Car Loans

The right car loan, not just the first one.


New or used, dealer or private sale: we compare lenders to find finance that suits your budget and your plans, and we explain it in plain language.

New & used cars Dealer or private sale Fixed-rate options
What we finance

However you're buying.

New cars

Finance arranged before you sign, so you negotiate like a cash buyer.

Used cars

Dealer yards or demos: we'll match a lender comfortable with the age and kms.

Private sale

Buying from a private seller? We handle the checks and the paperwork.

Refinance

Stuck in a rate that doesn't suit anymore? We'll review and compare options.

Indicative rates

Rates, shown honestly.

We lead with fit, not headline rates, but you deserve a clear indication. Your actual rate depends on the lender, the car and your situation.

Car financeRate p.a.Comparison rate p.a.
New car Secured, fixed
6.99%
8.15%
Used car Secured, fixed
7.49%
8.66%
Refinance Secured, fixed
7.29%
8.45%

Rates shown are indicative only, current as at June 2026, and subject to change and lender approval. They are not an offer of credit.

Comparison rate example

A $30,000 new car loan over 5 years at 6.99% p.a. (comparison rate 8.15% p.a.) has estimated repayments of:

$594 / month

Total amount payable approximately $35,640, including fees in the comparison rate.

⚠ Comparison rate warning

The comparison rate is based on a secured loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges apply. Terms, conditions and lender criteria apply.

Interest rate vs comparison rate - understand the difference.

Read the plain-English guide
Why loan-o

Advice first. Lender second.

One enquiry, many lenders

We compare across our panel so you don't have to apply to several lenders and risk your credit file.

No surprises

We explain rates, comparison rates, fees and the real cost over the term, before you commit.

Real people

A specialist who picks up the phone and stays with you from enquiry to settlement.

How it works

From enquiry to keys.

STEP 01

Tell us about the car

What you're buying, roughly how much, and a little about you. A few minutes is all it takes.

STEP 02

We compare lenders

We find options that fit your budget and situation, and explain the rate, comparison rate and fees.

STEP 03

We get you sorted

We handle the paperwork and guide you through to settlement, so you can focus on the drive home.

Plan ahead

See indicative repayments first.

Use the car loan calculator to get a feel for weekly, fortnightly or monthly repayments, then we'll refine it around real lender options.

Open the calculator
Example · $30,000 over 5 yrs
$594/mo

6.99% p.a. · 8.15% p.a. comparison rate

Start the conversation

Let's find your car loan.

Tell us what you're after and a loan-o specialist will be in touch to talk through what may suit. No obligation.

  • A real specialist reviews your details
  • We compare lenders for your situation
  • Plain-language guidance, every step

Start with a few details.

We will use this to understand what you need and contact you about your enquiry.

Please enter your name.
Enter a valid mobile.
Enter a valid email.

Subject to lender criteria. No obligation. Information provided is general and does not guarantee approval.

Thanks - your enquiry has been received.

We will be in touch shortly to talk through car loan options that may suit your situation.

Car Loans - New & Used | loan-o