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

Bank Australia
6.45%
6.66%
$310.86

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Car loan

Our car loan offers a competitive interest rate and we even offset your car's carbon emissions for the life of the loan for new or used vehicle purchases up to seven years of age. The $150 establishment fee is waived for vehicles that meet an ANCAP rating of 5 star and/or a greenhouse rating of 7+.

Overview

Minimum loan amount$1,000

Maximum loan amount$150,000

Minimum term6 months

Maximum term7 years

Advertised rate6.45%

Comparison rate7.46%

Monthly repayments (approx)$310

Total repayments (approx)$11,190

Total interest repayments (approx)$1,190

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$0.0

Quarterly 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

Telephone132 888

Data accurate as of13.09.2017

Comparison warning Comparison Rate. The Comparison Rate is based on a secured loan of $30,000 for 5 years. Fees and charges may be applicable. 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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New Car Loan < 2 years

Our new car loan offers fast approval and a great rate that offers the ability to get into your new car sooner.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.45%

Comparison rate6.45%

Monthly repayments (approx)$306

Total repayments (approx)$11,025

Total interest repayments (approx)$1,025

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quarterly 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 13 14 20

Data accurate as of02.04.2017

Comparison warning Comparison rates are calculated on a loan amount of $30,000 over 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.

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Car Loans < 2 years

Whether you’re looking for your first car, a family car, a new car or a used one, we can help. Turn to QT Mutual Bank’s 3 Point Car Package to find, finance and insure the perfect car for you.

Overview

Minimum loan amount$3,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term7 years

Advertised rate6.17%

Comparison rate8.79%

Monthly repayments (approx)$317

Total repayments (approx)$11,413

Total interest repayments (approx)$1,413

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$395

Other Fees & Information

Monthly fee$0.0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$200

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 29 30

Data accurate as of02.04.2017

Comparison warning Full terms, conditions, fees and charges for the products are available from us. Comparison rates calculated on a secured loan amount of $30,000 over five years based on monthly repayments. WARNING: These comparison rates are 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. Terms and conditions, fees and charges apply.

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$10K+ < 2 years Secured Variable

We offer competitive loans for new and used motor vehicle purchases. If the car you are buying is less than three years old, you benefit from an even lower interest rate.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.49%

Comparison rate7.83%

Monthly repayments (approx)$312

Total repayments (approx)$11,252

Total interest repayments (approx)$1,252

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$200

Other Fees & Information

Monthly fee$0.0

Quarterly 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

SponsoredNo

Telephone1300 36 1066

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a loan of $30,000 and 5 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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New Car Loan Special

Enjoy your adventures with a new car loan special, rcomparison rates from 6.82%, redraw facility and fast approval times.

Overview

Minimum loan amount$4,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term5 years

Advertised rate5.90%

Comparison rate7.62%

Monthly repayments (approx)$311

Total repayments (approx)$11,217

Total interest repayments (approx)$1,217

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$250

Other Fees & Information

Monthly fee$8.0

Quarterly 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 228 228

Data accurate as of13.09.2017

Comparison warning Comparison rate based on secured loan of $30,000 over 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.

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Secured Personal Loan

Our Secured Personal Loans offer you competitive interest rates.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate6.49%

Comparison rate7.50%

Monthly repayments (approx)$311

Total repayments (approx)$11,197

Total interest repayments (approx)$1,197

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$0.0

Quarterly 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 360 744

Data accurate as of02.04.2017

Comparison warning 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. The comparison rate is based on a $30,000 loan repayable over 5 years.

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Secured Fixed Car Loan

For new and used vehicles up to 7 years old you can enjoy the freedom of a new car with comparison rates from a low 6.92% per annum

Overview

Minimum loan amount$5,000

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

Quarterly 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

SponsoredNo

Telephone133 282

Data accurate as of13.09.2017

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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New Car Loan

For a limited time First Option has a special offer. Enjoy a low fixed rate for 5 years and we'll even waive the normal application fee.

Overview

Minimum loan amount$2,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term5 years

Advertised rate6.99%

Comparison rate6.99%

Monthly repayments (approx)$308

Total repayments (approx)$11,114

Total interest repayments (approx)$1,114

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quarterly 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 855 675

Data accurate as of02.04.2017

Comparison warning Comparison rates are calculated on a loan amount of $30,000 over 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.

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Used Car Loan

For a limited time First Option has a special offer. Enjoy a low fixed rate for 5 years and we'll even waive the normal application fee.

Overview

Minimum loan amount$2,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term5 years

Advertised rate6.99%

Comparison rate6.99%

Monthly repayments (approx)$308

Total repayments (approx)$11,114

Total interest repayments (approx)$1,114

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quarterly 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 855 675

Data accurate as of02.04.2017

Comparison warning Comparison rates are calculated on a loan amount of $30,000 over 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.

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Smart Personal Loan (0-5 year)

Northern Inland's Smart Personal Loan was awarded by Canstar for 'outstanding value' for 2017. Being secured by vehicle less than five years old or a term deposit, it is our lowest personal loan rate.

Overview

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate6.79%

Comparison rate8.13%

Monthly repayments (approx)$313

Total repayments (approx)$11,302

Total interest repayments (approx)$1,302

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$200

Other Fees & Information

Monthly fee$0.0

Quarterly 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 65 65 81

Data accurate as of02.04.2017

Comparison warning This rate applies to loans with 5 year terms for $30,000. 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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Car Loans Protected

With the option of pre-approval, no early repayment fee, and flexible repayment options, this loan will put you behind the wheel of your new car sooner!

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate6.49%

Comparison rate7.70%

Monthly repayments (approx)$311

Total repayments (approx)$11,230

Total interest repayments (approx)$1,230

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$175

Other Fees & Information

Monthly fee$5.0

Quarterly 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 802 222

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a secured loan of $30,000 over 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.

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Fixed secured car loan

Buy the type of car or vehicle you want with interest rates from 6.99% p.a. (comparison rate 7.12% p.a.)

Overview

Minimum loan amount$10,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate6.99%

Comparison rate7.60%

Monthly repayments (approx)$311

Total repayments (approx)$11,214

Total interest repayments (approx)$1,214

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$90

Other Fees & Information

Monthly fee$0.0

Quarterly 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 100 266

Data accurate as of13.03.2017

Comparison 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. Comparison rate has been calculated for a secured new or used car loan for an amount of $30,000 over a term of 5 years. All BankVic car loans are secured by a goods security agreement.

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Secured Car Loan < 5 years

Buying a car is stressful enough, our car loans offer no monthly fees, no penalty of early repayments and free online redraw.

Overview

Minimum loan amount$2,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate6.95%

Comparison rate7.79%

Monthly repayments (approx)$312

Total repayments (approx)$11,246

Total interest repayments (approx)$1,246

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$125

Other Fees & Information

Monthly fee$0.0

Quarterly 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 004 863

Data accurate as of02.04.2017

Comparison warning Comparison rates based on secured loan of $30,000 over 5 years with monthly repayments. WARNING: The comparison rates are 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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Smart Start Car Loan

Dreaming of your first car? First Option can help you get into your first car sooner with a discounted car loan for members aged 18 – 24 years.

Overview

Minimum loan amount$2,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term5 years

Advertised rate2.99%

Comparison rate2.99%

Monthly repayments (approx)$290

Total repayments (approx)$10,467

Total interest repayments (approx)$467

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

Other Fees & Information

Monthly fee$0.0

Quarterly 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 855 675

Data accurate as of02.04.2017

Comparison warning Comparison rates are calculated on a loan amount of $30,000 over 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.

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New car Loan (up to 2 years old)

Purchase of a motor vehicle. QBANK will also consider refinancing an existing debt where that debt was for the purpose of purchasing a vehicle which is used to secure the loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.99%

Comparison rate8.00%

Monthly repayments (approx)$313

Total repayments (approx)$11,280

Total interest repayments (approx)$1,280

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$150

Other Fees & Information

Monthly fee$0.0

Quarterly 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

Telephone13 77 28

Data accurate as of17.09.2017

Comparison warning The comparison rate displayed is calculated based on a loan amount of $30,000 over a 5 year term. WARNING: This comparison rate applies only to the example above. 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. The comparison rate displayed is calculated based on a loan amount of $25,000 over a 5 year term. Terms and conditions are available on request. Fees and charges are payable. Normal lending criteria applies.

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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 car loans based on features such as early repayment fees, repayment schedules and up-front fees.

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 else should you consider when you compare car loans?

  • 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.