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.
Our car loan interest rates
| Car Loan | Interest Rate | Comparison Rate | Weekly Repayment | Product Features | Details |
|---|---|---|---|---|---|
Variable Car Loan - Green/ElectricDiscounted rate on qualifying electric cars • Redraw up to $5k/dayMost Popular
|
5.84% p.a. | 6.97% p.a. | $163 |
|
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Variable Car Loan - New/DemoDemo vehicles acceptable up to 7500 kms^ • Redraw up to $5k/day |
5.99% p.a. | 7.12% p.a. | $164 |
|
Get started |
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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.
Frequently asked questions
Meet the team who’ll start saving you thousands
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
Fixed Rate Car Loans: Weighing the pros and cons
Read on to learn about the pros and cons of fixed rate car loans and see if it’s the right fit for you.
Is a fixed rate car loan right for you?
Car loans with fixed interest rates are one of the most popular car finance options. However, just as with any loan, it comes with its own set of advantages and disadvantages. Whether this type of loan is right for you depends on your specific situation and your financial goals.
The Rise of Electric Cars in Australia
In this article, we take a closer look at electric car trends, ownership, and incentives with data from the Australian Electric Vehicle Industry Recap 2023 by the Electric Vehicle Council.
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