This usually includes new cars, hybrid cars or cars that have lower emissions, with a build date of the current year or previous calendar year.
| Interest rate (p.a.) | Comparison Rate (p.a.) |
|---|---|---|
Promotional | 6.29%2 | 7.62%1 |
Standard | 9.29% | 9.57%1 |
| Promotional Interest rate (p.a.)2 | Promotional Comparison Rate (p.a.)1 | Interest rate (p.a.) | Comparison Rate (p.a.)1 |
|---|---|---|---|---|
1 Year | 6.29% | 8.44% | 9.29% | 9.57% |
2 Years | 6.29% | 7.60% | 9.29% | 9.57% |
3 Years | 6.29% | 7.02% | 9.29% | 9.57% |
4 Years | 6.29% | 6.68% | 9.29% | 9.57% |
5 Years | 6.29% | 6.56% | 9.29% | 9.57% |
|
|
|---|---|
Application fee | $0 |
Establishment fee5 | $195 |
Redraw fee | $0 |
|
|
|---|---|
Annual fee | $0 |
We require a Goods Security Agreement on the motor vehicle for all of our car loans.
This means we use your vehicle as security against the loan. Your motor vehicle must also be registered in the name of the primary borrower. For details on transaction fees refer to Terms and Conditions Part B - Fees and Charges.
Car Loan Interest Rates effective 16 December 2025.
Interest is calculated daily. Interest rates are per annum, current at the time of publication and are subject to change without notice.
Comparison rate calculated on a secured loan amount of $30,000 for 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 and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions available upon request.
The 3% discount is off the standard car loan rate. We reserve the right to amend or withdraw these offers at any time.
As rated by the Australian Government Green Vehicle Guide. Check their website for current eligibility.
No early repayment penalty is applicable on a variable rate. A break cost fee applies during periods of fixed interest.
Establishment fee only payable if loan is funded.
