Fiat finance options

Fiat Automobiles is the largest Italian car manufacturer in the world, with a history dating back to the production of first Fiat 4 HP in 1899. It produces over 1.5 million vehicles per year and has won nine European Car of the Year awards, more than any other manufacturer.

Fiat models available in Australia

There are currently seven new Fiat models available to buy in Australia, including a range of small cars, an SUV, a sports car and commercial vans. These are:

How much does it cost to buy and run a Fiat?

According to Redbook, the purchase prices of popular 2018 Fiat models are as follows:

• 2018 Fiat 500 Collezione Manual: $21,990
• 2018 Fiat 500C Collezione Auto: $27,490
• 2018 Fiat 500X Pop Manual: $24,990
• 2018 Fiat Doblo SWB Manual: $22,000
• 2018 Fiat Ducato SWB Manual: $38,990

Fuel efficiency

According to Redbook, the Fiat 500 Collezione has a fuel efficiency of 4.9L/100km, or 6L/100km for the Fiat 500X Pop. In terms of commercial vehicles, the Fiat Ducato is 6.1L/100km and the Doblo SWB has an efficiency of 7.3L/100km.

The ATO classifies a fuel-efficient car as one with a fuel consumption of less than 7L/100km, which means that all Fiat models, apart from the Doblo, fall into this category.

Other costs to consider

• Maintenance and repairs. Your vehicle will require ongoing servicing and may also require unexpected repairs, which may be quite expensive depending on the issue. It is recommended that you keep your vehicle in good condition to help minimise the need for repairs.
• Insurance. You are legally required to purchase compulsory third party (CTP) insurance in Australia, but there are several other optional insurance products available that can cover theft, fire or any accidental damage to your car or the cars of others. The cost of your insurance will vary depending on the policy you choose and your risk profile, which is determined by factors such as your age, gender and driving history.
• Stamp duty. You will generally have to pay stamp duty when purchasing a new or used car. The duty you'll pay will differ by state and territory, but you can estimate what you'll have to pay using this vehicle stamp duty calculator.
• New car extras. While the listed price of a vehicle might seem like an attractive deal, it generally excludes any optional add-ons, such as automatic transmission or leather seats. You should always factor in the cost of any extras that you want and add them to the overall cost before deciding on a vehicle.
• Cost of finance. If you're looking to use a loan to fund your Fiat, you will have to factor in the cost of the loan to determine the true cost of your purchase. See below for more information on your financing options.

What types of Fiat financing options are available?

• Secured car loan. A personal loan that uses your new vehicle as security against the loan. The lender can take ownership of the vehicle if you fail to repay the loan.
• Unsecured car loan. A straightforward loan that does not require the vehicle or another asset to be used as security. You will generally receive a higher rate than on a secured loan.
• Dealer finance. You can choose to get your purchase funded directly by the car dealer, but you should always compare the terms of the loan with those offered by other lenders.
• Chattel mortgage. A finance option that lets businesses take ownership of the vehicle from the start of the loan period, which is then paid off over the term of the loan.
• Commercial hire. Another business finance option that allows you to lease a vehicle for a set term and make regular repayments to cover the cost of the lease.
• Novated lease. A form of car lease that allows you to make payments directly from your pre-tax income, meaning you can reduce the amount of tax you pay.

Factors to consider when financing your Fiat

There are a number of factors that you should take into account before deciding on a finance option. These include:

• Interest rate. You should confirm the rate that you're being charged. This is what determines how much you will have to make in repayments. However, what makes a rate competitive will vary depending on the type of finance option that you require.
• Loan term. Car loans will generally have a term of one to seven years, but other types of finance such as a novated lease or commercial hire may only offer shorter terms.
• Fees and charges. These will vary depending on the finance option that you choose, but may include application and set-up fees, as well as ongoing service fees. You may also have to pay a fee if you fail to make your repayments on time or otherwise break the terms of your loan.
• Repayments. Most finance options will require you to make fixed regular repayments. However, this will not always be the case and different products may have repayment schedules that are more suitable for your personal situation.
• Loan amount. Some finance options will have minimum and maximum loan amounts, so you want to make sure a certain loan will meet your financial needs.
• Vehicle ownership. Some finance options will give you immediate ownership of the vehicle, but you will generally only get full ownership once you have finished your repayments. There are also lease options that require you to make a final lump sum payment, called a balloon payment, in order to take ownership of the vehicle.

What you will need to apply for a Fiat loan

This will depend on the type of finance option you choose to purchase your Fiat. However, you will generally need to meet the following criteria to be eligible for a loan:

• You're at least 18 years old
• You're an Australian citizen or permanent resident
• You're currently employed or earning a reliable income

As part of your application process, you will generally also be asked to provide the following:

• Proof of residence
• Proof of employment
• Financial information, including any debts, assets and other liabilities
• For a novated lease, you will need to be employed by an employer who supports novated leases

Compare car loans you can use to purchase a Fiat

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Name	Product	Interest Rate (p.a.)	Comparison Rate (p.a.)	Monthly Repayment	View Details CTA
IMB New Car Loan		4.88% (fixed)	5.23%		You'll receive a fixed rate of 4.88% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.	You'll receive a fixed rate of 4.88% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.	Go to site View details	Compare	loading Fetching your data...
Credit Concierge Car Loan - Prime (Credit Score 800+)		From 3.69% (fixed)	4.23%		You'll receive a fixed rate of 3.69% p.a. with a comparison rate of 4.23% p.a. Must have a high credit score and excellent previous repayment history to qualify. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	You'll receive a fixed rate of 3.69% p.a. with a comparison rate of 4.23% p.a. Must have a high credit score and excellent previous repayment history to qualify. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	Go to site View details	Compare	loading Fetching your data...
loans.com.au - New - Prime Special (Variable)		3.74% (variable)	4.28%		You'll receive a variable rate of 3.74% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees. ⭐ Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	You'll receive a variable rate of 3.74% p.a. based on your risk profile Finance a new car and benefit from features such as fast approval, no ongoing fees. ⭐ Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	Go to site View details	Compare	loading Fetching your data...
RACV New Car Loans		From 5.99% (fixed)	6.68%		You'll receive a fixed rate from 5.99% 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.	You'll receive a fixed rate from 5.99% 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.	Go to site View details	Compare	loading Fetching your data...
loans.com.au - New - Prime Special (Fixed)		5.09% (fixed)	5.64%		You'll receive a fixed rate of 5.09% 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. ⭐ Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	You'll receive a fixed rate of 5.09% 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. ⭐ Special Offer: Settle the loan before 30 June 2022 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.	Go to site View details	Compare	loading Fetching your data...
Stratton Finance New Car Loan		From 4.44% (fixed)	5.76%		You'll receive a fixed rate from 4.44% 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.	You'll receive a fixed rate from 4.44% 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.	Go to site View details	Compare	loading Fetching your data...
OurMoneyMarket Car Loan		From 5.85% (fixed)	6.47%		You'll receive a fixed interest rate from 5.85% p.a. to p.a. based on your risk profile. Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.	You'll receive a fixed interest rate from 5.85% p.a. to p.a. based on your risk profile. Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.	Go to site View details	Compare	loading Fetching your data...
NRMA New Car Loan		From 5.99% (fixed)	6.68%		You'll receive a fixed rate from 5.99% p.a. Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.	You'll receive a fixed rate from 5.99% p.a. Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.	Go to site View details	Compare	loading Fetching your data...
Credit Concierge Car Loan - Mid Prime (Credit Score 500-800)		From 5.89% (fixed)	6.99%		You'll receive a fixed rate of 5.89% p.a. with a comparison rate of 6.99% p.a. Must have an above average credit score and no defaults or late payments in the last 6 months. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	You'll receive a fixed rate of 5.89% p.a. with a comparison rate of 6.99% p.a. Must have an above average credit score and no defaults or late payments in the last 6 months. Home ownership or mortgage may assist overcoming a lower credit score in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	Go to site View details	Compare	loading Fetching your data...
NRMA Used Car Loan		From 6.99% (fixed)	7.68%		You'll receive a fixed rate from 6.99% 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.	You'll receive a fixed rate from 6.99% 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.	Go to site View details	Compare	loading Fetching your data...
Stratton Finance Used Car Loan		From 4.99% (fixed)	6.41%		You'll receive a fixed rate loan from 4.99% p.a. with a comparison rate of 6.41% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.	You'll receive a fixed rate loan from 4.99% p.a. with a comparison rate of 6.41% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.	Go to site View details	Compare	loading Fetching your data...
Credit Concierge Car Loan - Sub Prime (Credit Score Below 500)		From 14.99% (fixed)	17.99%		You'll receive a fixed rate of 14.99% p.a. with a comparison rate of 17.99% p.a. Must have stable employment longer than 3 months with no recent missed payments or overdrawn bank accounts. Defaults are assessed on individual circumstances and amounts on credit file must be paid or under arrangement. Good savings history may assist overcoming a low credit score and any unpaid defaults in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	You'll receive a fixed rate of 14.99% p.a. with a comparison rate of 17.99% p.a. Must have stable employment longer than 3 months with no recent missed payments or overdrawn bank accounts. Defaults are assessed on individual circumstances and amounts on credit file must be paid or under arrangement. Good savings history may assist overcoming a low credit score and any unpaid defaults in some instances. Lenders individual credit criteria applies and approval is not guaranteed nor is the interest rate finalised until a formal submission for finance is made.	Go to site View details	Compare	loading Fetching your data...
RACV Used Car Loans		From 6.99% (fixed)	7.68%		You'll receive a fixed rate from 6.99% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	You'll receive a fixed rate from 6.99% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	Go to site View details	Compare	loading Fetching your data...

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Name	Product	Roadside Assistance	Accidental Damage	Storm	Choice of Repairer	Agreed or Market Value
Budget Direct Comprehensive Finder Award		Optional			Optional	Agreed or Market	Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews. ⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: People who want a comprehensive policy without breaking the bank.	Get Quote View details	Compare	loading Fetching your data...
Youi Comprehensive Car Insurance					Optional	Agreed or Market	Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions. Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.	Get Quote View details	Compare	loading Fetching your data...
Coles Comprehensive		Optional				Agreed or Market	Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs. ⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Coles customers and Flybuys collectors.	Get Quote View details	Compare	loading Fetching your data...
QBE Comprehensive Green Company					Optional	Agreed or Market	Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.	Get Quote View details	Compare	loading Fetching your data...
Bendigo Bank Comprehensive						Agreed or Market	Finder's summary: Bendigo Bank’s comprehensive policy offers up to $30 million in liability insurance, cover for your personal items and the option of a replacement car if your vehicle is being repaired after an accident. Who it might be good for: Those who seek the peace of mind that comes with high legal liability and a range of cover benefits.	Get Quote View details	Compare	loading Fetching your data...
Bingle Comprehensive						Market	Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low. Who it might be good for: Someone who wants a low-cost option that covers them for the basics.	Get Quote View details	Compare	loading Fetching your data...
ahm Comprehensive		Optional				Both	Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover. ⭐ Current offer: Get free roadside assistance* for 12 months when you sign up by 30 June. T&Cs apply. Who it might be good for: People who drive less than 15,000 km per year.	Get Quote View details	Compare	loading Fetching your data...
Qantas Comprehensive		Optional			Optional	Agreed or Market	Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. ⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply. Who it might be good for: People who'd like to earn Qantas Points.	Get Quote View details	Compare	loading Fetching your data...
Woolworths Comprehensive		Optional				Agreed or Market	Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.33 per month. ⭐ Current offer: Save up to 15% when you buy online. T&Cs apply. Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.	Get Quote View details	Compare	loading Fetching your data...
Australia Post Comprehensive					Optional	Agreed or Market	Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you. ⭐ Current offer: Get $150 off your first year’s premium when you buy online. T&Cs apply. Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.	View details	Compare	loading Fetching your data...
Huddle Black Comprehensive						Agreed or Market	Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover. Who it might be good for: Someone who wants a 24/7 claims processing.	View details	Compare	loading Fetching your data...
KOBA Pay per KM						Agreed	Finder's summary: KOBA car insurance uses a pay-per-km system – ideal if you drive less. It offers comprehensive cover for things like theft, hail, fire and 3rd party damage. Who it might be good for: Anyone who doesn't drive that much or want to limit how much they're on the road.	View details	Compare	loading Fetching your data...
Budget Direct Third Party Fire and Theft Finder Award		Optional				Agreed	Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Youi Third Party Fire and Theft					Optional	Agreed or Market	Up to $20 million legal liability cover and 24/7 claims team.	Get Quote View details	Compare	loading Fetching your data...
Coles Third Party Fire and Theft		Optional				Agreed or Market	Get 10% off your first year's premium online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Bendigo Bank Third Party Fire and Theft						Agreed or Market	Get up to $30m in liability cover, $5,000 in protection against uninsured drivers, towing costs and more with Bendigo Bank’s midweight policy.	Get Quote View details	Compare	loading Fetching your data...
Qantas Third Party Property, Fire and Theft		Optional				Market	Earn Qantas Points when you sign up. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Woolworths Third Party Fire and Theft		Optional				Market	Buy online and save up to 15%. Plus, Everyday Rewards Members will save 10% on their monthly shop. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Budget Direct Third Party Property Damage Finder Award		Optional				Agreed	Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Youi Third Party Property Damage						Agreed or Market	Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.	Get Quote View details	Compare	loading Fetching your data...

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