loans.com.au is an Australian online loan provider. In addition to car loans, it also offers housing loans. loans.com.au's car loans have loan terms from 3 years to 7 years. It charges an application fee of $400. There is also a fee for early repayments, if you pay off the loan before the last 12 months of the loan term.
loans.com.au - New - Variable Rate Special
loans.com.au - New - Variable Rate Special
6.24 %p.a.
variable rate
7.36 %p.a.
comparison rate
Early payout available
Borrow up to $150,000
100% confidential application
loans.com.au - New - Variable Rate Special
A competitive variable rate to purchase a car up to four years old. Option to add on-road costs into loan amount.
Standard Car Loan. This loan puts the power of choice in your hands – you choose your car, the loan amount, loan term between 3 years and 7 years, and how often you would like to make your repayments. This loan is secured, can be a variable or fixed rate, and allows early repayment.
Car refinance. If you already have a car loan but are looking to save some money, you can consider this refinancing loan from loans.com.au. This loan is available with competitive fixed or variable interest rates and is designed to help you save on your existing loan.
Features on offer from loans.com.au
Competitive rates. loans.com.au offers competitive interest rates with its loans, helping you to keep your repayments low.
Loan term. The minimum term is 3 years and the maximum is 7 years. You can choose to settle your loan as early as possible to save money on interest.
Loan amount. The minimum loanable amount is $5,000 and the maximum is $150,000, making a loans.com.au personal loan suitable for financing the purchase of a range of vehicles.
Repayment options. loans.com.au offers regular monthly repayments over an agreed period of time in order to help you pay off your loan faster.
Accessibility. Manage everything online and have access to your money when you need.
What other products does loans.com.au offer?
Home loans. loans.com.au has a range of home loans with fixed and variable rate options, as well as a competitive solar home loan.
Yvette Carrigg's tip
I was sitting in the dealership, had picked out my awesome new wheels and was super excited! The salesperson was throwing numbers at me and they don't sound too bad but I couldn't help but wonder if I could get a better rate elsewhere. So I compared my options. In the end, I ended up going with Loans.com.au. They were available for a call within minutes, even on a weekend, to help me through the process. Then everything is managed within their loan portal and there is customer service on hand throughout the process to help guide you through. So remember that you don't have to decide on finance right then and there. Compare the dealer offer against other lender rates and make sure you factor in any application or monthly fees into your equations. Or check the comparison rate to see how the offer stacks up. Once you have all the info, you can make a thoughtful, calm decision.
— Yvette Carrigg, Finder crew member
How to apply for a car loan from loans.com.au
Applying for a personal loan with loans.com.au is easy. Simply click "Go to Site" to get started. Fill in the application form with your complete personal and loan details, including the loan purpose and the estimated loan amount, then proceed to input your employment details.
You can also check if you prequalify for a loan by filling out the pre-qualification form. loans.com.au will evaluate your financial standing based on your income and combined expenses. Pre-qualification is valid for three months and you can formally apply for a loan once you've found the right purchase.
Aside from being a resident, you need to submit two recent payslips dated in the past four weeks for each borrower and three bank statements where your salary is credited. Apart from that, documents required will vary depending on the type of loan, as well as if you are buying privately or through a dealer. loans.com.au's lending specialists will assist you further with the required documentation.
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on a $10,000 for 5 years loan, what would be the expected fee if payed earlier?
Finder
SarahJune 11, 2024Finder
Hi Luke,
You’ll have to contact loans.com.au directly for an estimation of payout fees; you can reach them on 1300 879 066.
Best of luck!
MaxJune 16, 2016
Who would be the best company for a loan of $16000 with a guarantor as I have a bad credit rating but my guarantor is financially save and debt free
Finder
ElizabethJune 16, 2016Finder
Hi Max,
I can’t recommend a specific lender to you but you may want to learn more about guarantor personal loans.
I hope this helps,
Elizabeth
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on a $10,000 for 5 years loan, what would be the expected fee if payed earlier?
Hi Luke,
You’ll have to contact loans.com.au directly for an estimation of payout fees; you can reach them on 1300 879 066.
Best of luck!
Who would be the best company for a loan of $16000 with a guarantor as I have a bad credit rating but my guarantor is financially save and debt free
Hi Max,
I can’t recommend a specific lender to you but you may want to learn more about guarantor personal loans.
I hope this helps,
Elizabeth