Refinance car loans
Isn’t it time you stop paying too much for your car loan? Are you ready to pay your loan off and own your own car? We’re here to help.
Multi-award winning
Used Car Loans
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Available for Used Cars up to 5 y/o -
Redraw up to $5,000/day for variable rates
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Up to 7 year loan term
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Variable rate adjusts with interest rate changes
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Get Preapproved to confidently secure your car financing
Why choose an award winning low-rate car loan?
Refinancing made easy
Switch to loans.com.au and you could save thousands over the life of your loan and enjoy the freedom and flexibility of owning your own car.
Pre-approved in minutes~
Apply online or talk it over with one of our car lending specialists for a quick decision so that you can be on the roader quicker than you think.
Ability to redraw extra funds
Redraw access up to $5,000/day on a variable rate loan if you’re ahead on your repayments, giving you flexibility when you need it.
Flexible borrowing loan terms
Borrow from as little as $5,000 with a loan term to suit your needs. Choose from three to seven years, with flexible repayment options.
A low rate car loan that looks just like this
Here’s your new offer
Rates
Variable
Used < 3 years
Used < 5 years
Variable Rate:
7.39% p.a.**
7.39% p.a.**
Comparison Rate:
8.50% p.a.*
8.50% p.a.*
Fixed
Used < 3 years
Used < 5 years
Used 6-7 years
Used 8+ years
Fixed Rate:
7.59% p.a.**
7.69% p.a.**
8.99% p.a.**
12.69% p.a.**
Comparison Rate:
8.70% p.a.*
8.80% p.a.*
10.10% p.a.*
13.80% p.a.*
Key Features
Flexible loans
Approval within 24 hours~
Borrow from $5,000 to $150,000
Easy online process
Access your account via Smart Money app
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$172 per week#
The weekly repayment estimate is based on a $45,000 loan over 7 years at 7.39% p.a. paying variable rate.
Fees
Application fee
$400
Monthly fee
$8
Discharge fee
$0
Early termination fee
$700 in the first and second years of the loan term.
$500 in subsequent years of the loan term (excluding final year).
Variable
Variable Rate:
Comp Rate:
7.39% p.a.**
8.50% p.a.*
Fixed
Fixed Rate:
Comp Rate:
7.59% p.a.**
8.70% p.a.*
Flexible loans
Approval within 24 hours~
Borrow from$5,000 to $150,000
Easy online process
Access your account via Smart Money app
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$172 per week#
The weekly repayment estimate is based on a $45,000 loan over 7 years at 7.39% p.a. paying variable rate.
Application fee
$400
Monthly fee
$8
Discharge fee
$0
Early termination fee
$700 in the first and second years of the loan term.
$500 in subsequent years of the loan term (excluding final year).
“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
As seen on...
Refinance Car Loans FAQs
Konnie
Lending Specialist
Ready to talk with a real person about our low-rate car loan?
Get help from a friendly member of our Australian-based car lending team.
Guide to refinancing a car loan
If you’re on the fence about refinancing your car loan, our guide explains what refinancing entails.
Guide to Refinancing Your Car Loan
Want a better deal on your existing car loan but don’t know what to do? Consider refinancing. In this guide, we’ll tell you how to refinance a car loan and other important things you need to know.
Is it worth it to refinance your car loan?
Most people who are considering refinancing their car loan are doing so because they want to reduce their repayments by getting a lower interest rate.
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