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.

No reviews yet. Write a review
Rebecca Pike's headshot

By

Rebecca Pike

Updated

Fact checked
SWS Bank

Start comparing

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
Updated regularly
Finder Score Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
SWS Bank logo
Finder Score
9.1 Excellent
SWS Bank Secured Personal Loan
VariableUp to 15 Years $500 - $200,000
Finder Score
9.1 Excellent
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 selection
SWS Bank logo
Finder Score
9.9 Excellent
SWS Bank 5 Year Variable Interest Vehicle Loan
Finder AwardVariableUp to 5 Years $1,000 - $200,000
Finder Score
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 selection
SWS Bank logo
Finder Score
9.8 Excellent
SWS Bank 7 Year Variable Interest Vehicle Loan
Variable1 - 7 Years $1,000 - $200,000
Finder Score
9.8 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 selection
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

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

Rebecca Pike's headshot
Written by

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 272 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

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

  • Harmoney Car Loan

    Looking for a car loan that’s fast, flexible and 100% online? Check out the Harmoney Car Loan here.
  • 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.
  • Refinance Car Loans

    If you are unhappy with your current car loan, refinancing it could be the right choice for you. Most people refinance their car loan to get a lower interest rate, get more flexibility in their car loan or get more additional features. Read our guide to see if it's right for you.
  • Cheap Car Loans Australia

    When you're shopping around for a new car, you surely want the cheapest car loan possible.
  • Best Car Loans in Australia for 2025

    The best car loan isn't necessarily the one with the lowest rate. Learn how to spot the best car loans and compare 15+ car loan products with Finder.
  • Car loan repayment calculator

    Our car loan repayment calculator will help you work out how much your monthly, weekly or fortnightly car loan repayments will be to help you budget.
  • Secured Car Loans Australia

    If you're looking to a buy a car you can consider a secured car loan to help finance your vehicle purchase. The loan is guaranteed so you can enjoy a lower interest rate – compare your options and apply today.

  • Used car loan rates Australia

    You can still get a car loan if you want to finance a used car. Find out how you can get a used car loan and see what rates are available for the used car you want. Learn how to best compare lenders and apply for your loan today.

  • New Car Loan Interest Rates Australia

    Whether you're upgrading your current car or looking for a new vehicle for your first car purchase, a new car loan can help you finance your set of wheels. Find out everything you need to know about new car loans to help you find the right loan for you.

Go to site