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

Fixed Rate Car Loan

Then the Fixed Rate Car Loan is all you need to make it happen. With a a super low competitive fixed rate with flexible repayment options and quick approval process, your choice is made easy.

Overview

Minimum loan amount$10,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate7.95%

Comparison rate8.63%

Monthly repayments (approx)$316

Total repayments (approx)$11,385

Total interest repayments (approx)$1,385

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$100

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 61 91

Data accurate as of02.04.2017

Comparison warning Comparison rate based on a $30,000 loan over 5 years secured. 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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ANZ Secured Car Loan

Special online only rate: 7.30% p.a. online fixed rate for an ANZ Secured Car Loan (8.15% p.a. comparison rate)

Overview

Minimum loan amount$7,500

Maximum loan amount$500,000

Minimum term1 years

Maximum term7 years

Advertised rate7.30%

Comparison rate9.68%

Monthly repayments (approx)$321

Total repayments (approx)$11,561

Total interest repayments (approx)$1,561

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$350

Other Fees & Information

Monthly fee$5.0

Quarterly 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

SponsoredNo

Telephone1300 365 652

Data accurate as of13.09.2017

Comparison warning This comparison is for an ANZ Secured Car Loan with an amount financed of $30,000 and a 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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Go Car Loan

With a great low rate for cars up to 2 years old and no penalty on extra repayments you can say GO to a new car with ECU's Go Car Loan.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate7.95%

Comparison rate7.95%

Monthly repayments (approx)$313

Total repayments (approx)$11,272

Total interest repayments (approx)$1,272

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

Telephone1800 383 791

Data accurate as of02.04.2017

Comparison warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Fixed Motor Vehicle Secured

Fixed Rate Car Loans give you the certainty of knowing what your repayments will be over the course of your loan. Your repayment amount is determined at the start of the loan

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate7.39%

Comparison rate8.75%

Monthly repayments (approx)$316

Total repayments (approx)$11,406

Total interest repayments (approx)$1,406

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

Other Fees & Information

Monthly fee$7.5

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$50

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 55 72 72

Data accurate as of02.04.2017

Comparison warning Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years. These rates are for secured loans only. 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. Fees and charges are payable. Normal credit assessment criteria apply. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice. Fixed interest rates may vary between application and drawdown of the loan.

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Used Car Loan 2-5 years

If you are in the market for a used car between 2-5 years old, look no further then our Used Car Loan. It offers a very competitive interest rate with all the features of our new car loan.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate7.99%

Monthly repayments (approx)$313

Total repayments (approx)$11,279

Total interest repayments (approx)$1,279

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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Fixed rate car loan

The fixed rate personal loan is available when secured by a vehicle between 2 and 7 years of age.

Overview

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate9.31%

Monthly repayments (approx)$319

Total repayments (approx)$11,499

Total interest repayments (approx)$1,499

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$10

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check feeAt cost

For used vehiclesYes

SponsoredNo

Telephone08 8202 7777

Data accurate as of17.07.2017

Comparison warning Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 5 years. WARNING: These 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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Reward Car Loan

Want to own your new car sooner? This loan is perfect if you are looking to buy a new car or a car that is still under the manufacturers warranty. Interest rate discounts are available when you purchase certain Loan Protection Insurance products.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate7.95%

Comparison rate9.27%

Monthly repayments (approx)$319

Total repayments (approx)$11,492

Total interest repayments (approx)$1,492

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$0

For used vehiclesYes

SponsoredNo

Telephone1300 361 555

Data accurate as of02.04.2017

Comparison warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These 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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Protected Car Loan < 3 years

With flexible options and competitive interest rates you could be driving your dream car sooner than you think.

Overview

Minimum loan amount$5,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term5 years

Advertised rate7.95%

Comparison rate9.63%

Monthly repayments (approx)$320

Total repayments (approx)$11,554

Total interest repayments (approx)$1,554

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$250

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 314 900

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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Secured Fixed Rate Personal Loan

The SERVICE ONE Alliance Bank Fixed Rate Personal Loan allows you to budget with confidence as you lock in your repayment amount with a fixed rate for the life of the loan. A summary of this product's features is offered below

Overview

Minimum loan amount$1,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Advertised rate7.79%

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$150

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$25

For used vehiclesYes

SponsoredNo

Telephone1300 361 761

Data accurate as of02.04.2017

Comparison warning Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. 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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RACV New Car Loan

Your loan application will take 10 minutes – online, over the phone or in store.

Overview

Minimum loan amount$1,000

Maximum loan amount$250,000

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate9.00%

Monthly repayments (approx)$318

Total repayments (approx)$11,448

Total interest repayments (approx)$1,448

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

Telephone13 19 03

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 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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Heritage Bank
7.99%
8.62%
$319.74

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Car Loans

Whether you need a bigger family car, have your eye on your dream new car or just need a more reliable second hand vehicle to get you from A to B, our fixed rate car loan can get you moving.

Overview

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate9.37%

Monthly repayments (approx)$319

Total repayments (approx)$11,510

Total interest repayments (approx)$1,510

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$200

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 feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone13 14 22

Data accurate as of02.04.2017

Comparison warning Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. All other personal loan comparison rates calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. 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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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 amount$500,000

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

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 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 amount$500,000

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

Quarterly 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

SponsoredNo

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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Car Loan (up to 8 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 rate8.49%

Comparison rate9.51%

Monthly repayments (approx)$320

Total repayments (approx)$11,532

Total interest repayments (approx)$1,532

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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Secured Car Loan

Buy the type of car or vehicle you want with interest rates from 7.99% p.a. (comparison rate 8.76% p.a.)

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term3 years

Maximum term7 years

Advertised rate7.99%

Comparison rate10.04%

Monthly repayments (approx)$322

Total repayments (approx)$11,622

Total interest repayments (approx)$1,622

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$299

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

Telephone13 17 19

Data accurate as of13.03.2017

Comparison warning Comparison rate based on a loan of $30,000 (secured) for 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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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.