Finder makes money from featured partners, but editorial opinions are our own.

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.

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. Once 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. You can browse cars online with technical assistance and the car 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

Compare car loan providers

1 - 12 of 12

Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
OurMoneyMarket Car Loan - Excellent Credit ExclusiveFixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 6.57% to 21.78%	Application Fee $0	Monthly Fee $0	Monthly Repayment $613.62	Go to site More Info Compare	Finder Exclusive: Apply by December 15th 2023 and if approved, OurMoneyMarket will waive the establishment fee for Excellent Credit Customers.
OurMoneyMarket New Car Loan 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 site More Info Compare
loans.com.au - New - Fixed Rate Special Fixed3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.09% to 8.29%	Comp. Rate (p.a.) 8.21% to 9.1%	Application Fee $400	Monthly Fee $8	Monthly Repayment $638.73	Go to site More Info Compare	You'll receive a fixed rate of 7.09% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.
CarMoney New Car Loan ExclusiveFixed18 Months - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.89% to 15.09%	Comp. Rate (p.a.) 8% to 16.16%	Application Fee $400	Monthly Fee $8	Monthly Repayment $636.87	Go to site More Info Compare	Finder Exclusive: Apply for and settle a car loan and get a $200 cashback. Limited time offer. Terms and conditions apply.
NRMA New Car Loan 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 site More Info Compare	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 5.49% p.a. and comparison rates from 6.19% p.a.)
RACV New Car Loans 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 site More Info Compare	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.
loans.com.au - New - Variable Rate Special 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 site More Info Compare
CarMoney Used Car Loan Fixed18 Months - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.2% to 15.75%	Comp. Rate (p.a.) 6.71% to 16.18%	Application Fee $399	Monthly Fee $0	Monthly Repayment $622.43	Go to site More Info Compare
RACV Used Car Loans 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 site More Info Compare	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.
NRMA Used Car Loan 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 site More Info Compare	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.
Stratton Finance New Car Loan 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 site More Info Compare	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.
Stratton Finance Used Car Loan 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 site More Info Compare	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.

Showing 12 of 12 results

Your reviews

No reviews yet. Write a review

Ask an expert

To ask a question simply log in via your email or create an account.

Ask a question

Alex Finder

Publisher

Hi there, looking for more information? Ask us 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

Accept and continue

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 Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.