SWSbank Car Loans Review

We break down the car loans from SWSbank, including fees, features and who they are best suited for.

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Rebecca Pike

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SWS Bank

SWSbank 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 6 November 2026
$
years
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
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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

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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

SWSbank lender profile

  • Formed in 1972, SWSbank (South West Slopes Credit Union Ltd) was founded by employees from various councils in the South West Slopes region of NSW.
  • Today SWSbank has over 15,000 members, with branches in Young, Temora, West Wyalong and Cootamundra.
  • SWSbank 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 SWSbank’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 SWSbank.

During the application process you will need to provide details of your income and any other debts.

Compare other products from SWSbank

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Written by

Editor, Money
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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 253 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
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