“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
Green Car Loan
Fasten your seatbelts and get the keys to your dream car.
3 Year Fixed (Special)
We're awarded
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.
4.5 452 reviews
Car Loan | Interest Rate | Comparison Rate | Weekly Repayment | Product Features | Details |
---|---|---|---|---|---|
Green / Electric Car LoanVariable • Discounted rate on qualifying electric cars • Redraw up to $5k/dayMost Popular
|
6.09% p.a. | 7.21% p.a. | $165 |
|
Get started |
New / Demo - SpecialVariable • Demo vehicles acceptable up to 5000 kms • Redraw up to $5k/day |
6.24% p.a. | 7.36% p.a. | $166 |
|
Get started |
Sienna
Car loan customer
“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.„
“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.„
“Really quick and painless experience getting a loan approved for my new car. Matt was great, professional demeanor, friendly and eager to help.„
“Ai Chi Hinh is an outstanding professional who genuinely cares for her clients. Her ability to listen and her problem-solving skills are truly commendable. I am grateful for her support and expertise during a challenging time.„
“Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.„
“Great rates, easy to use, simple process. Got what I needed very quickly„
“I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.„
“My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!„
“This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.„
“By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.„
“It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.„
“Very Happy with Jessica's service so far. She is knowledgeable and efficient, and always available to answer my questions. The portal is also very easy to use. Thank you.„
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.
Fast track your loan with onTrack
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
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.
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.
A new car is one that is sold in its original condition, usually at a car dealership and has never had any previous owners.
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.
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.
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.
As a loans.com.au customer, if you refer a new customer to us we’ll reward you.
If you’re in the market for a new car, consider taking a green car out for a ride. Green vehicles can provide exceptional performance while being better for the environment.
Looking for a greener alternative to the standard car? Buying a hybrid and electric vehicle may be right for you. It’s important to note that although both vehicles offer environmental benefits, they differ in a lot of ways. Read on to learn about electric and hybrid cars.
If you’re on the fence about refinancing your car loan, our guide explains what refinancing entails.
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