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Need a real good car loan?

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**

5.99

% p.a

Comparison rate*

7.12

% p.a

Our google rating

4.5 476 reviews

Multi-award winning

Our car loan interest rates

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Loan amount

Loan reasons

Buying New

Buying Used

Refinancing

Rate type

Fixed

Variable

Car Loan	Interest Rate	Comparison Rate	Weekly Repayment	Product Features	Details
Variable Car Loan - Green/Electric Discounted rate on qualifying electric cars • Redraw up to $5k/day Most Popular	5.84% p.a.	6.97% p.a.	$163	Discounted rates for Home Owners Up to 7 year loan term Variable rate adjusts with interest rate changes Fast approval times Get Preapproved to confidently secure your car financing Access your account via Smart Money app	More details Get started
Variable Car Loan - New/Demo Demo vehicles acceptable up to 7500 kms^ • Redraw up to $5k/day	5.99% p.a.	7.12% p.a.	$164	Discounted rates for Home Owners Up to 7 year loan term Variable rate adjusts with interest rate changes Fast approval times Get Preapproved to confidently secure your car financing Access your account via Smart Money app	More details Get started

Our car loan products are recognised & awarded by the Australian financial industry. View all awards

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“I was updated along the track and it all turned out perfectly. I would certainly recommend loans.com.au to other car buyers.”

Sienna

Car loan customer

Join our other customers

Good service

“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Very helpful, making the process easy

“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„

Kendall H.

01 Apr 2025

Straightforward

“Straightforward, pleasant, very helpful staff.„

Liz M.

30 Mar 2025

Very helpful and understanding

“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„

Billy T.

28 Mar 2025

Very smooth

“Fabulous Team, thank you so much for a very smooth & successful application!„

Maree L.

27 Mar 2025

Lowest interest rates and easy service

“Returning to loans.com.au for lowest interest rates and easy service.„

Kylie H.

14 Mar 2025

Smooth and fast process

“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„

Surani F.

14 Mar 2025

Great service

“Great people and great service. Went smoothly and swiftly„

Danny K.

02 Mar 2025

Excellent Service & Fast Process!

“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„

Sai P.

03 Feb 2025

Excellent communication

“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„

Bek D.

27 Jan 2025

Our Google rating

4.5 476 reviews

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Our car loan application process

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.

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.

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.

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.

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!

Access your account

Once settlement is complete, we will send your login credentials to start managing your payments in the Smart Money app.

Apply Online

How it works

Frequently asked questions

How does a balloon payment work?

If added to your loans.com.au car loan, a balloon payment is a one-off lump sum that you have agreed to pay us, at the end of your car loan term.

This one-off final payment will account for a large proportion of your car loan so that your regular car loan repayments can be reduced each month, as a result.

It’s important to note - the balloon repayment option is only available if you get a fixed rate car loan , and will not be available for the variable car loan.

How quickly can I get approved for a car loan?

You could get pre-approval on your car loan in around 30 minutes, and we can have the loan settled in 2-4 business days, pending all the lending criteria is met.

What counts as a new car?

A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.

What is the process to get to settlement?

In short, the process to get to settlement involves you applying, speaking to a car lending specialist, and uploading your documents. loans.com.au may then approve your loans, issue the documents and you settle, and we then pay the funds so you can collect your car.

What is pre-approval?

You can save yourself a lot of time and heartache if you get pre-approval for a loan before negotiating for a car. Also known as preliminary approval, pre-approval is an offer from us to lend you an agreed amount, subject to full approval. Pre-approval remains valid for 60 days. To gain full approval, you'll need to supply more supporting documents and updated information.