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

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Term of car loan

Features

Type of vehicle loan

Car finance provider

Car Loans

New Car Loan

Save money – take out our Car Loan and bundle with CGU Car Insurance to receive a 10% discount off your premium.

Overview

Minimum loan amount$3,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Advertised rate7.04%

Comparison rate8.04%

Monthly repayments (approx)$313

Total repayments (approx)$11,288

Total interest repayments (approx)$1,288

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$149

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 302 474

Data accurate as of13.09.2017

Comparison warning Comparison Rates are based on a loan amount of $30,000 over 5 years for secured loans. 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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Qudos Bank
7.09%
7.30%
$313.82

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Car Loan

Searching for a new car, caravan, boat or motorcycle? If your new purchase is less than 5 years old, this could be the loan for you. Take the road to freedom with our low interest car loan.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate7.09%

Comparison rate8.10%

Monthly repayments (approx)$313

Total repayments (approx)$11,297

Total interest repayments (approx)$1,297

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

Telephone1300 747 747

Data accurate as of02.04.2017

Comparison warning Comparison based on a secured loan of $30,000 with a term of 5 years WARNING: Comparison rates apply to the example or the 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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Fixed Car Loan

Whether you’re looking for a brand new or used car, or an environmentally friendly vehicle – a Police Bank Car Loan fits the bill.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term5 years

Advertised rate7.19%

Comparison rate7.90%

Monthly repayments (approx)$312

Total repayments (approx)$11,264

Total interest repayments (approx)$1,264

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$98

Other Fees & Information

Monthly fee$7.0

Quarterly 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 vehiclesYes

SponsoredNo

Telephone131 728

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a loan of $30,000 over a 5 year term. 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

Our flexible Used Car Loan, for used cars older than current & prior calendar year models, is straightforward with no hidden costs.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate6.79%

Comparison rate7.39%

Monthly repayments (approx)$310

Total repayments (approx)$11,180

Total interest repayments (approx)$1,180

Rate typeVariable

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 654 822

Data accurate as of02.04.2017

Comparison warning Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 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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Special Used Car loan

If you're looking to buy a car, Horizon can get you behind the wheel even sooner with a quick and easy car loan!

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term10 years

Advertised rate7.29%

Comparison rate8.30%

Monthly repayments (approx)$314

Total repayments (approx)$11,331

Total interest repayments (approx)$1,331

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 vehiclesNo

SponsoredNo

Telephone1300 366 565

Data accurate as of02.04.2017

Comparison warning The comparison rate is calculated on a loan amount of $30,000 over 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 or other loan amounts might result in a different comparison rate.

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New Car Loans

Rates from 6.99%*p.a Comparison Rate 7.52%^p.a

Overview

Minimum loan amount$10,000

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 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 scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 361 316

Data accurate as of02.04.2017

Comparison warning Comparison rate calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. Warning this comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as a redraw 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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Your Low Rate Car Loan

Multi-award winning car loan

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.59%

Comparison rate7.60%

Monthly repayments (approx)$311

Total repayments (approx)$11,214

Total interest repayments (approx)$1,214

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$50

For used vehiclesYes

SponsoredNo

Telephone1800 033 139

Data accurate as of02.04.2017

Comparison warning Comparison rate is based on a $30,000 secured loan over a 5 year term. 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. Fees and Charges are payable. Terms and Conditions available on request.

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Used Car loan

With competitive interest rates, an Auswide Bank Car Loan can help to turn your dream into a reality!

Overview

Minimum loan amount$5,000

Maximum loan amount$75,000

Minimum term0 years

Maximum term7 years

Advertised rate6.99%

Comparison rate8.20%

Monthly repayments (approx)$314

Total repayments (approx)$11,314

Total interest repayments (approx)$1,314

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 scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 138 831

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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Secured Fixed Car Loan

We offer you a low interest rate in return for using your car as security for the loan. Plus, plan your budget with fixed repayment amounts and enjoy the flexibility to make extra payments when you choose.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate6.99%

Comparison rate8.20%

Monthly repayments (approx)$314

Total repayments (approx)$11,314

Total interest repayments (approx)$1,314

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$20

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$300

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 11 75

Data accurate as of02.04.2017

Comparison warning The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Comparison rate is based on a $30,000 loan over 5 years.

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Used Car Loan (Secured)

Enjoy the perks of a secured new car loan, flexible repayment term, no monthly account keeping fee and pay out loan early without penalty

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate7.49%

Comparison rate8.84%

Monthly repayments (approx)$317

Total repayments (approx)$11,420

Total interest repayments (approx)$1,420

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$0

For used vehiclesNo

SponsoredNo

Telephone1300 864 266

Data accurate as of02.04.2017

Comparison warning Comparison rate is calculated on a secured loan amount of $30,000 over a term of 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. Eligibility criteria, terms & conditions, fees & charges apply.

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Used Car Loan (Secured)

Our secured used car loan is available to any personal borrowers buying a motor vehicle that’s no more than five years old (as at the date of application), and who meet the Credit Union’s standard lending criteria.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate7.49%

Comparison rate8.84%

Monthly repayments (approx)$317

Total repayments (approx)$11,420

Total interest repayments (approx)$1,420

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 vehiclesNo

SponsoredNo

Telephone13 22 49

Data accurate as of02.04.2017

Comparison warning Comparison rate is calculated on a secured 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. Eligibility criteria, terms & conditions, fees & charges apply.

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Accelerator Car Loan

Get into your new wheels faster and easier- with a great interest rate and no hidden costs!

Overview

Minimum loan amount$10,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term5 years

Advertised rate7.49%

Comparison rate8.80%

Monthly repayments (approx)$317

Total repayments (approx)$11,414

Total interest repayments (approx)$1,414

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

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$26

For used vehiclesYes

SponsoredNo

Telephone132 067

Data accurate as of02.04.2017

Comparison warning This comparison rate is for a secured variable rate “Accelerator Car Loan” based on $25,000 over 5 years. It refers to the examples 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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Low Rate Car Loan

Get that new car feeling with our low rate car loan. You deserve it! Comparison rates from 7.91% p.a.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate6.99%

Comparison rate8.72%

Monthly repayments (approx)$316

Total repayments (approx)$11,400

Total interest repayments (approx)$1,400

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 vehiclesYes

SponsoredNo

Telephone1800 10 10 63

Data accurate as of13.09.2017

Comparison warning The comparison rate is calculated on a secured loan amount 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.

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Secured Personal Loan

Pay off your loan as quickly as possible with this very low variable interest rate personal loan, secured against your motor vehicle.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term2 years

Maximum term5 years

Advertised rate6.99%

Comparison rate8.39%

Monthly repayments (approx)$315

Total repayments (approx)$11,346

Total interest repayments (approx)$1,346

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$199

Other Fees & Information

Monthly fee$10.0

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

Telephone13 25 77

Data accurate as of02.04.2017

Comparison warning Comparison rate is calculated based on $30,000 over 5 years for secured and unsecured loans. WARNING: The 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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$30K+ 2-4 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 rate7.69%

Comparison rate9.04%

Monthly repayments (approx)$318

Total repayments (approx)$11,454

Total interest repayments (approx)$1,454

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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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.