Variable car loan
We can help finance your car and save with our market-first variable rate car loans.
Multi-award winning
New / Demo
-
Discounted rates for Home Owners -
Demo vehicles acceptable up to 5000 kms^
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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?
Approval within 24 hours~
Apply online and if you qualify, you’ll know your budget to find your new car.
From 3 - 7 year loan term+
Enjoy the flexibility of 3 to 7 years loan term, and you decide if you pay weekly, fortnightly or monthly.
$5,000 to $150,000
We offer car loans from as little as $5,000 to get you on the road in the right car for you.
Fixed or variable
Choose either a low rate variable loan and redraw up to $5,000 per day, or a low rate fixed loan.
A low rate car loan that looks just like this
Here’s your new offer
Rates
Variable
New / Demo^
Interest Rate:
6.24% p.a.**
Comparison Rate:
7.37% p.a.*
Green - Electric
6.09% p.a.**
7.22% p.a.*
Used < 3 years
7.39% p.a.**
8.52% p.a.*
Used < 5 years
7.39% p.a.**
8.52% 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
$166 per week#
The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.24% 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).
New / Demo^
Interest Rate:
Comp Rate:
6.24% p.a.**
7.37% p.a.*
Green - Electric
Variable Rate:
Comp Rate:
6.09% p.a.**
7.22% p.a.*
Used < 3 years
Variable Rate:
Comp Rate:
7.39% p.a.**
8.52% p.a.*
Used < 5 years
Variable Rate:
Comp Rate:
7.39% p.a.**
8.52% 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
$166 per week#
The weekly repayment estimate is based on a $45,000 loan over 7 years at 6.24% 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...
Variable Car Loan 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.
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