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
Checked 23 June 2026
Finder Score Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
SWS Bank logo
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 selection
SWS Bank logo
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 selection
SWS Bank logo
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 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

Finder Awards badge

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

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 296 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

  • Credit Concierge Car Loan

    Get a secured or unsecured loan from a range of lenders with the Credit Concierge car loan.
  • Harmoney Car Loan

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

    Get behind the wheel faster with a competitive low rate and no monthly fees.
  • Bank Australia Car Loan

    Concerned about the earth but still need a car to get you around? The Bank Australia Car Loan comes with a competitive rate and trees will be planted to offset the greenhouse gas emissions produced by your car for the term of your loan.
  • 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.
  • People First Bank Discounted Personal Loan (Car Loan)

    You can finance a new or used car with this loan from People First Bank and you could enjoy pre-approval, no monthly fees and a lower interest rate.
  • Community First New Car Loan

    Find out if you might be eligible for a loan offering a competitive variable rate to help you finance your new car purchase with low monthly fees.

  • Westpac Car Loans

    Purchase a new car or refinance your current used vehicle for a competitive rate with Westpac. There's a range of flexible features on offer, so find out if you're eligible to apply for one of its competitive offerings.

  • NAB Car Loan

    This NAB secured car loan offers loans of up to $100,000 for new and used vehicles less than 12 years. It has a fixed interest rate with loans of 1 - 7 years, but no penalty if you repay the loan early.
Go to site