SWS Bank Car Loans Review
We break down the fixed-rate car loans from SWS Bank, including fees, features and who they’re best suited for.
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South West Slopes Bank offers 4 different vehicle loans, depending on whether you want variable or fixed, or you're after a commercial vehicle.
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South West Slopes Bank lender profile
- Formed in 1972, SWS Bank was founded by employees from various councils in the South West Slopes region of NSW.
- Today South West Slopes Bank has over 15,000 members, with branches in Young, Temora, West Wyalong and Cootamundra.
- South West Slopes Bank also offers insurance, saving and deposit accounts, home loans, personal loans, financial education services and green loans for energy efficient products.
What do I need to know about SWS Bank’s car loans?
- Fees: None of the bank’s car loans have application, account or establishment fees.
- Borrowing amounts: You can borrow up to $200,000 for all of its car loans.
- Redraw facility: Its loans offer a free redraw facility.
- Car age: SWS lends for cars less than 3 years old.
- Loan term: Repay over 5 or 7 years, with a lower interest rate for the 5 year term.
- Additional repayments: You can make extra repayments towards your loan at no extra cost.
- Internet banking: Keep on top of your remaining loan balance through internet banking.
How do I apply for a SWS car loan?
You can apply for a car loan online or in a local branch.
To be eligible you will need to:
- Be over 18 years old.
- Be living in Australia.
- Be an Australian citizen or permanent resident.
- Become a member of SWS Bank.
During the application process you will need to provide details of your income and any other debts.
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