Car Loans Australia from 5.49% p.a.
Car Loan Calculator
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Every Type of Car Loan, One Place
Whether you are buying new, used, electric, or refinancing, we compare 50+ lenders to get you the best rate for your situation.
New Car Loans
Finance your brand new vehicle with the lowest rates on the market. Dealer vs broker comparison included.
- Rates from 5.49% p.a.
- Up to 7-year terms
- Green car incentives
Used Car Loans
Competitive rates for quality pre-owned vehicles. Finance cars up to 15 years old with select lenders.
- Cars up to 15 years old
- Secured options
- Private & dealer
Bad Credit Car Loans
Specialist lenders who work with impaired credit histories. Get behind the wheel even with defaults or bankruptcy.
- Defaults considered
- Bankruptcy OK
- No judgement
Secured Car Loans
Use your vehicle as security and access the lowest interest rates available from our lender panel.
- Lowest rates
- Vehicle as security
- Fixed & variable
Unsecured Car Loans
No asset at risk with an unsecured personal loan for your car purchase. Ideal for older vehicles.
- No security needed
- Older cars OK
- Flexible use
Electric Vehicle Loans
Discounted green finance rates for EVs and plug-in hybrids. Take advantage of FBT exemptions and state incentives.
- Green discount rates
- FBT exempt
- State incentives
No Deposit Car Loans
100% finance with no upfront deposit required. Drive away today with nothing down for qualifying borrowers.
- 100% financing
- No savings needed
- Quick approval
Low Doc Car Loans
Self-employed or ABN holders with limited paperwork? Low-doc options with streamlined verification.
- ABN holders
- Self-employed
- Minimal paperwork
Private Sale Car Loans
Finance a vehicle purchased privately through Gumtree, Facebook Marketplace, or directly from a seller.
- Private purchases
- Valuation support
- PPSR checks
Chattel Mortgage
Business vehicle finance with tax-deductible interest and depreciation. Claim GST on the purchase price.
- Tax deductible
- Claim GST
- Business use
Novated Lease
Salary package your next car through your employer. Save on GST, income tax, and running costs.
- Salary packaging
- FBT savings
- Running costs included
Refinance Car Loan
Switch your existing car loan to a lower rate and reduce your monthly repayments. Free refinance assessment.
- Lower your rate
- Reduce repayments
- Free assessment
Business Car Loans
Fleet finance, ABN holder car loans, and commercial vehicle funding for Australian businesses.
- Fleet discounts
- ABN holders
- Tax benefits
Ute Finance
Finance your work ute or dual cab. Tradie-friendly options with fast approval for ABN holders.
- Dual cab & single
- Tradie specials
- Business use
Truck Loans
Light and heavy commercial truck finance. Rigid bodies, prime movers, and everything in between.
- Light commercial
- Heavy vehicles
- Flexible terms
Motorcycle Loans
Finance your next motorcycle, scooter, or e-bike. Competitive rates for all types of two-wheeled transport.
- All bike types
- New & used
- Competitive rates
Caravan Loans
Hit the road with caravan and motorhome finance. Touring caravans, pop-tops, fifth-wheelers, and camper trailers.
- All caravan types
- Motorhomes
- Up to 15 years
Boat Loans
Marine finance for runabouts, cruisers, fishing boats, jet skis, and sailing vessels across Australia.
- All vessel types
- Jet skis
- Marine specialists
Browse by Vehicle Type
Find the right finance for the vehicle you want to buy.
Car Finance Made Simple
Dealer finance markups can cost you thousands over the life of a loan. Our brokers access wholesale rates from 50+ lenders and pass the savings directly to you. There is no cost to use our service — the lender pays our commission.
Same-Day Approval
Get pre-approved in minutes and a formal approval within the same business day for most applications.
50+ Lender Panel
We compare rates from over 50 banks, credit unions, and specialist lenders to find your best deal.
Rates from 5.49% p.a.
Access wholesale broker rates that are often lower than what you would find walking into a bank or dealer.
Free Expert Service
Our brokers are paid by the lender, not you. Professional guidance at absolutely no cost to you.
Get Your Best Car Loan Rate
- Rates from 5.49% p.a. (comparison 6.12% p.a.*)
- $5,000 to $150,000+ available
- New, used, and refinance options
- Same-day approval for most applications
- 100% free service — we are paid by the lender
Trusted by Thousands of Australians
Real customers, real savings. See why Australians choose us for car finance.
Saved me over $3,000 compared to the dealer finance offer. The whole process was smooth and I had approval within hours.
Had a default on my credit file and thought I was stuck. These guys found me a lender at a reasonable rate. Driving my new car now!
Refinanced my existing loan and dropped my rate by 2%. Monthly payments went from $680 to $560. Wish I had done it sooner.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Car Loan FAQs
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Ready to Get Your Best Car Loan Rate?
Get a free, no-obligation quote in minutes. Compare 50+ lenders and save thousands.