Fixed1 - 5 Years $5,000 - $150,000	Finder Score 8.3 Great	Interest Rate (p.a.) 8.24%	Comp. Rate (p.a.) 8.9%	Application Fee $199	Monthly Fee $5	Monthly Repayment $640.2	More info Compare product selectionCompare	loading
Finder Score 8.4 Great SocietyOne Car Loan Fixed2 - 7 Years $5,000 - $70,000	Finder Score 8.4 Great	Interest Rate (p.a.) 8.2% to 23.99%	Comp. Rate (p.a.) 8.27% to 27.64%	Application Fee $50 - $645	Monthly Fee $0	Monthly Repayment $648.85	More info Compare product selectionCompare	loading

Showing 20 of 125 results

Finder Score for car loans

To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.

Read the full Finder Score methodology

Why compare car loans with Finder?

It's 100% free

You won't be charged for clicking through to one of our car finance partners. We get paid out of their pocket – not yours.

It's quick and easy to use

Our side-by-side car loan comparison makes it easy to find a car loan that is a good fit.

Thank you for your feedback!

Written by

Alex Jeffs

Publisher

Alex Jeffs is the senior publisher for automotive content at Finder. He has tested vehicles everywhere from Tasmania to Oodnadatta. See full bio

Alex's expertise

Alex has written 53 Finder guides across topics including:

Automotive industry
Car finance
Car insurance
Personal finance

Carma review RACV Green Car Loan

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