Want to buy a Fiat? Compare your finance options here

Fiat finance options

In the market for a Fiat? Here's our guide to the Fiat finance options currently available.

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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:

    • Fiat 500
    • Fiat 500C
    • Fiat 500X
    • Fiat 595
  • Fiat 124 Spider
  • Fiat Ducato
  • Fiat Doblo

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

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
IMB New Car Loan
4.99%
(fixed)
5.34%
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 that's up to two years old.
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 that's up to two years old.
Plenti Car Loan
From
4.89%
(fixed)
5.44%
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
You'll receive a fixed rate from 4.67% 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. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
You'll receive a fixed rate from 4.67% 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. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 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.
You'll receive a fixed rate from 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.
Credit Concierge Car Loan
From
3.85%
(fixed)
4.91%
You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

Wisr Secured Car Loan
From
4.74%
(fixed)
5.01%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

NAB Personal Loan Unsecured Fixed
From
6.99%
(fixed)
7.91%
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
OurMoneyMarket Car Loan
From
5.35%
(fixed)
5.65%
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
CUA Secured Fixed Car Loan
6.79%
(fixed)
7.16%
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
Latitude Personal Loan (Secured)
From
5.99%
(fixed)
7.26%
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
Stratton Finance New Car Loan
From
3.85%
(fixed)
4.05%
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
SocietyOne Car Loan
From
6.99%
(fixed)
6.99%
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Driva Car Loan
From
3.95%
(fixed)
5.1%
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
RACV New Car Loans
From
4.99%
(fixed)
5.69%
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.
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.
NRMA Used Car Loan
From
6.49%
(fixed)
7.19%
You'll receive a fixed rate from 6.49% 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.
You'll receive a fixed rate from 6.49% 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.
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Compare up to 4 providers

Compare car insurance side-by-side and get quotes

Data updated regularly
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so 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.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll 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 you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths catches our eye due to some unique perks like a price-beat guarantee, where it'll beat any current comparable comprehensive renewal notice if you're over 25. You'll also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.35 per month.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.
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. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums plus you can get up to 15% off when you purchase a new car insurance policy. T&Cs apply. Additionally, their Fixed Kilometre Plan can save you up to 30% compared to their standard comprehensive cover.

Who it might be good for: People who drive less than 15,000 km per year.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
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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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One Response

    Default Gravatar
    ClaireFebruary 24, 2019

    Will my car be scured with a car loan with fiat finance services?

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