Mazda CX5 car loans

Learn about car loans for the best-selling SUV.

Last updated:

This mid-size SUV is super popular with buyers, outselling all other competitors in 2018. Here's a quick overview of the number one SUV in Australia, including how to get a competitive car loan to buy one.

Mazda CX-5 SUV car loans comparison table

Updated February 20th, 2020
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Wisr Secured Car Loan
From 5.19% (fixed)
6.08%
$5,000
3 to 7 years
$655 (Includes PPSR registration and private sale fee, if applicable)
$0
You'll receive a personalised interest rate from 5.19% p.a. to 19.49% p.a. based on your risk profile
A flexible car loan from $5,000 - $50,000 with personalised rates and rewards for strong credit customers.

Loans.com.au - New Car Loan
From 4.89% (fixed)
5.44%
$5,000
3 to 5 years
$400
$0
You'll receive a fixed rate from 4.89% 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.
RACV New Car Loans
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% 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.
Credit Concierge Car Loan
From 4.79% (fixed)
5.34%
$10,000
1 to 7 years
$400
$0
You'll receive a fixed rate of 4.79% p.a. with a comparison rate of 5.34% p.a.
Get access to over 20 providers to fund a new or used car.

Beyond Bank Low Rate Car Loan
5.49% (fixed)
5.73%
$25,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 5.49% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
Stratton Finance New Car Loan
From 4.69% (fixed)
5.64%
$10,000
3 to 7 years
$700 (for private seller vehicles this fee is $608)
$9
You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $100,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
IMB New Car Loan
5.45% (fixed)
5.8%
$2,000
1 to 7 years
$250
$0
You'll receive a fixed rate of 5.45% 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.
RateSetter Car Loan
From 4.69% (fixed)
6.03%
$10,000
3 to 7 years
$499 (from $499)
$9
You'll receive a fixed rate from 4.69% p.a.
Borrow up to $100,000 with a RateSetter Car Loan and benefit from no early repayment or exit fees.
NRMA New Car Loan
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% p. a.
Purchase a new car with this loan and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Jump Payments Car Loans
From 4.69% (fixed)
5.51%
$5,000
1 to 7 years
$295 (Varies by lender, starting from $295)
$10
You'll receive a fixed rate from 4.69% p.a. and comparison rate from 5.51% p.a.
Borrow between $5,000 and $250,000. Get access to customised finance options.
CUA Secured Fixed Car Loan
6.79% (fixed)
7.16%
$5,000
1 to 7 years
$265 ($175 Establishment Fee + $90 Security Administration Fee)
$0
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.
Australian Military Bank Car Loan
From 5.71% (fixed)
6.57%
$4,000
1 to 7 years
$500 (from $100 to $500)
$10
You'll receive a fixed rate between 5.71% p.a. and 8.66% p.a. based on your personal credit history
A flexible loan to help you finance a car, motorbike or boat up to five years old.
MyState Bank Secured Fixed Rate Personal Loan
From 5.99% (fixed)
6.63%
$10,000
1 to 10 years
$200
$5
You’ll receive a fixed rate of 5.99% p.a. ( 6.63% p.a. comparison rate ).
Apply for up to $75,000 available with asset security. Only good credit applicants can apply for this loan.
Westpac Car Loan
8.49% (fixed)
9.67%
$10,000
1 to 7 years
$250
$12
You'll receive a fixed rate of 8.49% p.a.
Finance a new or used car and benefit from convenient features for car buyers including a car search tool and the option to borrow extra for on-road costs.
St.George Secured Personal Loan - Fixed Rate
From 8.49% (fixed)
9.6%
$3,000
1 to 5 years
$195
$12
You'll receive a fixed rate from 8.49% p.a. based on the value of your car
Get a competitive rate and apply for a larger loan up to $80,000 when you attach a new or used car as security to the loan.
IMB Secured Personal Loan
6.45% (fixed)
6.8%
$2,000
1 to 5 years
$250
$0
You'll receive a fixed rate of 6.45% p.a.
Benefit from this competitive rate by securing the loan with a vehicle up to 6 years old. Use this flexible loan for any purpose.
NRMA Used Car Loan
From 6.99% (fixed)
7.7%
$5,000
1 to 7 years
$499
$0
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.

Compare up to 4 providers

Mazda CX-5: Specs and pricing

You can buy the CX-5 in front-wheel drive or all-wheel drive. For FWD models, there are two trim grades, Maxx and Maxx Sport. With the AWD, Mazda offers Maxx, Maxx Sport, Touring, GT and Akera trims.

As a compact crossover SUV model, it's decently priced. FWD Maxx CX-5s are the least costly, with a drive-away cost of $33,990. A top of the line Akera AWD CX-5 will cost you $51,235.

Transmission wise, you have the option of a six-gear manual or a six-speed auto. Mazda equips the CX-5 with either a 2.0-litre, four-cylinder petrol (115kW, 200Nm) or a more powerful 2.5-litre petrol (140kW, 252Nm) engine. The 2.0-litre looks to edge out the bigger engine on fuel use, consuming just 6.9 litres per 100km versus 7.4 litres. There's also a 2.2-litre diesel for those who want it. This is the most frugal power plant, sipping just 5.7 litres per 100km and having 140kW, while making a maximum torque of 450Nm.

Mazda CX-5 Maxx FWD

Mazda CX-5 Maxx

The CX-5 Maxx is the introductory model to both the FWD and AWD alternates. For a FWD, expect to pay from $33,990. An AWD variant will cost you $38,990.

Note: The AWD Maxx is configured as an automatic and fitted with the 2.5-litre SkyActiv-G. It also has cylinder deactivation to help improve fuel economy. It also gets a 2-litre larger fuel tank (58 litres).

Standard features on the Maxx include the following:

  • 17-inch steel wheels
  • Power-adjusting, folding mirrors (body coloured)
  • Automatic LED headlights
  • Two-speed, front rain-sensing wipers
  • Air conditioning
  • Mazda Radar Cruise Control (MRCC) with Stop & Go
  • Power windows
  • Black cloth seats
  • Rear seats with reclining function
  • Leather steering wheel, tilt and telescopic
  • Leather gear-shift knob
  • Advanced keyless push-button ignition
  • Six-speaker audio system
  • Bluetooth hands-free phone and audio capability
  • Electric parking brake with auto hold
  • Seven-inch infotainment screen
  • Internet radio integration
  • Start/stop engine
  • Apple CarPlay and Android Auto

Safety equipment includes the following:

  • Six airbags
  • Blind-spot monitoring (BSM)
  • Driver attention alert (DAA)
  • Forward obstruction warning (FOW)
  • G-vectoring control (GVC Plus)
  • High beam control (HBC)
  • Lane departure warning (LDW)
  • Lane keep assist system (LKAS)
  • Manual speed limiter (MSL)
  • Rear parking sensors
  • Rear cross traffic alert (RCTA)
  • Reverse camera
  • Smart brake support (SBS)
  • Forward and reverse smart city brake support (SCBS)
  • Tyre pressure monitoring system (TPMS)

For the money, it's a pretty decent spec list. ANCAP awarded the CX-5 five-stars in 2017.

Mazda CX-5 Maxx Sport SUV

Mazda CX-5 Maxx Sport

Maxx Sport builds upon the Maxx, with a drive-away cost of $38,740. For the extra money, you'll get the following:

  • 17-inch alloy wheels
  • Front fog lamps - LED
  • Air conditioning (dual-zone climate control)
  • Auto-dimming rear-view mirror
  • Rear seat centre armrest with USB charging plugs
  • Satellite navigation

You also get the choice of a diesel, which isn't available on the Maxx line.

Mazda CX-5 Touring SUV

Mazda CX-5 Touring

Touring marks the start of the AWD-only models, and Mazda asks $43,740 for this model.

In return, you get the following (improving on the Maxx Sport spec):

  • Heated and auto-folding power mirrors
  • Black Maztex, synthetic leather replacement/black suede
  • Advanced keyless entry

Extra safety features include the following:

  • Active drive display (head-up display)
  • Front parking sensors
  • Traffic sign recognition (TSR)

Mazda CX-5 GT SUV

Keen to learn more about the models above? Read our comprehensive Mazda CX-5 review.

Mazda CX-5 GT

The GT CX-5 starts from $48,485. It's based on the Touring spec with the addition of the following:

  • 19-inch alloy wheels
  • Power sliding and tilting glass sunroof
  • Remotely operated power tailgate (open/close)
  • Heated front seats, with the driver's seat having two-position memory and 10-way power-adjustment
  • Six-way passenger seat power adjustment
  • Black or Pure white leather
  • Premium Bose 10-speaker (counting subwoofer) sound system with 249-watt amp

Mazda CX-5 Akera SUV

Mazda CX-5 Akera

You'll need to shell out $51,235 for the top of the line Akera, fitted with a 2.5-litre petrol. For a 2.2-litre diesel, the drive-away price rises to $54,235.

Akera adds to the GT spec. Highlights include the following:

  • 19-inch alloy wheels with a Brilliant Dark finish
  • 360° surround view
  • Adaptive LED headlamps
  • Front seats with cooling function
  • Second row outer seats heating function
  • Dark Russet Nappa leather
  • Heated steering wheel
  • Seven-inch multi-information metre display
  • LED ambient lighting
  • Black headliner
  • Frameless rear-view mirror
  • Wood dashboard and door trim pieces
  • Overhead console

Why buy a Mazda CX-5?

Why is the CX-5 such a popular SUV? What are its key selling points?

  • Contemporary exterior
  • Quality interior, well assembled
  • Mazda's dealer network
  • Praiseworthy interior design
  • Active safety assists
  • Handling and ride
  • Quiet interior
  • Comfortable ride
  • Five-year, unlimited-kilometre warranty and five-year premium roadside assistance
  • Five-star ANCAP
  • Spacious

A quick car loan primer

Here's what the perfect car loan would look like:

  • A keen interest rate (lower number preferable)
  • Affordable (or no) application charges
  • Zero to minimal monthly/annual fees
  • Monthly repayments in budget
  • Little bit of give in payment scheduling, so you could pay back extra occasionally if desired

Holding each prospective loan against this list should help you weigh them up. The more of the above criteria it meets, the closer you are to a competitive car loan.

How to compare car loans for the Mazda CX-5

There are several ways to purchase a car, with varying types of vehicle finance.

This article will mainly concentrate on secured and unsecured car loans.

Secured car loans

If you compare secured and unsecured car loans, you'll see the former have lower interest rates. That's because secured car loans use the vehicle you buy as a form of collateral against the loan. The lender lodges their interest on the Personal Property Security Register (PPSR). That means if you fail to pay, they can legally recover the asset, in this case, your car. To a lender, this represents less risk, so they pay it forward by dropping the interest rate. You may also be cleared to borrow a higher figure with this type of loan.

The following are some of the downsides to secured car loans:

  • There may be conditions placed on the type and age of vehicle you buy
  • You'll likely be restricted in how you can spend the loan (just on the car, not on related/unrelated costs)

Unsecured car loan

If you want more freedom when it comes to the age and type of vehicle you buy, as well as how you spend the borrowed funds, you might consider an unsecured car loan. With an unsecured car loan, no security interest is taken in collateral. The interest rates won't be quite as juicy, but there are fewer constraints attached to the loan.

Like life, there are some downsides to an unsecured car loan. Mainly, with a higher interest rate, you'll pay more back over the loan term compared to a secured one. Likely, you'll be able to borrow less money and the criteria for applying will be more exacting.

As you do your calculations to see what you can afford, always make sure to include figures like any application/monthly fees and the interest.

Using the car loan comparison tool

We designed our car loan comparison tool to be as easy and quick to use as possible. All you need to do is select a car model, find out the drive-away price (we've included some figures above), pick the length of time you'd like to borrow the cash over and then hit calculate.

Should the monthly repayments be just beyond your budget range, think about extending the loan term. Though you'll pay more in interest, it will spread out the cost and lower the price month-to-month. As a general guide, a $30,000 car loan over three years could cost approximately $900 per month (as of January 2020), while the same loan over six years will be nearer to $500.

Finding all this car loan information confusing? Check out our simple, everyday-language guide to car loans.

Recent car reviews

Picture: Supplied

Related Posts

Car Loan Offers

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

You'll receive a fixed rate of 5.45% 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 5.49% 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 5.69% 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 Stratton Finance New Car Loan
Stratton Finance New Car Loan

You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $100,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.

Ask an Expert

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

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.
Ask a question
Go to site