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Bendigo Bank Car Loans

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


Application / establishment fees$150

Minimum loan amount$2,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)7.79%

Car loan comparison rate8.64%

Monthly repayments (approx)$605

Total repayments (approx)$36,316

Total interest repayments (approx)$6,316

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$5.0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$20

Encumberance/REVVS check fee$50

For used vehiclesYes


Telephone1300 236 344

Data accurate as of13.03.2017

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 5 years. 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of car loan are you looking for?

Compare 100s of car loans

Did you know you can compare 100s of car loans? Review, calculate interest rate repayments, apply online and save by visiting our main car loans comparison page.

Compare and review Bendigo Bank car loans

Looking to finance a new or used car, van, truck or motorcycle? When comparing Bendigo Bank car loans, there are other key facts to consider and understand, other than just Bendigo Bank’s interest rates.

What car loan options are available?

Bendigo Bank has 1 car loan product:

  • Bendigo Bank Secured Personal loan

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Bendigo Bank personal loans and Bendigo Bank home loans

Do you have a Bendigo Bank car loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

For a more accurate quote, contact Bendigo Bank directly.

How to apply for a Bendigo Bank car loan?

If you’d like to apply online for a Bendigo Bank car loan, just scroll up and click on “Learn more” to be taken to Bendigo Bank’s secure online application form. Before you apply, be sure to learn about Bendigo Bank’s loan products, fees and eligibility criteria. Give yourself around 30 minutes to complete the car loan application.

Bendigo Bank’s car loan eligibility criteria

Before you apply for a car loan, be sure to understand and meet the Bendigo Bank’s lending criteria. Below is high-level overview of Bendigo Bank’s criteria:

Bendigo Bank’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • You’re buying a car or motorcycle for personal use
  • Minimum loan amount of $2,000 or more
  • You’re a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the Bendigo Bank branch or online, make sure to have the following details and documents nearby:

  • A current Australian driver’s license (if you have one)
  • Your current employer’s name, contact name and phone number
  • Previous employer, if you’ve changed jobs in the last three years
  • Income, expenses, assets and liabilities (such as other loans or credit cards)

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying

  • Approval time takes between 1 to 3 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Bendigo Bank car loan

There are many additional factors Bendigo Bank consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a Bendigo Bank car loan for?

Examples of common loan purposes Bendigo Bank will lend for:

Additional Bendigo Bank car loan information

Bendigo Bank’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $2,000 and $80,000, over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

Bendigo Bank allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Bendigo Bank allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early. View their terms and conditions to learn more about early termination.


Bendigo Bank’s Secured Personal Loan requires an asset (typically, the vehicle) as security.

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