Car Loan

Borrow up to $100,000 for a new car or dealer used car.

  • Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.

If you're looking for a competitive loan option to help you get into that new car sooner, you might want to consider the car loan. The 100% Australian-owned and online lender offers a car loan with a competitive fixed rate and flexible loan terms.

3 things to know about the car loan

  • Fixed interest rate. You will receive a fixed rate, meaning your interest payment will remain the same through the loan term.
  • Flexible loan amounts. You can borrow from $5,000 to $100,000.
  • Early repayment option. You can repay your loan early without penalty if you're in the last 12 months of your loan term.
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Application Fee

From 4.67% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Max Loan Amount

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Product - New and Dealer Used Car Loan
Interest Rate (p.a.)From 4.67% (fixed)
Comparison Rate (p.a.)5.22%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max Loan Amount$100,000
Go to's website

Main points to consider with the car loan

The Car Loan is a secured loan, meaning the car you purchase will be used as security for the loan. You'll need to be looking to purchase a car that's worth at least $5,000 although you have the option of adding your on-road costs into the loan amount.

This is a fixed interest rate loan, meaning your repayments will stay the same for the duration of your term, which can be from three-to-five years.

If you're looking to refinance an existing car, offers a competitive refinancing loan for vehicles valued at $30,000 or more that you might want to consider.

Features of the car loan

  • Special offer. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. Terms and conditions apply.
  • Fixed interest rate. The loan comes with a competitive fixed rate from 4.67% p.a.
  • Loan amount. You can borrow an amount between $5,000 and $100,000. If you're looking to purchase a car cheaper than the minimum amount offered, you have the option of adding your on-road costs into the loan amount.
  • Loan term. Borrow the money for a period of 3, 4 or 5 years.

Fees and charges

As with all loans, you will be charged certain fees with the Car Loan. Take a look at the breakdown of fees below:

  • Establishment fee. $400
  • Early repayment fee. This will apply if the loan is paid off before the last 12 months of the loan term.

You will not pay an ongoing monthly fee and will not pay the early repayment fee if you pay off the loan within the last 12 months of the agreed term.

How to apply for the Car Loan

You can apply for the Car Loan by clicking "Go to Site". The application process should take approximately 15 minutes to complete. You'll need to be over the age of 18 and a permanent Australian resident to apply.

You'll need to supply:

  • Proof of identity
  • Proof of income
  • Details of your assets and liabilities

If this sounds like the right loan for you, you can apply using the buttons above. Keep in mind, it's always important to compare your car loan options before deciding on a loan that best suits your purposes.

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.

Ask an expert

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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 Privacy & Cookies Policy.


    Default Gravatar
    November 28, 2018

    Hi there, is it possible to get a loan for a second hand car or are these just for new cars?

      Avatarfinder Customer Care
      November 29, 2018

      Hi Fiona,

      Thanks for reaching out to Finder.

      If you are referring to car loans, they can also assist with second-hand car loans. You can click on the “Go to site” button so you will be redirected to their website and start your car loan application or speak with their representative.

      If you are still looking to compare loan options for used cars, using our comparison table. Once you have chosen a particular lender, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance. Before applying, please review the car loan terms to see if it suits your needs.

      I hope this helps.


    Default Gravatar
    October 30, 2018

    I don’t have a mortgage, I rent, does this mean I pay I higher interest rate?

      Avatarfinder Customer Care
      October 30, 2018

      Hi Lisa,

      Thank you for leaving a question.

      Not having a mortgage or your living conditions mean that you would pay for a higher interest rate. Since the 5.44% interest rate is fixed, what we need to look at is the comparison rate which is based as an example a $30,000 loan over 5 years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. These rates are for secured loans only. Hope this helps!


    Default Gravatar
    July 13, 2017

    Do you finance used car 3 – 5 years old for amount between 15.000 to 17.000 $ for self-employed ?

      Default Gravatar
      July 14, 2017

      Hi Majid,

      Thanks for your question. Just to confirm though, you have reached finder, a comparison website and general information service, not actually

      Yes, you might be qualified for a car loan provided you meet their eligibility and documentation requirements. Moreover, they can accommodate a loan of $5000 to $100,000 for either new car or used car under 4 years old. If you have decided to apply for this loan, please click the “Go to Site” button above.


    Default Gravatar
    February 23, 2017

    Wondering if I am in casual employment with permanent shifts what is the minimum length of employment I need before I can apply?

      Avatarfinder Customer Care
      February 23, 2017

      Hi Donna,

      Thanks for your question. accepts casual employees but your eligibility will depend on your individual circumstances and loan purpose. You can directly get in touch with them to confirm your eligibility.

      You may also want to compare other loans for casual employees. Please note that the eligibility criteria differ among these lenders.

      On that page, there are lenders listed on our comparison table. Compare them based on various details. Once you’re done, select the “Go to site” button to be redirected safely to your chosen lender’s website.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision on whether the product is right for you.


    Default Gravatar
    March 15, 2016

    Can we get a copy of TCs ?

      Avatarfinder Customer Care
      March 15, 2016

      Hi Alex,

      As a financial comparison service independent of we don’t keep these on hand – you’ll need to contact directly to ask for a copy of these. You can contact them via its website.



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