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

Community First Credit Union
7.99%
8.76%
$313.47

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Car loan

Our secured fixed rate Car Loan is available for brand new cars, brand new registrable motorbikes, or cars that are up to 3 years old.

Overview

Minimum loan amount$10,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term7 years

Advertised rate7.99%

Comparison rate8.02%

Monthly repayments (approx)$313

Total repayments (approx)$11,284

Total interest repayments (approx)$1,284

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$0

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 13 22 77

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a secured loan amount of $30,000 over a loan 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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Northern Beaches Credit Union
7.99%
8.76%
$318.17

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Car loan

Our secured fixed rate Car Loan is available for brand new cars, brand new registrable motorbikes, or cars that are up to 3 years old.

Overview

Minimum loan amount$10,000

Maximum loan amount$60,000

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$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 13 19 64

Data accurate as of02.04.2017

Comparison warning The comparison rate is based on a secured loan amount of $30,000 over a loan 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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Used Car Loan

The Mac’s Used Car Loan is an easy solution to owning your dream car sooner. With low rates, pre-approvals and fast loan turnarounds, what are you waiting for?

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate8.49%

Comparison rate9.95%

Monthly repayments (approx)$322

Total repayments (approx)$11,607

Total interest repayments (approx)$1,607

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$215

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 622 278

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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$10K to $30K < 2 years Unsecured 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 rate8.49%

Comparison rate9.84%

Monthly repayments (approx)$321

Total repayments (approx)$11,589

Total interest repayments (approx)$1,589

Rate typeVariable

Secured or unsecuredUnsecured

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 Loans

Want to buy a new or used car? With one of our convenient and flexible Car Loans we will have you driving away in no time.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term6 years

Advertised rate8.64%

Comparison rate9.32%

Monthly repayments (approx)$319

Total repayments (approx)$11,501

Total interest repayments (approx)$1,501

Rate typeVariable

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 vehiclesYes

SponsoredNo

Telephone1300 665 553

Data accurate as of02.04.2017

Comparison warning The Comparison Rate for the New Car Loans is based on the designated amount of $30,000 (secured) 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 different Comparison Rates.

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New Car loan

If you're buying a car, whether it is new or used, take advantage of a B&E car personal loan.

Overview

Minimum loan amount$3,000

Maximum loan amount$80,000

Minimum term6 months

Maximum term7 years

Advertised rate7.95%

Comparison rate9.37%

Monthly repayments (approx)$319

Total repayments (approx)$11,509

Total interest repayments (approx)$1,509

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$200

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$0

For used vehiclesNo

SponsoredNo

Telephone1300 306 716

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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New up to 2 years

A Personal Loan from MyState is an easy way to finance your new or second-hand car, motorbike, boat or caravan.

Overview

Minimum loan amount$3,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term10 years

Advertised rate7.99%

Comparison rate9.00%

Monthly repayments (approx)$318

Total repayments (approx)$11,448

Total interest repayments (approx)$1,448

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 763 831

Data accurate as of23.09.2017

Comparison warning Comparison rate is calculated on a loan amount of $30,000 for a term of 5 years based on monthly repayments. WARNING These comparison rates are applicable only to, and are calculated on, the basis that the loan is secured.

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Car Loans Unprotected

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$3,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term5 years

Advertised rate8.49%

Comparison rate9.71%

Monthly repayments (approx)$321

Total repayments (approx)$11,567

Total interest repayments (approx)$1,567

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

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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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 rate8.95%

Comparison rate9.80%

Monthly repayments (approx)$321

Total repayments (approx)$11,582

Total interest repayments (approx)$1,582

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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Big Sky Building Society
9.11%
9.13%
$318.51

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Car loan

Big Sky offers car loans with varying interest rates depending on the type of vehicle being purchased and security offered.

Overview

Minimum loan amount$10,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate9.11%

Comparison rate9.11%

Monthly repayments (approx)$318

Total repayments (approx)$11,466

Total interest repayments (approx)$1,466

Rate typeVariable

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 schedulen/a

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 654 321

Data accurate as of02.04.2017

Comparison warning Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. The comparison rates apply only to the example or examples given. Normal lending criteria apply, interest rate is per annum and is variable. 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.  All interest rates are subject to change.

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Great Day Secured

A Great Day Secured Personal Loan, the answer to all of your borrowing needs.. A convenient Secured Personal Loan.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate9.00%

Comparison rate10.36%

Monthly repayments (approx)$324

Total repayments (approx)$11,676

Total interest repayments (approx)$1,676

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 365 724

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 based on 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 Personal Loan (6-10 year)

Northern Inland's Smart Personal Loan can be secured by a vehicle between 6-10 years old. This is a car loan, personal loan to purchase household goods or loan for your dream holiday.

Overview

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Advertised rate8.99%

Comparison rate10.35%

Monthly repayments (approx)$324

Total repayments (approx)$11,675

Total interest repayments (approx)$1,675

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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Personal loan

For any worthwhile need, a DirectMoney Personal Loan gives you the flexibility you want at a very competitive rate

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term3 years

Maximum term5 years

Advertised rate8.50%

Comparison rate12.48%

Monthly repayments (approx)$334

Total repayments (approx)$12,040

Total interest repayments (approx)$2,040

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Application / establishment fees$595

Other Fees & Information

Monthly fee$0.0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$25

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 992 007

Data accurate as of13.09.2017

Comparison warning Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with 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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$30K+ > 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 rate9.09%

Comparison rate10.45%

Monthly repayments (approx)$324

Total repayments (approx)$11,692

Total interest repayments (approx)$1,692

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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Secured Personal Loan

Buy the type of car or vehicle you want with interest rates from 12.99% p.a. (comparison rate 9.39% p.a.)

Overview

Minimum loan amount$3,000

Maximum loan amount$80,000

Minimum term1 year

Maximum term7 years

Advertised rate8.49%

Comparison rate9.87%

Monthly repayments (approx)$322

Total repayments (approx)$11,594

Total interest repayments (approx)$1,594

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

Other Fees & Information

Monthly fee$9.0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleMonthly

Early repayments allowedNo

Early repayments fee$150

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 100 266

Data accurate as of13.03.2017

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.