NRMA Car Loans

Whether you’re buying a new or used car, caravan or motorcycle, NRMA may have a financing option for you.

NRMA is Australia's largest member organisation and one of Australia's most well-known car and vehicle service providers. It offers car-related services to members, which includes car loans and insurance. It's not necessary to be a member of the NRMA to take out a loan, but if you are a member you can take advantage of a discounted rate.

NRMA Car Loan Offer

NRMA New Car Loan


5.99 % p.a.

fixed rate


6.55 % p.a.

comparison rate

  • Low fixed interest rate
  • No ongoing fees
  • Borrow from $5,000
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100% confidential application

NRMA Car Loan Offer

You could get a new car with an NRMA Car Loan featuring a fixed rate of interest and no monthly fees

  • Interest rate from: 5.99% p.a.
  • Comparison rate: 6.55% p.a.
  • Interest rate type: Fixed
  • Application fee: $399
  • Minimum loan amount: $5,000
  • Maximum loan amount: $100,000
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How do NRMA car loans compare?

Rates last updated August 16th, 2018
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
NRMA New Car Loan
From 5.99% (fixed)
1 to 7 years
Purchase a new car with an NRMA Car Loan with a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
NRMA Used Car Loan
From 6.99% (fixed)
1 to 7 years
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
NRMA Motorcycle Loan
From 6.99% (fixed)
1 to 7 years
Finance your brand new motorcycle with a competitive 6.99% p.a.
NRMA Boat Loan
From 6.99% (fixed)
1 to 7 years
Purchase a new boat with NRMA and enjoy no monthly fees and flexible repayments.
NRMA Caravan Loan
From 5.99% (fixed)
1 to 7 years
A competitive fixed rate to help you purchase a new or used caravan.

Compare up to 4 providers

  • Secured Car Loan. You can attach a new or used car, motorcycle, caravan, motorhome, caravan or boat, or even refinance an existing car loan with the Secured Car Loan from NRMA. You can get a competitive fixed rate from 5.99% p.a. and have up to 7 year(s) to repay it. You can borrow between $5,000 and $100,000 and enjoy no monthly fees. Five-hour pre-approval is also available you can receive your funds on the next day following approval.

Is your vehicle eligible to be used as security?

Any of the following vehicles may be able to be used for finance:

  • New or used cars
  • A new motorcycle
  • A caravan or motorhome
  • A new boat

How you can apply for an NRMA Car Loan

If you're interested in applying for the NRMA Secured Car Loan, you can get your application started conveniently online. First, make sure you meet the application criteria as outlined below:

  • The loan amount is more than $5,000
  • You are over 18 years of age
  • You haven't defaulted on any loan or credit within the last three years
  • You haven't entered bankruptcy within the last seven years
  • You're an Australian citizen or permanent resident
  • You can provide evidence of a regular income

The application process will take about ten minutes to complete. Before you begin, make sure you have the following details on hand:

  • Current driver's licence
  • Employment details including your employer's contact information and how long you've been employed
  • Your financial information such as your income, assets, savings, details of your other loans and your expenses

You do not have to be an NRMA Member, but by taking out NRMA membership it may entitle you to qualify for an instant saving on an NRMA car loan. If you are an NRMA Member, then having the membership number handy when applying ensures taking advantage of any member savings.

Car Loan Offers

Important Information*
IMB New Car Loan

Borrow up to $75,000 for a new car up to two years old. Competitive 5.99% p.a. rate available to all approved applicants. - New Car Loan

This car loan is for new cars and offers a low fixed rate and no ongoing fees.

Latitude Motor Vehicle Loan

Apply online to finance a new or used motor vehicle and receive a response in 90 seconds. You will receive a competitive tailored rate of between 6.99% p.a. to 14.99% p.a. based on your risk profile.

Stratton Finance New Car Loan

Apply for up to $100,000 and have up to 7 year(s) to repay. You can use cash or trade in a vehicle to use as a deposit.

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14 Responses

  1. Default Gravatar
    June 15, 2018

    I am a retired pensioner. Want to live in a caravan. Need to find finance for around $30,000 Do I qualify. Pension is $900 a fortnight. Not working.

    • finder Customer Care
      JoelJune 16, 2018Staff

      Hi Helene,

      Thanks for leaving a question on finder.

      If you are looking to apply for a car loan with NRMA, simply click HERE. If you would like to compare other providers who can help you with your caravan loan, we have a comparison HERE.


  2. Default Gravatar
    LalaineMarch 18, 2016

    Hi how do I apply from here?

    • finder Customer Care
      ElizabethMarch 21, 2016Staff

      Hi Lalaine,

      You can apply for this loan by submitting your application directly on NRMA’s website.

      I hope this has helped,


  3. Default Gravatar
    GabbyMarch 17, 2015

    How old can the car be

    • finder Customer Care
      ShirleyMarch 17, 2015Staff

      Hi Gabby,

      Thanks for your question.

      The age of the vehicle is often assessed on a case by case basis. Most lenders are willing to accept vehicles that are less than 5-7 years old as security for the loan.


  4. Default Gravatar
    February 27, 2015

    do you accept family tax benefit a & b, foster care allowance and carer allowance as income? total income per month is $4,600. could i borrow $12000?
    thanks Jenny

    • finder Customer Care
      ShirleyFebruary 27, 2015Staff

      Hi Jenny,

      Thanks for your question.

      Please note that is an online comparison service and does not represent NRMA. If you would like to discuss your eligibility or options, please get in touch with NRMA directly.

      Centrelink benefits are often accepted as income, but generally you’ll need an income from another source, such as employment.


  5. Default Gravatar
    MareeJanuary 18, 2015

    Can we apply for to build a caravan back for a vehicle we own?

    • finder Customer Care
      ShirleyJanuary 19, 2015Staff

      Hi Maree,

      Thanks for your question.

      Yes you can apply to build a caravan back with this loan.


  6. Default Gravatar
    AnnieJuly 12, 2014

    I am a Pensioner (62) have small mortgage payment each month, & have $850 clear(from Pension) each month after expenses, annual earnings $22,000 + I have a casual job with upwards of $150 per fortnight.
    I am wanting a car loan of $12,000. I am a NRMA Gold Member.
    What are my chances? & what rate will apply?
    Be grateful for a reply
    Thanks Annie

    • finder Customer Care
      ShirleyJuly 14, 2014Staff

      Hi Annie,

      Thanks for your question.

      The conditions for this loan are as follows:
      -The loan amount is more than $5,000
      -You are over 18 years of age
      -You haven’t defaulted on any loan or credit within the last three years
      -You haven’t entered bankruptcy within the last 7 years
      -You’re an Australian resident or citizen
      -You can provide evidence of a regular income

      You’ll need to be able to show that your income can service your repayments. Since your loan amount is less than $15,000 the discount may not apply. Please refer to the interest rate on this page.

      If you have any questions about your eligibility, please speak to the customer service team at NRMA as they will be able to provide you with a more informed answer.


  7. Default Gravatar
    SherrinFebruary 19, 2014

    Hi, I am a single mum receiving a pension, is it possible for me to get a secure car loan?

    • finder Customer Care
      MarcFebruary 20, 2014Staff

      Hi Sherrin,
      thanks for the question.

      To be eligible to apply for this loan with a pension you must be earning over $1,500 a month and fully own your home.

      I hope this helps,

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