Car Loan
Drive away with a great rate on a new or used vehicle up to 5 years old
Car Loan – Variable
| Loan Type | Interest Rate | Comparison Rate* |
| Car Loan Secured loan with a variable rate up to 5 years |
6.29% p.a.1 | 7.34% p.a.* |
Car Loan – Fixed
| Loan Type | Interest Rate | Comparison Rate* |
| Car Loan Secured loan with a fixed rate up to 5 years |
6.29% p.a.1 | 7.34% p.a.* |
Why choose our Car Loan?
Easy
Loans over 1-7 years so you can find a repayment to suit your budget.
Flexible
Peace of mind that you can redraw repayments made in advance on your loan.
Swift
We can arrange a swift conditional approval so you can start car hunting.
Features and benefits
$10 monthly fee
A small monthly fee applies.
$249 application fee
We’ll simply add this to your loan. Includes the PPSR fee for your secured loan.
$10,000 Minimum loan amount
Maximum loan amount is subject to credit assessment.
Calculate your repayments
See what your repayments would be based on different rates and terms with our personal loan repayments calculator.
You can apply if you:
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
- Have been in your current job longer than 6 months
- Have an acceptable Credit Risk Profile (Credit Score)
- Your personal details, such as your current and previous address, phone number and email address
- Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have
- Your account transaction listing where your income is deposited, via our Bank Statements service
We are able to offer loans to self-employed applicants including home loans, personal loans, credit cards and overdrafts.
The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.
- Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
- Proof of any rental income for properties via real estate statement or copy of executed lease
- Latest Notice of Assessments for each applicant
- Everyday transaction account statements where your income is credited to via our Bank Statements service.
- Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
- Copy of current rates notice if it is a mortgage application
Looking at purchasing an electric or hybrid car?
Consider our Green Car Loan for new electric or hybrid cars for an even lower interest rate.
Fees and charges
An Early Repayment Fee (ERF) applies for fixed loans. For a full list of fees and charges refer to our latest schedule.
Important notes
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rates is current as at 20/02/26 and subject to change without notice.
*The comparison rate is calculated on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
