Mazda finance options

This guide will help you understand the different Mazda finance options and instantly compare Mazda car loans.

What type of Mazda finance options are there?

You have a number of Mazda finance options available when it comes to getting a new car. These include:

• Secured car loan. A secured car loan requires you to use your Mazda as security against the loan. You'll generally receive a lower rate than on a normal loan, but the lender may take ownership of the vehicle in the event you don't repay your loan.
• Unsecured loan. If you don't wish to use the Mazda as security, you can opt for an unsecured loan to finance your car. These loans usually have higher interest rates than secured loans and may have lower maximum loan amounts.
• Novated lease. This involves an agreement between you, your employer and a third-party financier where you pay for your vehicle out of your pre-tax salary. Your employer will be responsible for making the repayments to the lender directly from your salary, allowing you to reduce your taxable income.
• Commercial hire. This involves you renting the car and having the benefits of ownership without actually owning the Mazda. This can be a good option for business owners and people who want the car but don't want to own it outright.
• Chattel mortgage. This is a Mazda finance option for businesses where a lender loans money to the company for the car and then puts a mortgage on the car, which is repaid over the term of the loan.
• Mazda dealer finance. Many large carmakers such as Mazda also offer car finance through their dealers. Most dealer finance options require you to make a lump-sum balloon payment at the end of the loan term. In Australia, Mazda partners with Australian Alliance Automotive Finance Pty Limited to provide finance.

Other costs to consider

• Servicing and repairs. All cars require ongoing servicing and maintenance to ensure they stay in good working condition. You'll also need to pay for any unexpected repairs for your vehicle.
• Registration and insurance. You'll need to purchase compulsory third party (CTP) insurance and register your car in order to use it in Australia. There are also a number of optional insurance products to help protect you against theft, fire, accidents and any other damage. The cost of optional insurance will vary based on your specific plan, as well as your driving history, age and gender.
• Stamp duty. The duty you pay when purchasing a car will differ based on your state or territory. You can use our stamp duty calculator to see how much you'll pay.
• New car extras. If you plan on getting add-ons such as leather seats or parking sensors, you should factor the cost into your budget.
• Fuel. Your fuel usage will be determined by the amount you use you car, as well as the fuel efficiency of the model you choose. The ATO classifies a fuel-efficient car as one with a fuel consumption of less than 7L/100km, meaning all current Mazda models can be considered fuel-efficient according to this guideline.
• Cost of finance. If you take out a car loan or use another form of finance to help purchase your Mazda, you should consider the cost of the loan as part of your overall costs. See below for more information on your financing options.

Things to consider before taking out finance on a Mazda

Here are a few things to consider before deciding to finance a Mazda.

• Fees. Make sure you’re aware of all of the fees you may have to pay before applying for a loan. This can include upfront fees, such as application and establishment fees, or ongoing fees such as monthly or annual fees.
• Loan term. Figure out realistically how quickly you can afford to pay off your loan and find a loan term that meets this.
• Interest rates. Compare interest rates to find the lowest and best rate for you. This is a crucial detail to look at as this impacts your repayments and the overall cost of your loan.
• Comparison rate. The comparison rate factors in any additional fees or charges to give you the true cost of the loan. It's always worth finding out the comparison rate when looking at a range of loans.
• The amount you want to borrow. Different lenders will have different loan amounts they'll be willing to lend. Make sure you find a loan product that meets your borrowing needs.

Mazda finance options: What you'll need to apply

Eligibility criteria and application requirements differ between lenders, but you'll generally need to meet the following criteria to be eligible for a loan:

• Be 18 years of age or over
• Be an Australian citizen or permanent resident
• Have a steady income that allows you to afford the repayments
• Be employed in some capacity (some lenders will accept Centrelink applicants)

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Finder Score	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Promoted Finder Score 9.4 Excellent OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 9.1 Excellent IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Finder Score 9.1 Excellent	Interest Rate (p.a.) 5.99%	Comp. Rate (p.a.) 6.34%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $616.71	Borrow up to $125,000, pay no account-keeping fees and repay with fixed repayments while having the ability to repay early.	Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 8.5 Great Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.5 Great	Interest Rate (p.a.) 5.67% to 18%	Comp. Rate (p.a.) 6.1% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $617.41	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.5 Great loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.5 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 7.7 Great RACV New Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.7 Great	Interest Rate (p.a.) 6.59% to 17.69%	Comp. Rate (p.a.) 7.29% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $629.11	Go to siteView details Compare product selection Compare	loading
Finder Score 7.5 Great loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.5 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 9.4 Excellent OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Finder Score 9.4 Excellent	Interest Rate (p.a.) 5.95% to 18.99%	Comp. Rate (p.a.) 5.95% to 21.78%	Application Fee $0 min.	Monthly Fee $0	Monthly Repayment $607.99	No monthly or early exit fees. Loan amounts range from $5,000 to $100,000. No vehicle age limit. Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.	Go to siteView details Compare product selection Compare	loading
Finder Score 8.3 Great Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Finder Score 8.3 Great	Interest Rate (p.a.) 6.59% to 18%	Comp. Rate (p.a.) 7.91% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.92	Your own personal car loan broker can help you borrow up to $300,000 for your new car by choosing from a range of finance options.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.4 Great RACV Used Car Loans Fixed1 - 7 Years $5,000 - $100,000	Finder Score 7.4 Great	Interest Rate (p.a.) 7.89% to 17.69%	Comp. Rate (p.a.) 8.6% to 18.47%	Application Fee $499	Monthly Fee $0	Monthly Repayment $641.32	Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.	Go to siteView details Compare product selection Compare	loading
Finder Score 7.4 Great loans.com.au - Variable Rate Used Car < 3 years Variable3 - 7 Years $10,000 - $150,000	Finder Score 7.4 Great	Interest Rate (p.a.) 5.99% to 15.89%	Comp. Rate (p.a.) 7.12% to 17.01%	Application Fee $400	Monthly Fee $8	Monthly Repayment $628.52	Go to siteView details Compare product selection Compare	loading
Finder Score 7.2 Great loans.com.au - Fixed Rate Used Car Loan (6 to 7 years) Fixed3 - 7 Years $10,000 - $150,000	Finder Score 7.2 Great	Interest Rate (p.a.) 6.54% to 15.24%	Comp. Rate (p.a.) 7.67% to 16.36%	Application Fee $400	Monthly Fee $8	Monthly Repayment $633.61	Go to siteView details Compare product selection Compare	loading

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Promoted Finder Score 9.4 Excellent Youi Comprehensive Finder Award	Finder Score 9.4 Excellent				Optional	Agreed or Market	Summary: A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.	Get Quote View details Compare product selection Compare	loading
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Finder Score 8 Great ROLLiN' Comprehensive	Finder Score 8 Great					Agreed	Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.	Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess. Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.	Get Quote View details Compare product selection Compare	loading
Finder Score 8.3 Great Bingle Comprehensive	Finder Score 8.3 Great					Market	Summary: Bingle car insurance delivers decent coverage across the basics, such as damage to your car, theft and storms. Who it might be good for: Drivers looking for a no-frills policy with accessible coverage options.	Get Quote View details Compare product selection Compare	loading
Finder Score Not scored yet Bingle Rideshare	Finder Score Not scored yet					Market	Continue View details Compare product selection Compare	loading
Finder Score 9.2 Excellent Kogan Comprehensive	Finder Score 9.2 Excellent	Optional				Agreed or Market	Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. T&Cs apply.	Summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online. Who it might be good for: Kogan shoppers and those after a good range of policy options.	Get Quote View details Compare product selection Compare	loading
Finder Score 9.9 Excellent Qantas Comprehensive	Finder Score 9.9 Excellent	Optional			Optional	Agreed or Market	Earn up to 35,000 Qantas Points with every car insurance policy. Ends 1 April 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.	Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). Who it might be good for: People who want more bang for their buck with Qantas Points.	Get Quote View details Compare product selection Compare	loading

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Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

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Mazda models available in Australia

There are nine new Mazda models currently available for purchase in Australia, including hatchbacks, sedans, SUVs and a sportscar. These are:

How much does it cost to buy a Mazda?

According to Redbook, the purchase prices of popular 2019 Mazda models are as follows:

Written by

Courtney Allan

Graduate publisher

Courtney Allan was a writer at Finder covering personal finance. She has written for a number well-known publications and companies including the NRMA. See full bio