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Carma

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Summary

Find your perfect used car by taking a 360° inspection in a virtual showroom - and get it dropped off to your front door

With a wide selection of pre-loved cars for you to browse online, as well as different finance options to suit each buyer, Carma is a one-stop shop for your car-buying needs. After you’ve browsed the thousands of cars on offer and reserved your chosen one, you can apply for flexible finance options with one of Carma’s partners. All cars on the site have been test-driven and inspected by experts, and have gone through complete reconditioning to ensure their quality.

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How does Carma work?

At its very basic level Carma is a used car retailer. But it goes so far beyond that.

If you’re in the market for a used, or "pre-loved", vehicle, you can start browsing cars on the Carma website. Filter not only by make, model and year, but by other specifications such as colour, mileage, body type and CO2 emissions.

Once you’ve filtered the options down you can click on each car to see the full list of specifications and history, as well as take a 360° look of the car both inside and out.

When you’ve picked your car, you can put down a $500 deposit to reserve it. You can then choose to pay for the car upfront or apply for finance options with one of Carma’s partners. Carma also offers delivery of the car for purchasers in Greater Sydney.

What features come with Carma?

  • 7-day guarantee. If you change your mind in the first 7 days, Carma will either refund you or help you find a replacement vehicle.
  • Warranty. Each car comes with a comprehensive 3-month warranty.
  • Quality assurance. Each car is inspected and test-driven by experts, and undergoes complete reconditioning.
  • Roadside assistance. Carma offers a 1-year NRMA roadside assistance membership with every purchase.
  • No hassle. When you purchase your new car through Carma, it is delivered straight to your home if you’re in Greater Sydney.
  • Fast application. You can purchase the car online or over the phone in a matter of minutes.
  • Flexible finance options. Carma partners with finance providers giving you the option to spread the payment out over time with competitive interest rates and flexible terms.

How you can apply

Go to the website to start browsing for cars. You can filter by car make and model, as well as other features that you’re looking for in your ideal car. Virtually inspect the vehicle and read the specifications and service history. Follow the steps to then buy the car outright or start your application for finance.

You can also call Carma on 02 8319 3210 to speak to a consultant who will walk you through the application questions. Carma will hold your car on reserve with a refundable $500 deposit.

To buy a car with Carma you must have an Australian driver’s licence.

The documents required for finance can vary from lender to lender but typically includes:

  • Personal information such as your date of birth and address
  • A copy of your driver's licence
  • Employment information
  • Income and expenses information, for example payslips
  • Assets and liabilities information
  • Bank account details
  • 2 personal references

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1 - 13 of 108
Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket New Car Loan
OurMoneyMarket logo
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
$622.82
Go to siteMore Info
loans.com.au - New - Variable Rate Special
loans.com.au logo
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
6.24%
to 7.74%
Comp. Rate (p.a.)
7.36%
to 8.85%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$630.83
Go to siteMore Info
Stratton Finance New Car Loan
Stratton Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$625.27
Go to siteMore Info
You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
NRMA New Car Loan
NRMA logo
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$635.67
Go to siteMore Info
Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.79% p.a. and comparison rates from 6.49% p.a.)
Credit Concierge New Car Loan
Credit Concierge logo
Fixed1 - 7 Years $10,000 - $100,000
Interest Rate (p.a.)
6.29%
to 16.45%
Comp. Rate (p.a.)
7.41%
to 17.91%
Application Fee
$553
Monthly Fee
$10
Monthly Repayment
$637.97
Go to siteMore Info
RACV New Car Loans
RACV logo
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$635.67
Go to siteMore Info
You'll receive a fixed rate from 7.29% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Simplify New Car Loan
Simplify Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.19%
to 18%
Comp. Rate (p.a.)
6.6%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$622.21
Go to siteMore Info
Credit Concierge Used Car Loan
Credit Concierge logo
Fixed1 - 7 Years $10,000 - $1,000,000
Interest Rate (p.a.)
6.8%
to 17.45%
Comp. Rate (p.a.)
7.56%
to 18.91%
Application Fee
$553
Monthly Fee
$10
Monthly Repayment
$642.74
Go to siteMore Info
OurMoneyMarket Used Car Loan - No Vehicle Age Limit
OurMoneyMarket logo
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
$622.82
Go to siteMore Info
Stratton Finance Used Car Loan
Stratton Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$625.27
Go to siteMore Info
You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a.
A used car loan of up to $300,000 with quick approval times and balloon payment options.
Simplify Used Car Loan
Simplify Finance logo
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.19%
to 18%
Comp. Rate (p.a.)
6.6%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$622.21
Go to siteMore Info
NRMA Used Car Loan
NRMA logo
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$647.01
Go to siteMore Info
You'll receive a fixed rate from 8.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
RACV Used Car Loans
RACV logo
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$647.01
Go to siteMore Info
You'll receive a fixed rate from 8.49% p.a.
Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
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