Finder makes money from featured partners, but editorial opinions are our own.

Online Car Finance Quote

Comparing online car finance quotes is one of the most convenient ways for you to shop around for the best deal.

If you plan on buying a new or used car, you obviously want to compare what the market has to offer. It’s quite easy to get caught up with new features and the smell of a new car, but it’s always wise to put the excitement aside and compare what different financiers have to offer. Most people resort to financing when buying a car, so it makes sense to compare quotes to ensure you get the best possible deal. Over the term of the loan, comparing could save you hundreds if not thousands of dollars.

Gone are the days when you had to walk from lender to lender in a bid to compare rates. You can now conveniently get car finance quotes online.

Online car finance quote (indicative only)

{"visibility":"visibilityTable","ctaLabel":"Calculate","tableCode":"AUFCL_COMPARISON_V2_TABLE","nicheCode":"AUFCL","fields":[{"name":"LOAN_AMOUNT","value":"20000","options":"","label":"Loan amount","suffix":"$","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"PERIOD","value":"3","options":"","label":"Loan term","suffix":"years","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""}]}
1 - 15 of 19
Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket Car Loan - Excellent Credit
ExclusiveFixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
6.57%
to 21.78%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$613.62
Go to siteMore Info
Finder Exclusive: Apply by December 15th 2023 and if approved, OurMoneyMarket will waive the establishment fee for Excellent Credit Customers.
OurMoneyMarket New Car Loan
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
$622.82
Go to siteMore Info
loans.com.au - New - Variable Rate Special
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
6.24%
Comp. Rate (p.a.)
7.36%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$630.83
Go to siteMore Info
NRMA New Car Loan
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$635.67
Go to siteMore Info
Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.49% p.a. and comparison rates from 6.19% p.a.)
CarMoney New Car Loan
ExclusiveFixed18 Months - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
6.89%
to 15.09%
Comp. Rate (p.a.)
8%
to 16.16%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$636.87
Go to siteMore Info
Finder Exclusive: Apply for and settle a car loan and get a $200 cashback. Limited time offer. Terms and conditions apply.
Stratton Finance New Car Loan
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$625.27
Go to siteMore Info
You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
RACV New Car Loans
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.29%
to 16.99%
Comp. Rate (p.a.)
8%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$635.67
Go to siteMore Info
You'll receive a fixed rate from 7.29% 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.
loans.com.au - New - Fixed Rate Special
Fixed3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.09%
Comp. Rate (p.a.)
8.21%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$638.73
Go to siteMore Info
You'll receive a fixed rate of 7.09% 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.

OurMoneyMarket Used Car Loan - No Vehicle Age Limit
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
$250
min.
Monthly Fee
$0
Monthly Repayment
$622.82
Go to siteMore Info
NRMA Used Car Loan
Fixed1 - 7 Years $5,000 - $130,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$647.01
Go to siteMore Info
You'll receive a fixed rate from 8.49% 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.
CarMoney Used Car Loan
Fixed18 Months - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
6.2%
to 15.75%
Comp. Rate (p.a.)
6.71%
to 16.18%
Application Fee
$399
Monthly Fee
$0
Monthly Repayment
$622.43
Go to siteMore Info
Stratton Finance Used Car Loan
Fixed1 - 7 Years $10,000 - $300,000
Interest Rate (p.a.)
6.52%
to 18%
Comp. Rate (p.a.)
6.95%
to 23%
Application Fee
$395
Monthly Fee
$0
Monthly Repayment
$625.27
Go to siteMore Info
You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a.
A used car loan of up to $300,000 with quick approval times and balloon payment options.
RACV Used Car Loans
Fixed1 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
8.49%
to 16.99%
Comp. Rate (p.a.)
9.21%
to 17.77%
Application Fee
$499
Monthly Fee
$0
Monthly Repayment
$647.01
Go to siteMore Info
You'll receive a fixed rate from 8.49% p.a.
Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
loans.com.au - Variable Rate Used Car < 3 years
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.74%
Comp. Rate (p.a.)
8.85%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$644.82
Go to siteMore Info
loans.com.au - Variable Rate Used Car < 5 years
Variable3 - 7 Years $5,000 - $150,000
Interest Rate (p.a.)
7.74%
Comp. Rate (p.a.)
8.85%
Application Fee
$400
Monthly Fee
$8
Monthly Repayment
$644.82
Go to siteMore Info
loading
Showing 15 of 19 results

Calculate how much you could borrow

Before you get a quote for your next car, it could be a good idea to know how much you could borrow. Use the calculator below to get an estimate of your borrowing power

Your loan details

Loan amount
$
Term
Repayment type
Interest rate
%
Interest only period
Payment frequency
Extra monthly repayments
$

Overview of your loan

Once the interest only period ends, your estimated repayments will be
(including extra )
Total loan repayments:
Total interest payable:
Compare car loans
By making extra monthly repayments of
Your loan term could reduce by:
You could pay less interest, saving:
Years remaining Principal remaining
Calculator Assumptions: The above calculations are worked out assuming you’re paying off a principal and interest loan where the interest rate remains the same over the life of the loan. The repayment amounts do not take into account any additional fees or charges that may be charged to your loan (e.g. application fees).
Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as indication only. They are neither a quote nor a pre-qualification for a loan.

How does an online car finance quote work?

Online car finance quotes help you get the right financing for your car loan. They also give you an upper hand when it comes to negotiating a better rate since you have a basic understanding of what the average interest rates and fees are. You are able to get a clear picture of the financial implications of a car loan, allowing you to make an informed choice.

Online car finance quotes work as follows. The first step is for you to provide lenders with your personal and financial information, along with the details of the car you wish to acquire. Each lender will then provide an overview of the type of loan you’d qualify for. You simply need to look for lenders’ sites and click on the link to obtain an online quote. The site will give you a list of the car loans provided by the lender and you can check out the application fees associated with each option.

How to use a car finance quote to make a decision

The main aim of getting online car finance quotes is to find a lender that is most suitable for your needs. It’s advised that you compare quotes from at least three lenders before you settle on one. The most important considerations to look out for are interest rates, monthly repayments, loan term and the fees applicable with the car loan. You can use a comparison table to help you identify exactly how much the loan will cost you in the long run. You can also weigh up the pros and cons of fixed or variable interest rates to determine which option suits you better.

Online quotes will also help you compare the features that come with these loans. For example, you can find out if a certain lender allows extra payments and redraws. At the end of it all, these quotes will help you get the best car loan product.

Picture not described

Pros and cons of online car finance quotes

Pros

  • Convenience. You don’t have to move from one financial institution to another looking for quotes. All you have to do is provide the information required and have your quote delivered to your inbox. This is a convenient and less stressful way of getting quotes.
  • Easy budgeting. Online car finance quotes are beneficial even when you are just thinking of buying a car. They help you to start preparing early since you get an idea of what you would be required to pay for the loan on a monthly basis and in the long run.
  • Better decision making. By comparing quotes, you are able to make an informed decision on the most suitable car loan provider.

Cons

  • Poor decision making. There are far too many lenders online and the abundance of quotes may lead you to make a poor decision on a lender. It helps to work with recognised lenders you can trust.

What should I consider while requesting an online quote?

Picture not described

  • False information. When requesting an online car finance quote, the information you provide must be factual. Providing false information may lead to a lender disqualifying your application.
  • Overpricing / underpricing. Do not overprice or underprice the cost of the car you intend to buy. Remember that the value you provide will contribute to the quote that you will be given, and you need a quote that you can actually use.
  • Settling. Do not settle for the first quote you come across. The whole point is to compare what different lenders have to offer to get the best deal.

How to obtain an online car finance quote

The information required when filling out an online car finance quote includes:

  • The details of the car you wish to buy, such as the make, model, year, condition and where you are buying it.
  • Your financial details. In this section you will list the loan amount and term that you require, as well as indicate whether you have any assets and liabilities.
  • Your personal details. You will need to include your full name, address and contact details.

Once you are done filling in these details, simply submit your quote and wait for a response.

Want to compare car loans?

More guides on Finder

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 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site