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Loans.com.au Car Loans

Loans.com.au is a lender with a name that says it all. Need to finance your car? You got it! Head down below to compare loans.com.au car loans and calculate repayments. If everything checks out, you can start applying in the comfort of right where you are.

Calculate repayments

Get a 0.7% discount on your car loan interest rate if you buy a qualifying green car.

Overview

Application / establishment fees$400

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term3 years

Maximum term5 years

Car loan interest rates (base)4.74%

Car loan comparison rate5.29%

Monthly repayments (approx)$562

Total repayments (approx)$33,754

Total interest repayments (approx)$3,754

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 10 90

Data accurate as of28.05.2017

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Find and secure your car loan with low fixed rates from loans.com.au. We can help you with a loan for a car bought privately, through a dealership or an auction. Balloon options – reduce monthly repayments

Overview

Application / establishment fees$400

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term3 years

Maximum term5 years

Car loan interest rates (base)5.44%

Car loan comparison rate5.99%

Monthly repayments (approx)$572

Total repayments (approx)$34,332

Total interest repayments (approx)$4,332

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 10 90

Data accurate as of17.09.2017

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Find and secure your car loan with low fixed rates from loans.com.au. We can help you with a loan for a car bought privately, through a dealership or an auction. Balloon options – reduce monthly repayments

Overview

Application / establishment fees$400

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term3 years

Maximum term5 years

Car loan interest rates (base)5.44%

Car loan comparison rate5.99%

Monthly repayments (approx)$572

Total repayments (approx)$34,332

Total interest repayments (approx)$4,332

Rate typeFixed

Secured or unsecuredSecured

GO TO Loans.com.au

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 10 90

Data accurate as of28.05.2017

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $15,000-$100,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan.

Overview

Application / establishment fees$0

Minimum loan amount$15,000

Maximum loan amount$100,000

Minimum term1.5 years

Maximum term7 Years

Car loan interest rates (base)4.45%

Car loan comparison rate4.45%

Monthly repayments (approx)$558

Total repayments (approx)$33,516

Total interest repayments (approx)$3,516

Rate typeFixed

Secured or unsecuredYes

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Exit / early repayment feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 275 669

Data accurate as of21/02/2021

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There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)4.99%

Car loan comparison rate5.69%

Monthly repayments (approx)$566

Total repayments (approx)$33,960

Total interest repayments (approx)$3,960

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

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A quick and easy, 100% online application. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.

Overview

Application / establishment fees$250

Minimum loan amount$2,001

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)5.35%

Car loan comparison rate5.65%

Monthly repayments (approx)$570

Total repayments (approx)$34,257

Total interest repayments (approx)$4,257

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$27

For used vehiclesYes

SponsoredYes

Telephone1300 990 115

Data accurate as of30/04/2021

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NRMA used car loans can help you get one step closer to owning your dream pre-loved car.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)6.24%

Car loan comparison rate6.94%

Monthly repayments (approx)$583

Total repayments (approx)$35,000

Total interest repayments (approx)$5,000

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

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?

Loans.com.au car loans – Get the car you want easier & sooner

Despite being an online-only lender, loans.com.au goes to great lengths to keep things personal with customers. If you’re interested in applying for a loans.com.au car loan, you’ll be pleased to know there are dedicated Car Loans Specialists available to speak with you.

Keep reading to find out other good points that make this lender a great option for you.

Loans.com.au car loans: Overview

  • Loan amounts. $5,000 and $100,000
  • Repayment periods. 3, 4, or 5 years
  • Interest rate type. Fixed.
  • Pros. Very competitive rates, easy online application, fast approval, fewer fees, as well as flexible repayment options.
  • Cons. No branch network or redraw facility.
  • Best for. Any qualifying person looking for low-rate car finance with smaller repayments made possible by a balloon payment.

Types of loans offered by loans.com.au

Car loans from loans.com.au can be classified according to the following loan terms:

  • 3-year term. This option comes with a maximum 50% balloon payment. A balloon payment is a larger payment scheduled for when the term ends, and which allows you to have smaller, more affordable repayments. Once the term is over, you can choose to trade in your vehicle and use the funds to cover the balloon payment.
  • 4-year term. The maximum balloon payment is 40%.
  • 5-year term. You get a maximum balloon payment of 30%.

In addition, you can also get a rate discount if you purchase a qualifying green car. A green vehicle generally has lower carbon dioxide emissions than a similar-sized car. Most green cars are new or demonstration vehicles, fuel-efficient, and hybrid vehicles, such as some Mazda 2 and Ford Fiesta models.

Common features of car loans from loans.com.au

  • Balloon payment. Reduce your regular repayments by signing up for a lump sum payment at the end of the term. This balloon payment can be up to 50% of the vehicle’s price.
  • Secured car finance. Your car will act as security for the debt, so you get a lower rate.
  • Additional repayments. If you get extra money along the way, loans.com.au allows you to make additional repayments.
  • Early payout. It’s possible to close your account early and pay less interest overall.
  • Flexible repayment options. You can also make weekly, fortnightly, or monthly repayments. Besides a tailored repayment frequency, you can tailor the repayment amount by using our loans.com.au car loan calculator.
  • Fees and charges. There’s a $400 establishment fee but no ongoing fees or early termination fees.

How to qualify

  • Be at least 18 years of age.
  • Be an Australian permanent resident.
  • Earn a regular income.
  • Have a good credit score.
  • Provide details about your Australian driver’s licence, income, assets, expenses, and liabilities.

Applying for loans.com.au car loans online

You have three options to choose from when applying:

  • Buying a new car
  • Buying a used car from a dealer
  • Refinancing

The online application process is easy to complete and also quicker if you apply via BestFind. Simply click the “Go to Site” button in the table above once you’re ready to get started. When you have submitted the form and logged in to upload your documents, loans.com.au will ask you to book an appointment with a Lending Specialist. From there, the following steps remain:

  • Send the purchase paperwork
  • Get the contract – approval generally happens within 24 hours.
  • Sign contract electronically before returning
  • Settlement and payment to the dealer
  • Collect your car
  • Access your account online and then start making repayments

About loans.com.au

Loans.com.au describes itself as an innovative Australian online lender that has been around since 2011. It doesn’t have a branch network, though it does have a call centre based in Brisbane. Loans.com.au is financially backed by FirstMac, a leading non-bank financial institution.

It’s also regulated by the Australian government, covered by the NCCP, and enforced by ASIC.