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Mazda3 car loans

Learn all you need to know about getting a loan to buy one of the nation's favourite hatchbacks.

Updated

The Mazda3 is a premium feeling, well-built, elegantly-styled hatch.

Consistently high sales have proven the findings of motoring journalists, who described the Mazda3 as having a great spec, a pleasing level of safety tech and a modern design aesthetic. In the battle of the hatches, it's up there with the Toyota Corolla and the Hyundai i30.

Here's everything you need to know about applying for a competitive car loan for a Mazda3.

Mazda3: Specs and pricing

In Australia, Mazda offers customers six grades for the Mazda3 as well as two body styles. Prices range from $28,888 for the introductory G20 Pure (like Toyota's Corolla, there's no price difference between hatch and sedan models), topping out with the G25 Astina at $41,758.

Mazda equips Australian models with either a 2.0-litre or 2.5-litre Skyactiv-G petrol engine. This line of combustion engines set a mass production landmark, having the highest compression ratio to date. The benefits are a 15% improvement in fuel economy and torque. Next year, Mazda plans to trump this version with the Skyactiv X.

Across the Mazda3 stable, buyers can choose either a six-speed manual or an automatic transmission.

Mazda 3 G20 Pure hatch

Mazda3 G20 Pure

Kicking things off, the G20 Pure sets a high benchmark for entry models. For just $28,888, you get the following:

  • 16-inch alloys
  • Halogen daytime running lights
  • LED headlamps (with auto on/off)
  • Rain-sensing wipers
  • Active driving display (head-up display)
  • A/C (standard)
  • Mazda Radar Cruise Control (MRCC)
  • 7-inch multi-information display
  • All-round power windows (one-touch up/down)
  • Cloth seats
  • DAB+ radio
  • 8-speaker audio system
  • Bluetooth phone connectivity
  • Keyless starting
  • 8.8-inch infotainment widescreen
  • Sat nav
  • Apple CarPlay and Android Auto
  • Power folding exterior mirrors and electric adjustment
  • Rear spoiler
  • iPod compatible USB input

Where the 3 really seems to excel is with its abundant safety assists, which no doubt helped it to achieve a five-star ANCAP crash rating. The following are included as standard:

  • 7 airbags
  • Driver attention alert
  • Blind-spot monitoring
  • Forward obstruction warning (FOW)
  • High beam control
  • Intelligent speed assistance
  • Lane departure warning
  • Lane-keep assist system (LAS)
  • Rear parking sensors
  • Rear cross-traffic alert
  • Reverse camera
  • Smart brake support (forward, with pedestrian and cycle detection) and reverse
  • Smart brake support (rear crossing) (SBS-RC)
  • Smart city brake support (SCBS) (forward, with pedestrian and cycle detection) and reverse
  • Traffic sign recognition
  • Emergency stop signal
  • Tyre pressure monitoring

Mazda3 G20 Evolve hatch

Mazda3 G20 Evolve

Moving up a notch, we arrive at the G20 Evolve, which has a drive-away price of $30,649.

In addition to the Pure spec, you'll also receive the following:

  • Metallic grey 18-inch alloys
  • A/C dual-zone climate control, with rear vents
  • Auto-dimming rear-view mirror
  • Leather-wrapped gear shift knob and steering wheel
  • Rear seats have a centre fold-down armrest
  • Autos have paddle shifters for gears

Mazda 3 G20 Touring hatch

Mazda3 G20 Touring

If you have $33,518, you can afford the G20 Touring. This model adds extra passenger comforts such as the following:

  • Advanced keyless entry
  • Auto-dimming exterior mirrors (on driver's side)
  • Exterior mirrors with reverse tilt-down function
  • Position memory on wing mirrors
  • Overhead sunglass storage pocket
  • Black leather seat upholstery
  • 10-way power-adjustable driver's seat with lumbar adjustment and two-position memory
  • Front illuminated vanity mirrors

Mazda 3 G25 Evolve hatch

Mazda3 G25 Evolve

Mazda sells the G25 Evolve with a drive-away cost from $34,044. This is the first of the 2.5-litre Mazda3s, so you have a little more get up and go under your right foot.

Highlights, in addition to the Touring spec, include the following:

  • Cylinder deactivation
  • More powerful and torquey 2.5-litre Skyactiv-G engine

Mazda 3 G25 GT review

Mazda3 G25 GT

What do you get for the $37,643 Mazda asks for the G25 GT?

  • Heated exterior mirrors
  • Heated front seats
  • 12-speaker, premium sound system from Bose
  • Heated steering wheel

Mazda 3 G25 Astina hatch

Mazda3 G25 Astina

The premium G25 Astina sells from $41,758. This model is fully decked out and stand-out inclusions include the following:

  • 18-inch black alloys
  • 360° surround-view monitor
  • Adaptive LED headlights
  • Cruising and traffic support
  • Driver monitor
  • Front cross-traffic alert
  • Front parking sensors
  • Glass sunroof with power tilt and slide
  • Black leather or optional Burgundy
Want to know more about the Mazda3?

Read our detailed Mazda3 comparison review, a combination of several motoring expert reviews that helps save you time. Our team have also spent time behind the wheel of a 2019 Mazda3 G25 Evolve. We have even put together a guide on Mazda3 prices and general info about the range.

Why buy a Mazda3?

Hatchbacks are a really popular car and the market is competitive. Why, then, should you buy the Mazda3 over the slightly more popular Toyota Corolla or its close rival, the Hyundai i30?

  • The Mazda3 looks cutting edge.
  • It has one of the most impressive equipment lists of any hatch.
  • It's reportedly great to drive, with responsive handling.
  • Reviewers say it's quiet in the cabin.
  • Motoring experts said it felt like a very high-quality vehicle.

How to pick a great car loan

Here's how to quickly evaluate a car loan offer:

  • Does it have a low interest rate?
  • Are there any application fees?
  • Do you have to pay a monthly fee
  • Are the monthly repayments affordable?
  • Do you have some payment flexibility? Can you pay back the loan early or pay extra one month?

Generally, you'll want to look for a lower interest rate figure, small (or even zero) application fees, minimal or no monthly charges, monthly payments that sit comfortably in your budget and some leeway to overpay as desired.

How to compare car loans for the Mazda3

There are a lot of car finance options out there, here we're focussing on secured and unsecured car loans.

Secured car loan

Comparing secured car loans, you'll note that they tend to have more attractive rates attached to them. This is because the lender registers a legal interest in your vehicle. That way, should you default on your loan, they can recover their losses (taking back the car). Because of this reduced risk assessment, they can offer loans with more competitive rates. The downside is, you are typically restricted with what the funds can be used for, so it's unlikely you can borrow extra to cover insurance or modifications after purchasing.

Unsecured car loan

If you find yourself in a situation where you'd like to take out a loan for the purchase of a car, but also to cover other related costs, check out an unsecured car loan. The interest rates will be slightly higher as loan lenders don't hold your car as security against the loan. On the plus side though, you have more freedom in deciding what you'll use the funds for.

Don't forget to calculate the true cost of a loan, you'll need to include things like the application fee and monthly account charges as well as interest.

How to use our car loan comparison tool

If you're thinking about taking out a loan for the Mazda3, here's what you need to do. Find the price of the model you're most interested in, we've listed the current drive-away prices (as of December 2019) on this page. Then, put that number into the loan tool, select the number of years you'd like to borrow the money over and you're done! All available loans will appear.

If you find that the monthly repayment is out of your budget, play around with the term length. Paying the money back over a longer period results in breaking the cost of a car into smaller chunks. A three-year loan is roughly twice as much per month as a car loan taken over six years. Note, however, you will pay more in interest, so the arrangement will technically cost you more.

Is all this talk of numbers and figures taking you back to high school maths class? Scratching your head? Our simple car loans guide will fill you in on the ins and outs of car loans, without the confusing jargon. After reading that, you'll be a car loan pro!

Mazda3 loans comparison table

Data indicated here is updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Loans.com.au - New and Dealer Used Car Loan
From 4.67% (fixed)
5.22%
$5,000
3 to 5 years
$400
$0
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. Note: Settle the loan before 30 November 2020 and enter the draw to win a $1,000 fuel voucher. Terms & conditions apply.
IMB New Car Loan
5.45% (fixed)
5.8%
$2,000
1 to 7 years
$275.12 ($250 Application fee + $25.12 PPS registration fee)
$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.
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.
IMB Secured Personal Loan
6.45% (fixed)
6.8%
$2,000
1 to 5 years
$275.12 ($250 Application fee + $25.12 PPS registration fee)
$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.
Greater Bank New Car Loan
From 5.49% (fixed)
5.87%
$5,000
1 to 7 years
$275
$0
You'll receive a fixed rate of 5.49% p.a.
Apply for this loan to finance a brand new car or demonstrator vehicle and find out if you've been approved in 24 hours.
Stratton Finance New Car Loan
From 4.05% (fixed)
5.63%
$10,000
3 to 7 years
$700
$8.25
You'll receive a fixed or variable rate 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.
Credit Concierge Car Loan
From 4.45% (fixed)
5%
$10,000
1 to 7 years
$350
$0
You'll receive a fixed rate of 4.45% p.a. with a comparison rate of 5% p.a.
Get access to over 20 providers to fund a new or used car.

RateSetter Car Loan
From 4.89% (fixed)
5.44%
$10,000
3 to 7 years
$399 (from $249 to $799)
$0
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a RateSetter Car Loan and benefit from no early repayment or exit fees.
Beyond Bank Low Rate Car Loan
4.89% (fixed)
5.16%
$25,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 4.89% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
Greater Bank Secured Personal Loan
From 6.49% (fixed)
6.88%
$5,000
1 to 7 years
$275
$0
You’ll receive a comparison rate of 6.88% p.a. on funding from $5,000 - $100,000.
Loans are available on terms of up to 7 years and asset security is required. Get approved in as little as 24 hours.
Jump Payments Car Loans
From 4.47% (fixed)
5.28%
$5,000
1 to 7 years
$295 (Varies by lender, starting from $295)
$10
You'll receive a fixed rate from 4.47% p.a. and comparison rate from 5.28% p.a.
Borrow between $5,000 and $250,000. Get access to customised finance options.
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 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.
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.
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Compare up to 4 providers

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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 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 4.89% 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 $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.

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