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Make it easy for you to get your car loan approved in less than 24 hours~ so you can start saving and drive away sooner.
Rates from**
6.09
% p.a
Comparison rate*
7.21
% p.a
Our google rating
4.5 428 reviews
Multi-award winning
Our car loans
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Most Popular
New / Demo - Special
See loan details
- Demo vehicles acceptable up to 5000kms
- Balloon option available up to 50%
- Up to 7 years loan term+
Rates from^
7.09
%
p.a.
Comparison Rate*
8.21
%
p.a.
Weekly repayment#
$170
Get started
Rates from^
7.09
%
p.a.
Comparison Rate*
8.21
%
p.a.
Weekly repayment#
$170
Get started
Weekly repayment#
$170
Get started
Green / Electric Car Loan
See loan details
- Get 1% discount for electric vehicles
- Balloon option available up to 50%
- Up to 7 years loan term+
Rates from**
6.09
%
p.a.
Comparison Rate*
7.21
%
p.a.
Weekly repayment#
$165
Get started
Rates from**
6.09
%
p.a.
Comparison Rate*
7.21
%
p.a.
Weekly repayment#
$165
Get started
Weekly repayment#
$165
#Based on the dollar value in the search field with P&I repayments based on a 7-year loan term, not including monthly fee and balloon payment.
Our car loan products are recognised & awarded by the Australian financial industry. View all awards
View all car loans
Get a low interest rate car loan today
Buying a car is an exciting purchase - whether it’s buying your first car to learn to drive in, your first new car after having the same vehicle a number of years or upsizing for your family. We’re here to help you get your finance sorted so you can get the keys to your car in no time.
Whether you’re buying new, used, or demo; from a dealership or privately, we’re here to assist. We’ll even offer a ‘green’ discount if your car is electric! Read on to find out why our customers have trusted us with their car loan.
Talk to a lending specialist
Book a time that suits you to chat with a car lending specialist.
BOOK NOW
Get pre-approval so you can shop with confidence
Call us on 13 10 90 or simply start your online application.
APPLY NOW
Whatever type of car loan you're after, we can help
Green Car Loans
Save on your loan and save the environment. Get a 'green' car discount when you choose an eligible electric vehicle which has significantly lower emissions than a similar sized petrol car.
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New Car Loans
We can help you get the keys to your dream car sooner with our low rate fixed and variable loans for new cars.
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Used Car Loans
At loans.com.au we can help you drive away in your used car sooner. With low rates for both fixed and variable used car loans helping you save ever more on your vehicle.
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Refinancing Car Loans
Sick of paying too much on your existing car loan? We're here to help. We make refinancing your car loan easy. Get approved in minutes and get to settlement in a few simple steps so you can start saving, sooner.
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Electric Car Loans
Get in your electric car faster, and at a lower rate. We offer a special discount specifically for EVs to encourage you to be more environmentally conscious and be rewarded for it.
Get Started
Our super-low car loans make it easier to drive away in your dream car sooner.
VIEW NEW / DEMO - SPECIAL
Why choose loans.com.au?
Low interest rates
Being an online lender with fewer overheads means we’re able to pass on the savings to our customers.
Australian based
Get help when you need it from our friendly team of Australian based, lending specialists.
Flexible options
Whether you’re looking to buy new or used at a dealership, or purchase a used car privately, we are sure we have a car loan that can assist you.
Award winning
We keep on winning awards for our products, innovations and customer service, year after year!
Looking for a new Car?
Source your new Car through OnlineAuto, finance it with loans.com.au and get rewarded!
Find Out More
Join our other loans.com.au customers
Very easy process
“Very easy process with a friendly lending manager to guide you through.„
Helen D.
25 Feb 2024
A big thanks to loans.com.au
“My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circ*mstance and offer me the most suitable product.„
FRANK D.
31 Jan 2024
Extremely helpful
“Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!„
Tamara W.
17 Jan 2024
Helpful!
“Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!„
Samantha S.
16 Dec 2023
Professional and less stressful application
“A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.„
Gareth W.
12 Dec 2023
Great customer service!
“Great customer service, thanks Ray!„
Chris W.
19 Nov 2023
Simply amazing!
“Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
Clive G.
14 Nov 2023
Quick efficient and friendly!
“Incredible company that has 10/10 customer service. Quick efficient and friendly!.„
Gdenma G.
21 Sep 2023
Would highly recommend
“Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.„
Scott B.
21 Aug 2023
Excellent People, Cheap rates, fast process
“Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.„
Sam S.
26 Jul 2023
Incredible experience
“Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!„
Tim D.
25 Jul 2023
Brilliant service
“Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.„
Ominous B.
03 Jul 2023
Calculate your car loan repayments.
Estimate your monthly car loan repayments with our calculator below.
Your estimated repayments are
$652.86
Monthly
$45,000
$8,934
$54,841
Calculator assumptions
Green Car Loan
Save the planet. Save thousands on your car loan.
6.09%
fixed rate p.a**
7.21%
comp rate p.a.*
1% discount on qualifying electric cars
Approval within 24 hrs~
Flexible loan terms
FIND OUT MORE
View all calculators
Car Loan Calculator Assumptions
The figures provided should be used as an estimate only, should not be relied on as true indication of your car loan repayments, or a quote or indication of pre-qualification for any car loan product. The figures are based upon the information you put into the calculator. We have made a number of assumptions when producing the calculations including:
- Loan term, vehicle purchase price, and loan amount: We assume the loan term, vehicle purchase price, and loan amount are what you enter into the calculator.
- Interest rates: We assume that the rate you enter, is the rate that will apply to your loan for the full loan term.
- Interest and repayments: The displayed total interest payable is the interest for the loan term, calculated on the entered interest rate.
- Payable over 3/4/5 years figure excludes any balloon payment
Our car loan application process
1
Application
Simply fill out your car loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.
2
Goodbye paperwork
After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.
3
Speak to specialist
You will then have an appointment with one of our lending specialists to organise your preliminary approval of your loan, and help you progress through the car loan approval process through to settlement as quickly as possible.
4
Signing document
Check onTrack to received your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender.
5
Settlement
Your loan will settle so you can make payment to the dealer or private seller. You'll start saving with your new low rate, and get your keys to your dream car!
6
Access your account
Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Common car loan questions
Car loan FAQs
How it works
Whether you’re looking for the car of your dreams at a low rate or simply want to stop paying too much on your existing car loan, we’re here to make it easy for you.
- Buying
- Refinancing
Here’s the step-by-step process on how you can get a car loan to buy your dream car.
Car Loans - Purchase
1:26
Are you ready to pay your loan off sooner and own your own car? Here’s how you can.
Car Loans - Refinance
1:35
Guide to buying a car
Most people have questions as they start on the car buying journey, so we have pulled together some articles to help you.
From tips on how the car loan process works, to information on buying a car, you can find it here.
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