CarClarity Car Loan

Compare car loans from $10,000 to $250,000 from over 30 lenders with CarClarity and get pre-approval, with no impact on your credit score.

CarClarity is a car loan comparison website that can assist you in finding the right car loan for your circumstances. Whether you're looking for a new or used car, or a car for business purposes, CarClarity may be able to help.

CarClarity allows you to compare over 30 matched lenders – including both dealerships and private sellers – in under 60 seconds.

Three things you should know:

  • Apply for a loan from $10,000 to $250,000
  • Compare a range of lenders
  • Rates from just 3.35% p.a.
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Application Fee

From 3.35% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Max Loan Amount

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Product NameCarClarity Car Loan
Interest Rate (p.a.)From 3.35% (fixed)
Comparison Rate (p.a.)4.95%
Interest Rate TypeFixed
Min Loan Amount$10,000
Max Loan Amount$250,000

Main points to consider with a CarClarity car loan

CarClarity is not a lender, but a professional car loan broker and loan comparison website that is able to match you with 3 to 30 lenders that suit your requirements. It does so based on a short application process involving a few questions about your needs and your financial circumstances.

With a CarClarity car loan, you can usually apply for finance from $10,000 to $250,000 and use the funds to purchase a new or used car, for either personal use or corporate purposes. Loan terms vary from 1 year to 7 years.

Applying through CarClarity does not affect your credit score. However, if you officially apply for a loan from one of its partnered lenders, the application will usually be recorded on your credit record.

Features of the CarClarity car loans

  • Quick application. Applications take just 10-20 minutes to complete.
  • Quick comparison. Compare matched lenders in just one minute.
  • Estimate your repayments. CarClarity's loan calculator allows you to estimate your potential repayments with ease.
  • Range of lenders. CarClarity allows you to compare over 30 lenders with a single application.
  • View loan details. You can view details such as loan interest, comparison rates, loan features and fees all on one dashboard.
  • Loan amount. Different lenders offer different loan amounts. Depending on the lender you opt for, you may be able to apply for a loan from $10,000 to $250,000.
  • 100% online. CarClarity is a 100% online platform with a fully online application process.
  • Loan term. Terms vary from one to seven years. Be aware that not all lenders may offer the same loan terms.
  • Flexible repayments. Depending on your lender, repayments can usually be made weekly, fortnightly or monthly by direct debit.
  • New and used. You can purchase both new cars and used cars using this platform.
  • Business finance options. If you're looking for a car for business purposes, CarClarity can also help.
  • No credit check. Comparing car loans using the CarClarity platform does not affect your credit rating.

Fees and charges

  • Interest rate. Rates start from just 3.35% p.a.
  • Comparison rate. Comparison rates start from 4.95% p.a.
  • Application fee. You must pay a fee of $356 to apply through CarClarity.
  • Monthly administration fee. A monthly administration fee of$8.25 applies.
  • Broker fee. A $350 broker fee applies.

How to apply

If you meet the above criteria and are interested in applying for a loan using CarClarity's broker service, simply click "Go to site" and submit a short application form.

In order to qualify, you must meet the following criteria:

  • Be aged 18 years+
  • Be an Australian permanent resident
  • Have a source of income

Different lenders will have varying eligibility criteria, so it's important that you thoroughly check the requirements of the lender that you wish to apply with prior to submitting a loan application.

While CarClarity allows you to compare various lenders, it's still always a good idea to compare car loan options yourself before submitting an application.

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% 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.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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