Arab Bank Australia Limited
Arab Bank Australia began operations in 1986 and is a wholly-owned subsidiary of Arab Bank . Arab Bank Australia has seven branches across Melbourne and Sydney and offers a wide range of banking products and services.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Arab Bank Australia Unsecured Variable Rate Personal Loan | 19.85% p.a. | 20.78% p.a. |
| Arab Bank Australia Secured Variable Rate Personal Loan | 17.15% p.a. | 18.11% p.a. |
Australian Military Bank
Australian Military Bank (formerly Australian Defence Credit Union Limited) began operations in 1959 and is Australia's longest serving Defence financial institution. In addition to offering its services to the defence community, it also welcomes members from the general public. Australian Military Bank has over 30 branches in Australia, around 50,000 members and funds under management in excess of $1 billion.
The following car loans are available:
| Product | Maximum Loan Term | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Australian Military Bank Car Loan | 7 years | $200,000 | 6.25% p.a. | 7.17% p.a. |
Auswide Bank
Auswide Bank has been servicing the banking needs of Australians for over 50 years. It has also recently merged with Wide Bay Australia. It provides an extensive range of personal and business banking products and services issued directly or in partnership with leading service providers via branches, strategic relationships and online & digital channels.
The following car loans are available:
| Product | Maximum Loan Term | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Auswide Bank Car Loan | 7 years | $150,000 | 6.48% p.a. | 7.19% p.a. |
Central Murray Credit Union Limited
The Central Murray Credit Union began operations as Yarrawonga Credit Union Co-operative Limited in 1972, changing its name to Central Murray Credit Union in 2002. This credit union offers its members an array of home loans, commercial loans, savings and access accounts, insurance, financial planning and more.
The following car loans are available:
| Product | Interest Rate |
|---|---|
Central West Credit Union Limited
Central West Credit Union was first opened in 1966 to offer financial services to local government and hospital employees in the Central West region of NSW. It has since opened its doors to all members of the community. The credit union has branches in Forbes, Parkes and Cowra along with agencies at Condobolin, Peak Hill and Grenfell.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Central West CU Classic Car Loan | 7.4% p.a. | 7.62% p.a. |
Coastline Credit Union
Coastline Credit Union has been offering financial services to its members for more than 40 years. It aims to provide high-quality financial products with minimal fees and competitive interest rates.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount |
|---|---|---|---|
| Coastline Bank Variable Personal Car Loan | 7 years |
Community First Credit Union Limited
Community First is a member-owned financial institution that has been in operation for more than 50 years. Based in Sydney and the Central Coast region of NSW, Community First offers three car loans for those who want to purchase a vehicle.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|---|
| Community First Bank Variable Car Loan | 7 years | $10,000 | 6.54% p.a. | 7.59% p.a. | |
| Community First Bank Fixed Car Loan | 7 years | $10,000 | 6.54% p.a. | 7.59% p.a. |
Defence Bank Products
Defence Force Credit Union Limited began operations in 1975 and later became Defence Bank in 2012. With 40 branches around Australia, this financial institution offers an array of products and services, including a range of car and auto loans.
The following car loans are available:
| Product | Maximum Loan Term | Interest Rate | Comp. Rate |
|---|---|---|---|
| Defence Bank Car Loan | 7 years | 6.39% p.a. | 7.17% p.a. |
ECU Australia Ltd
ECU Australia Ltd began operations in 1973 as C.R.E.B. Credit Union Ltd. This customer-owned credit union aims to make banking fairer and easier for its members.
Family First Credit Union
First formed in 1967, Family First Credit union has grown to become an established and trusted financial institution, providing competitive financial services to all residents of Australia.
Like many credit unions, Family First has an ownership structure whereby members own the institution and get financial services such as loans and banking services at lower fees and better rates than those offered by banks.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Family First Bank New Car Loan (up to 12 months old) | 7 years | $5,000 | 7.99% p.a. | 8.35% p.a. |
| Family First Bank Car Loan (1 to 3 years old) | 7 years | $5,000 | 8.99% p.a. | 9.35% p.a. |
| Family First Bank Car Loan (3 to 5 years old) | 7 years | $5,000 | 9.99% p.a. | 10.35% p.a. |
Firefighters Credit Union
Firefighters Credit Union was first incorporated in 1976 to cater to the financial needs of firefighters. The credit union is member-owned and continues to provide highly personalised financial services to fire personnel from all types of brigades, including MFESB, CFA and Air Services. The credit union is located in Fitzroy and offers a wide range of loan products to help with home purchases, personal needs and investments.
The following car loans are available:
| Product | Appplication Fee | Monthly Service Fee |
|---|---|---|
Fire Service Credit Union Limited
Fire Service Credit Union was formed in 1972 with the aim of contributing to the economic well being of its members. One way they do this is by offering competitively priced loans. The credit union has grown over the years to a membership of over 3,000 and continues to provide many products as well as quality customer service.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Fire Service CU Chief New Car Loan | 7 years | $20,000 | 6.24% p.a. | 6.58% p.a. |
| Fire Service CU Commander Car Loan | 7 years | $10,000 | 7.95% p.a. | 8.29% p.a. |
G&C Mutual Bank
G&C Mutual Bank is a member-owned financial institution that began operations in 1959, offering its members an assortment of financial services and products. It has also recently merged with Quay Credit Union. You can turn to this financial institution for everyday banking needs, to apply for a home loan, as well as for financial advice and insurance solutions.
The following car loans are available:
| Product | Interest Rate | Comp. Rate | Monthly Service Fee |
|---|---|---|---|
| G&C Mutual Bank Fixed Rate New Car Loan < 5 years | 7.99% p.a. | 8.01% p.a. | $0 |
Goulburn Murray Credit Union Co-operative Limited
GMCU is a financial institution formed as a result of an amalgamation of six credit unions operating in Central and Northern Victoria. Today, the credit union has thousands of members and has fully operational branches in different areas within the region. Members of GMCU can access a wide variety of loans, including overdrafts, commercial and personal loans, home loans and equity access loans at competitive rates and low fees.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
Horizon Credit Union
Horizon Credit Union began operations in 1964 and enjoyed steady growth over the following decades. Today, it offers its members an array of financial services and products, from loans and deposit accounts to insurance solutions and travel assistance.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Horizon Bank New Car Loan | 5 years | $1,000 | 6.49% p.a. | 6.71% p.a. |
| Horizon Bank Used Car Loan | 5 years | $1,000 | 7.99% p.a. | 8.2% p.a. |
Hume Bank
Hume Bank is a regional mutual financial institution that boasts more than 55,000 customers spread across north-eastern Victoria and south-eastern NSW. This customer-owned bank has 19 branches and offers its customers an array of financial services, including loans to buy a car.
The following loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|
| Hume Bank Secured Personal Loan | 5 years | $2,000 | 8.49% p.a. | 8.7% p.a. |
| Hume Bank Unsecured Personal Loan | 5 years | $2,000 | 12.49% p.a. | 12.71% p.a. |
Laboratories Credit Union Limited
Laboratories Credit Union (LCU) was established in 1954 and offers flexible and affordable banking and financial services to its customers. It also offers personalised customer service to improve the banking experience of members.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|---|
| Laboratories CU New Wheels Car Loan | 10 years | $1,000 | $75,000 | 9.5% p.a. | 9.79% p.a. |
| Laboratories CU New Car Loan Special | 10 years | $1,000 | $75,000 | 8.05% p.a. | 8.33% p.a. |
| Laboratories CU Drive Away Car Loan | 10 years | $1,000 | $75,000 | 10.5% p.a. | 10.79% p.a. |
Latitude Financial Services
Latitude Financial Services is a digital payments company that was originally known as GE Money. In 2016, it transitioned into an independent company and became known as Latitude. It's the largest non-bank lender in the Ausrtralian credit space, currently offering personal loans, credit cards, car loans, personal insurance and interest-free finance.
The following car loan products are available with Latitude:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Latitude Fixed Rate Car Loan | 8.99% p.a. | 10.11% p.a. |
| Latitude Caravan Loan | 8.99% p.a. | 10.11% p.a. |
| Latitude Motorbike Loan | 8.99% p.a. | 10.67% p.a. |
| Latitude Boat Loan | 8.99% p.a. | 10.11% p.a. |
Newcastle Permanent 
Newcastle Permanent is a long-serving financial institution with a mutual banking model that is designed to offer fair and comprehensive banking services to its members. The bank has been in existence since 1903, offering diverse financial services to suit customers’ needs.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Newcastle Permanent Personal Secured Loan | 6.49% p.a. | 6.84% p.a. |
Orange Credit Union Limited
Orange Credit Union began operations in the form of Email (Orange) Employees Credit Union in 1964, and with a few mergers down the line, it now boasts of assets exceeding $140 million and more than 16,500 members. This credit union offers typical financial services and products you might associate with a bank, which include loans, savings accounts, insurance solutions, as well as financial planning advice.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Application Fee | Monthly Service Fee |
|---|---|---|---|---|
| Bank Orange New Car Loan | 7 years | $5,000 | $265 | $0 |
Police Bank Ltd
Police Bank first began operations in the 1960s as the NSW Police Credit Union. Today, it is one of the biggest financial institutions in the country, offering its members a variety of financial services and products.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Police Bank Driveaway Car Loan | 6.99% p.a. | 7.13% p.a. |
Police Credit Union Limited
Police Credit Union aims to help customers reach their financial goals by offering better banking products and services. As a member, you can access different types of personal and home loans and get help with investments, retirement planning and more.
The following car loans are available:
| Product | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|
| Police CU Variable Car Loan | $5,000 | 7.73% p.a. | 8.14% p.a. |
| Police CU Fixed Rate Car Loan | $5,000 | 7.24% p.a. | 7.65% p.a. |
Police Financial Services Limited (trading as BankVic)
BankVic offers financial products to the police, health sector, public services and emergency services. This customer-owned bank provides an extensive suite of banking services to its customers, including a Car Loan designed to help you get on the road sooner.
The following car loans are available:
| Product | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|
| BankVic Car Loan | $10,000 | 8.99% p.a. | 9.12% p.a. |
Qudos Bank
Qudos Bank, previously known as Qantas Credit Union, was established in 1959 to offer a fairer way of banking to members. Since then, the bank has grown to over 90,000 members. It offers financial services similar to those offered by banks, but with competitive rates and fees.
The following car loans are available:
| Product | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|
| Qudos Bank Qantas Points Car Loan | $15,000 | 7.99% p.a. | 8.2% p.a. |
| Qudos Bank Car Loan | $10,000 | 7.29% p.a. | 7.5% p.a. |
Queensland Country Credit Union Limited
From its beginnings in 1971, Queensland Country Credit union has been helping hard-working Queenslanders by offering a full range of competitive financial services. As well as insurance, credit cards, savings accounts and financial planning assistance, the credit union also offers financing to customers who are looking to buy a car.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|---|
| Queensland Country Bank Secured Personal Loan | 7 years | $150,000 | 11.44% p.a. | 12.4% p.a. | |
| Queensland Country Bank New Car Loan | 7 years | $150,000 | 6.24% p.a. | 6.88% p.a. |
Regional Australia Bank
Regional Australia Bank (formerly Community Mutual Group) is a customer-owned bank that have been helping regional Australians achieve their lifestyle goals for more than 45 years. It provide easy loans to finance almost any motor vehicles.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Interest Rate | Comp. Rate | Application Fee |
|---|---|---|---|---|---|
| Regional Australia Bank Accelerator Car Loan | 5 years | $10,000 | 6.74% p.a. | 7.05% p.a. | $195 |
South West Slopes Credit Union Ltd
The South West Slopes Credit Union took shape in 1972, and it now has branches in Young, Cootamundra, Temora, and West Wyalong, as well as agencies in Harden and Boorowa. With more than 15,000 members, this credit union boasts capital in excess of $11.5 million. It offers its members a number of financial services and products, which include home loans, personal loans, savings accounts, financial planning advice, and insurance solutions.
The following car loans are available:
| Product | Maximum Loan Term | Maximum Loan Amount | Interest Rate | Comp. Rate | Application Fee |
|---|---|---|---|---|---|
| SWS Bank Secured Personal Loan | 15 years | $200,000 | 8.5% p.a. | 8.5% p.a. | $0 |
Southern Cross Credit Union Ltd
Southern Cross Credit Union is a customer-owned financial institution with 10 branches spread throughout the Northern Rivers region of NSW. This credit union gives customers access to a full range of banking, including everything from loans and savings accounts to insurance.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Southern Cross CU Secured Personal Loan | 7.99% p.a. | 8.9% p.a. |
Summerland Credit Union Limited
Summerland Credit Union is a customer-owned financial institution that has been providing banking solutions to its members for 50 years. Summerland offers loans, savings and investment accounts, credit cards and many other banking services.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Summerland Bank Car Loan | 7.24% p.a. | 7.89% p.a. |
Transport Mutual Credit Union Limited
Transport Mutual Credit Union was established in 1964 to meet the financial needs of the NSW Department of Main Roads and their families. Now offering its services to the wider transport community, the credit union gives its members a full range of savings and deposit accounts, home loans, personal loans and other banking services.
The following car loans are available:
| Product | Interest Rate | Comp. Rate |
|---|---|---|
| Transport Mutual CU FastRoad Used Car Loan (Cars older than 5 Years) | 9.14% p.a. | 9.49% p.a. |
Unity Bank
Unity Bank has been in operation since 1970, serving Australians across the nation. It offers a range of banking services that includes money management counselling, banking accounts and credit cards. Unity Bank is also a provider of loan products, including car loans.
The following car loans are available:
| Product | Minimum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|
| Unity Bank Fixed Rate New Car Loan < 5 years | $1,000 | 7.99% p.a. | 8.01% p.a. |
Warwick Credit Union Ltd
Warwick Credit Union commenced operations in 1970 and has grown significantly since then. It offers its members different kinds of loans, individual and business banking accounts, insurance solutions, as well as financial planning advice.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount | Interest Rate | Comp. Rate |
|---|---|---|---|---|---|
| Warwick CU New Variable Best Rate Car Loan (Best Rate Car Loan) | 5 years | $5,000 | $50,000 | 7.96% p.a. | 7.88% p.a. |
| Warwick CU New Fixed Auto Loan (Best Rate Car Loan) | 5 years | $5,000 | $50,000 | 6.99% p.a. | 7.88% p.a. |
Woolworths Employees' Credit Union Limited
The Woolworths Employees' Credit Union began operations in 1971, with membership limited to employees of the Woolworths (Aust) Limited group of companies as well as their immediate family members. As a member you can access a range of financial services and products, which include home loans, personal loans, savings accounts, term deposits, insurance covers, and financial planning advice.
The following car loans are available:
| Product | Maximum Loan Term | Minimum Loan Amount | Maximum Loan Amount | Application Fee |
|---|---|---|---|---|
| Woolworths Team Bank New Car Loans | 7 years | $2,000 | $100,000 | $299 |
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Ask a question
Hi my name is Ahmad and I would like to apply for a secured car loan. I’m currently receiving carers payment from Centrelink can I still apply?
Hi Ahmad, You might want to check out our guide to car loans for pensioners and other Centrelink recipients to learn more. You’ll be able to apply for a loan, but the amount you can borrow will be determined by the size of your payments and other expenses.
I need to buy a new car Mercedes A250 sedan. I need the best loan ptovider for a total amount of 80 000.
Hi Kudzie,
Congratulations on your new car!
You can review a number of options here:
https://www.finder.com.au/car-loans
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a legit Leander/ broker for car loans
Hi Dellah,
We don’t have this brand listed and couldn’t find any information about them online, beyond a listing in the white pages.
With any lender, it’s a good idea to ask them about their credentials and registrations to make sure they’re operating a legitimate business with a relevant credit licence.
Hope this helps!