Variable car loan
We can help finance your car and save with our market-first variable rate car loans.
Multi-award winning
Variable Car Loan
New/Demo
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Discounted rates for Home Owners -
Demo vehicles acceptable up to 7500 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 |
|
| 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 | $164 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 5.99% 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 Car Loan - New/Demo^ | Interest Rate: 5.99% p.a.** |
| Comp Rate: 7.12% p.a.* |
| Variable Car Loan - Green/Electric | Interest Rate: 5.84% p.a.** |
| Comp Rate: 6.97% p.a.* |
| Variable Car Loan - Used < 3 years old | Interest Rate: 7.14% p.a.** |
| Comp Rate: 8.27% p.a.* |
| Variable Car Loan - Used < 5 years old | Interest Rate: 7.14% p.a.** |
| Comp Rate: 8.27% 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 | $164 per week# The weekly repayment estimate is based on a $45,000 loan over 7 years at 5.99% 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.
A guide to car loans
If you are looking at car finance to purchase your next car and have lots of questions, our guide contains our loan process, what documents you'll need, preapproval, tips and more.
We're help to help you when you may need us.
Which is better: A car loan or paying cash?
Read on to find out the benefits and drawbacks of financing a car purchase compared to paying cash upfront.
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