SWS Bank Car Loans Review

No reviews yet. Write a review

South West Slopes Bank offers 4 different vehicle loans, depending on whether you want variable or fixed, or you're after a commercial vehicle.

3 of 3 results

Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
9.9 Excellent SWS Bank 5 Year Variable Interest Vehicle Loan Finder AwardVariableUp to 5 Years $1,000 - $200,000	9.9 Excellent	Interest Rate (p.a.) 5.79%	Comp. Rate (p.a.) 5.79%	Application Fee $0	Monthly Fee $0	Monthly Repayment $909.81	View details Compare product selectionCompare	loading
9.7 Excellent SWS Bank 7 Year Variable Interest Vehicle Loan Variable1 - 7 Years $1,000 - $200,000	9.7 Excellent	Interest Rate (p.a.) 6%	Comp. Rate (p.a.) 6%	Application Fee $0	Monthly Fee $0	Monthly Repayment $912.66	View details Compare product selectionCompare	loading
8.4 Great SWS Bank Secured Personal Loan VariableUp to 15 Years $500 - $200,000	8.4 Great	Interest Rate (p.a.) 8.5%	Comp. Rate (p.a.) 8.5%	Application Fee $0	Monthly Fee $0	Monthly Repayment $947.03	View details Compare product selectionCompare	loading

Showing 3 of 3 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 methodology

SWS Bank is a Finder Awards winner!

The SWS Bank 5 Year Variable Interest Vehicle Loan won Best Car Loan - New Cars in the 2026 Finder Awards.

Full list of 2026 winners

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.

Compare other products from South West Slopes Bank

Sources

Thank you for your feedback!

Written by

Rebecca Pike

Editor, Money

Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise

Rebecca has written 284 Finder guides across topics including:

Home loans
Personal Loans
Car Loans
Cost of living
Budgeting

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Simplify Used Car Loan
A car loan with a competitive starting interest rate in the top 20% of the market.
Simplify New Car Loan
A personal loan for property owners with one of the market's lowest application fees.
Stratton Finance Used Car Loan
This loan features a minimum interest rate that is in the top 5% of car loans in our database.
Stratton Finance New Car Loan
Finance your next vehicle with a loan that offers a minimum interest rate in the top 5% of the market.
How to check a car’s service logbook and history
Checking a car's service history can help you avoid major issues when you buy a used car. Here's how it works.
Compare car loans for classic cars
Want to buy a classic car but don't have the ready money? There are still financing options available for classic vehicles. Find out what loans you have to choose one and which one will work best for you.
Tesla Superchargers Map: Where you can charge in Australia
Find out the extent of Australia's Tesla Supercharger network with our complete map of every charging station.
IMB New Car Loan
A competitive option for new car buyers, offering a low 6.24% p.a. interest rate and no monthly fees.
Luxury Car Loans Australia
If a luxury car is on your shopping list, compare a range of loans before you apply.
RACV Car Loans
Find out the range of RACV Car loans available for you to compare. You can finance a new car and lock in a competitive rate for your loan – find out about all the fees and features that come with this loan to apply today.

SWS Bank Car Loans Review