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

4.5 465 reviews

Multi-award winning

Our car loan interest rates

View all car loans

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

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

Happy with their services and professionalism

“Brent and Tiffany have worked so hard in difficult time pressured circumstances and I am so happy with their services and professionalism. they have been respectful and empathetic with a crazy madwoman going through a settlement process and Tiffany finished the process with flying colors and success all round.„

Big M.

10 Dec 2024

Supportive, explicit and smooth

“Charlie from loans.com.au was incredibly helpful throughout the process of refinancing my home loan. In fact, I cannot fault any of the team members who I engaged with. Every interaction was supportive, explicit and smooth. The process was faster than I expected, and I am really happy with their competitive rates. I will be recommending this company to others!!„

Roxanne P.

09 Dec 2024

Fast and easy

“Jasmin was very professional and easy to deal with. She gave us confidence from day 1 and was very helpful and met everything that we could have hoped for in a broker. I would recommend Loans.com.au to anyone who is wanting finance. Everything was fast and easy. love their work„

Madilaine S.

03 Dec 2024

Professional

“I can highly recommend Sharon from Loans.com.au for her professionalism with our loan. Sharon was a delight to deal with.„

D&M W.

02 Dec 2024

Highly recommend!

“"I had a great experience working with Loans.com.au. Stuart was pleasant, friendly, and easy to deal with from start to finish. His clear communication made everything simple to understand, and he took the time to explain each step and the process involved. At loans.com.au calls were always answered quickly and they have an excellent call back service. Stuart, Phil, and the Support Team were all highly knowledgeable, and I felt confident throughout the whole process. Highly recommend!"„

Daniel O.

26 Nov 2024

Simple, straightforward and guided

“Just refinanced our home loan with these guys - simple, straightforward and guided every step of the way. You have a dedicated point of contact throughout, which make things easy. Thanks to Jasime for taking care of us and getting us the best deal!„

A R.

25 Nov 2024

Super grateful to the team

“Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!„

Shane M.

11 Nov 2024

5 Star rating!

“Highly recommended using them to my friends and family and to all reading the reviews. To all the team outstanding and thankyou for your help.„

Lee P.

28 Oct 2024

Very helpful to solve my problems

“I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.„

Alan X.

15 Oct 2024

Our Google rating

4.5 465 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.

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.

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer

$250 New Car Loan Customer

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Get the keys to your brand-new car

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Need a real good car loan?

Our car loan interest rates

Variable Car Loan - Green/Electric

Variable Car Loan - New/Demo

Work out your car loan repayments

Your loan details

Variable Car Loan - New/Demo

Car loan resources

Get the keys to your brand-new car

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

Join our other customers

Our Google rating

As seen on...

Our car loan application process

Frequently asked questions

How does a balloon payment work?

How quickly can I get approved for a car loan?

What counts as a new car?

What is the process to get to settlement?

What is pre-approval?

Meet the team who’ll start saving you thousands

Smart friends

Real Good Rewards

Get the keys to your brand-new car

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