Compare Car Loans | Cheap Car Loans Comparison - BestFind.com.au

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Car loan amount

Term of car loan

Features

Type of vehicle loan

Car finance provider

Car Loans

Australian Military Bank
5.71%
6.57%
$307.75

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Car loan

Our Car and Personal Loans offer you tailored rates based on your credit history. We offer a range of benefits and features like the ability to make extra repayments or pay off your loan early without penalty and the option to make loan repayments straight from your salary.

Overview

Minimum loan amount$1,000

Maximum loan amount$80,000

Minimum term0 years

Maximum term7 years

Advertised rate5.71%

Comparison rate6.78%

Monthly repayments (approx)$307

Total repayments (approx)$11,079

Total interest repayments (approx)$1,079

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$10.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$30

For used vehiclesYes

SponsoredYes

Telephone1300 13 23 28

Data accurate as of13.03.2017

Comparison warning Comparison rate based on a $30,000 loan over 5 years. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or costs and savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. A monthly repayment frequency and a term of 5 years have been used to calculate our comparison rate.

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CUA Fixed Rate Car Loan

Whether it's the first road trip in your new ride or the new car smell that will put a smile on your face, you can enjoy the freedom of a new car.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.79%

Comparison rate6.79%

Monthly repayments (approx)$307

Total repayments (approx)$11,081

Total interest repayments (approx)$1,081

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$90

For used vehiclesNo

SponsoredYes

Telephone133 282

Data accurate as of02.04.2017

Comparison warning Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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ANZ Secured Car Loan

Special online only rate: 6.99% p.a. online fixed rate for an ANZ Secured Car Loan (7.84% p.a. comparison rate)

Overview

Minimum loan amount$7,500

Maximum loan amountNo maximum

Minimum term0 years

Maximum term5 years

Advertised rate6.99%

Comparison rate9.36%

Monthly repayments (approx)$319

Total repayments (approx)$11,508

Total interest repayments (approx)$1,508

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$350

Other Fees & Information

Monthly fee$5.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$20

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$50+

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 365 652

Data accurate as of13.03.2017

Comparison warning This comparison rate is for an ANZ Secured Car Loan with an amount financed of $30,000 and a term of 5 years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Low Rate Car Loan

With a super-low interest rate, minimal fees and flexible repayment options, our Low Rate Car Loan makes it easier to purchase your new car.

Overview

Minimum loan amount$5,000

Maximum loan amountNo maximum

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate9.21%

Monthly repayments (approx)$318

Total repayments (approx)$11,482

Total interest repayments (approx)$1,482

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$175

Other Fees & Information

Monthly fee$5.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$25

For used vehiclesYes

SponsoredYes

Telephone1300 236 344

Data accurate as of02.04.2017

Comparison warning The comparison rates are calculated for a secured loan of $30,000 with monthly repayments over a term of five years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Secured Personal Loan

Perfect for buying a new or used vehicle, or to refinance an existing car loan.

Overview

Minimum loan amount$2,000

Maximum loan amountNo maximum

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate9.04%

Monthly repayments (approx)$318

Total repayments (approx)$11,454

Total interest repayments (approx)$1,454

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$5.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Encumberance/REVVS check fee$50

For used vehiclesYes

SponsoredYes

Telephone1300 236 344

Data accurate as of13.03.2017

Comparison warning The comparison rates displayed are calculated for secured personal loans with a loan amount of $30,000 and a term of 5 years, for unsecured personal loans the loan amount is $10,000 with a term of 3 years. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Secured Car Loan

Unlock the value of your car for a reduced interest rate.

Overview

Minimum loan amount$10,000

Maximum loan amountNo maximum

Minimum term1 year

Maximum term7 years

Advertised rate8.49%

Comparison rate10.25%

Monthly repayments (approx)$323

Total repayments (approx)$11,658

Total interest repayments (approx)$1,658

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$250

Other Fees & Information

Monthly fee$10.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone13 14 31

Data accurate as of02.04.2017

Comparison warning This comparison rate based on a $30,000 secured loan over five years. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Used car loan

Our Car and Personal Loans offer you tailored rates based on your credit history. We offer a range of benefits and features like the ability to make extra repayments or pay off your loan early without penalty and the option to make loan repayments straight from your salary.

Overview

Minimum loan amount$1,000

Maximum loan amount$80,000

Minimum term0 years

Maximum term7 years

Advertised rate8.66%

Comparison rate9.75%

Monthly repayments (approx)$321

Total repayments (approx)$11,573

Total interest repayments (approx)$1,573

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$10.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$30

For used vehiclesNo

SponsoredYes

Telephone1300 13 23 28

Data accurate as of13.03.2017

Comparison warning Comparison rate based on a $30,000 loan over 5 years. WARNING: This comparison rate applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or costs and savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. A monthly repayment frequency and a term of 5 years have been used to calculate our comparison rate.

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Fixed Rate Personal Loan

We have dropped the rate on our 5 and 6 year loan terms.

Overview

Minimum loan amount$4,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate12.99%

Comparison rate14.10%

Monthly repayments (approx)$342

Total repayments (approx)$12,322

Total interest repayments (approx)$2,322

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Application / establishment fees$150

Other Fees & Information

Monthly fee$10.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone13 14 31

Data accurate as of02.04.2017

Comparison warning Comparison based on an unsecured $30,000 loan over 5 years. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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My New Car Loan

Our Fixed Rate New Car Loan allows you to lock in your interest rate for the term of your loan, so you'll have confidence knowing exactly how much you need to repay each month.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate5.49%

Comparison rate6.49%

Monthly repayments (approx)$306

Total repayments (approx)$11,031

Total interest repayments (approx)$1,031

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 655 116

Data accurate as of02.04.2017

Comparison warning Comparison rate based on a $30,000 secured loan for a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

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New car loan

When you credit your whole salary to your Victoria Teachers Mutual Bank account you’ll receive a great discounted rate across our entire Car Loan range.

Overview

Minimum loan amount$10,000

Maximum loan amountNo maximum

Minimum term1 year

Maximum term7 years

Advertised rate5.79%

Comparison rate6.39%

Monthly repayments (approx)$306

Total repayments (approx)$11,016

Total interest repayments (approx)$1,016

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$90

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 654 822

Data accurate as of02.04.2017

Comparison warning Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions available upon request.

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No Fee Car Loan

With absolutely no upfront, ongoing or early repayment fees, our No Fee Car Loan makes it’s easier to get on the road.

Overview

Minimum loan amount$10,000

Maximum loan amountNo maximum

Minimum term1 year

Maximum term7 years

Advertised rate8.89%

Comparison rate8.89%

Monthly repayments (approx)$317

Total repayments (approx)$11,429

Total interest repayments (approx)$1,429

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 236 344

Data accurate as of13.03.2017

Comparison warning The comparison rates are calculated for a secured loan of $30,000 with monthly repayments over a term of five years. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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New car loan

Our New Car Loan is a great secured variable rate loan available for brand new cars or brand new registrable motorbikes.

Overview

Minimum loan amount$10,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term7 years

Advertised rate5.34%

Comparison rate5.37%

Monthly repayments (approx)$301

Total repayments (approx)$10,850

Total interest repayments (approx)$850

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$5.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 13 22 77

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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New car loan

Our New Car Loan is a great secured variable rate loan available for brand new cars or brand new registrable motorbikes.

Overview

Minimum loan amount$10,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term7 years

Advertised rate5.34%

Comparison rate6.37%

Monthly repayments (approx)$305

Total repayments (approx)$11,012

Total interest repayments (approx)$1,012

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$5.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 13 19 64

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan

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New Car Loan

With no ongoing fees, fast loan turnaround and pre-approval available, you’ll be cruising along an open stretch of road in no time.

Overview

Minimum loan amount$10,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate5.99%

Comparison rate7.42%

Monthly repayments (approx)$310

Total repayments (approx)$11,185

Total interest repayments (approx)$1,185

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$215

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 622 278

Data accurate as of02.04.2017

Comparison warning This comparison rate is based on a secured loan of $30,000 loan over 5 years. 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 may result in a different comparison rate.

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New Car Loan

With great rates and no penalty for early payout, the IMB New Car Loan could have you cruising in the car of your dreams sooner than you thought.

Overview

Minimum loan amount$2,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Advertised rate5.99%

Comparison rate6.66%

Monthly repayments (approx)$307

Total repayments (approx)$11,059

Total interest repayments (approx)$1,059

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$100

Other Fees & Information

Monthly fee$0.0

Quaterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 28 69 39

Data accurate as of02.04.2017

Comparison warning Comparison rate is based on a $30,000 secured loan over 5 years. WARNING: This comparison rate applies only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in different comparison rates. Normal IMB lending criteria, terms and conditions, fees and charges apply.

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Tips for comparing car loan

Overview

A car loan is a specific type of personal loan used for the purpose of purchasing a vehicle, such as a car, van, truck, motorcycle, or other motorized vehicles. A car loan is typically used when the borrower can not afford to purchase the vehicle with cash, but can afford to pay off a loan in monthly instalments.

Types of car loans

A new car loan is for buying brand new cars (lenders will offer new car loans cars for up to five years) where the interest rate is likely to be lower. A new car loan will typically use the car as an asset to secure the loan.

A Used-car loan is available for cars Usually That are a five year old. A used car loan is usually a secured loan, like a new car loan, with the car as the asset.

Of An UNSECURED-car loan is available for Usually OldEr-car, That Banks do not see of value in securing. Unsecured loan interest rates are typically higher than secured car loans.

Pros of a car loan:

  • Car loan payment terms can be up to 10 years
  • Borrowers can borrow an unlimited amount with most financial institutions
  • The debt is fixed so every payment made toward the loan will lower the premium and borrowers can not add more debt
  • The average interest rate for a car loan is lower than its immediate competitors, personal loans or credit cards
  • A fixed interest rate loan makes it easy for the borrower to make and stick to a budget

Cons of a car loan:

  • Some financial institutions will place restrictions upon the makes and models of vehicles it will accept for a car loan
  • Borrowers can not increase the amount of debt to cover operating or maintenance costs
  • The car can be repossessed (in the case of a secured loan) or the borrower taken to court (in the case of an unsecured loan) if the payments are not continued

Who can apply for a loan?

Most permanent residents of Australia are eligible to apply for a car loan if they are 18 years or older and can verify their income. While many financial institutions will turn down the loan application of a prospective buyer with poor credit, there are some institutions willing to lend to someone with a poor credit history if the loan is secured against the value of the car.

What types other of car loans are available?

In addition to the secured new and used car loans and the unsecured car loan discussed above, you could compare other types of car loans that work depending upon your specific situation.

A -car hire Quick Search purchase is another option for the self-employed Have Prospective Borrowers. Each payment made toward a car hire purchase reduces the purchase price of the car.

A car lease is yet another option for the self-employed that borrower wishes to have a vehicle for business use. In this case, the financial institution purchases the car and the borrower makes payments on it for an agreed-upon term in exchange for the use of the car.

A Novated lease is the when an employer Makes an arrangement to a pay to a lease out of the the borrower’s the before-tax salary. At the end of the lease period, the borrower will have the option of purchasing the car or upgrading to a new model. This is a great option to reduce your taxable income at the end of the year.

What should you consider when comparing a car loan?

  • The interest rate. Ensure that the interest rate you are offered is competitive for your financial history and the vehicle that you are purchasing.
  • The loan term length. The shorter the loan, the less it will cost you in interest.
  • Balloon payment. Some loans will require a larger sum payment at the end of the loan term. This is especially common with dealership lenders.
  • Repayment frequency. Check to see how often you will need to make a payment and if you will be penalized for paying off the loan early.
  • Fees or additional costs. Sometimes a loan with a higher interest rate with fewer hidden fees is more economical in the long run. Monthly account fees and establishment fees are common with car loans.
  • It is likely your lender will insist upon valid car insurance during the life of the loan as additional protection for the car as the security of the loan.

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