Car loan interest rates in Australia, compared by lender
Advertised car and personal loan rate ranges from our lender profiles. Each row separates the profile record date or confirmed human review from checks of selected rate fields. Rates can change, and the rate offered to you depends on the lender's assessment.
| Lender | Advertised rates | Comparison rate | Review and rate checks |
|---|---|---|---|
| AFS | From 7.99% p.a. fixed for new cars and 8.79% p.a. used (best rate needs good credit plus property ownership); published examples run 8.99% - 9.49% by loan size | 10.08% new / 10.87% used (on $30,000 over 5 years); published examples reach 34.75% on small short loans | Profile record dated: |
| ANZ | 7.49% - 21.99% p.a. fixed or variable (unsecured personal loan; ANZ finances cars through its unsecured personal loans) | 8.18% - 22.56% | Profile record dated: Advertised and comparison rates source-checked: |
| Affordable Car Loans | From 10.95% p.a. fixed; no upper rate published - rates vary with credit scoring and assessment | 11.50% (on $30,000 over 5 years) | Profile record dated: |
| Bank of Melbourne | 6.49% p.a. to 12.99% p.a. secured personal loan / car loan (fixed); 7.00% p.a. to 21.99% p.a. unsecured personal loan (fixed); 7.00% p.a. to 21.99% p.a. unsecured personal loan (variable). Standard variable rate for unsecured variable rate loans is 14.99% p.a. | 7.90% p.a. to 14.34% p.a. secured personal loan / car loan; 8.41% p.a. to 23.28% p.a. unsecured personal loan (fixed and variable); 16.00% p.a. on the 14.99% p.a. standard variable unsecured rate | Profile record dated: Advertised and comparison rates source-checked: |
| Bizcap | Not published. Priced as a risk-adjusted factor rate - a fixed fee over the term that Bizcap states varies from one loan to the next. | See review | Profile record dated: |
| CarStart Finance | Not published. Fixed for the term and set per applicant - CarStart states the rate is 'primarily driven by our assessment of your credit risk'. | See review | Profile record dated: |
| Commonwealth Bank | Secured car loan 6.79% - 11.29% p.a. fixed; eligible EVs and plug-in hybrids 6.49% - 8.49% p.a. secured; unsecured personal loans 6.99% - 23.99% p.a. fixed or variable; EV rates from 5.79% p.a. under the EV Access Program | 8.20% - 12.65% secured car / EV 7.90% - 9.88% / unsecured 8.04% - 24.85% fixed and variable | Profile record dated: Advertised and comparison rates source-checked: |
| Great Southern Bank | 6.49% - 13.19% p.a. fixed (secured car loan, vehicles up to 7 years old); Green Car Loan 6.09% - 12.44% for electric/hybrid; unsecured personal loan 7.49% - 20.19%; unsecured green personal loan 6.49% - 19.44%. All personalised to the borrower's profile | 6.63% - 13.34% (car); 6.23% - 12.59% (green car); 7.49% - 20.19% (unsecured), based on $30,000 over 5 years | Profile record dated: |
| Greater Bank | 6.24% p.a. fixed (New Car Loan); 6.78% p.a. fixed (Secured Personal Loan, used car/new caravan/new boat/new motorbike); 8.99% p.a. fixed (Unsecured Personal Loan). Rates shown as effective 9am Tuesday 25/08/2026. | 6.63% p.a. (New Car Loan), 7.17% p.a. (Secured Personal Loan), 9.39% p.a. (Unsecured Personal Loan). Greater Bank states 'Personal Loan comparison rates are based on $30,000.00 for a term of five (5) years.' | Profile record dated: |
| ING | 6.19% - 19.99% p.a. fixed (unsecured personal loan, priced across five published Equifax credit-score tiers from Outstanding to Satisfactory; ING finances cars through this product, there is no secured car loan) | 7.03% - 20.78% (based on $30,000 over 5 years) | Profile record dated: |
| Latitude | 9.99% - 29.39% p.a. fixed or variable, personalised to your circumstances | 11.66% - 30.97% (fixed or variable) | Profile record dated: |
| Money3 | Fixed, set per applicant after assessment; published maximum APR 12.95% (all worked examples on site use 12.95%) | 15.13% - 32.60% in published examples, depending on loan size and term | Profile record dated: |
| MoneyMe | 6.24% - 26.35% p.a. variable unsecured personal | 6.95% - 27.74% p.a. unsecured personal (advertised range; different amounts, terms and fees may produce a different comparison rate) | Profile record dated: Advertised and comparison rates source-checked: |
| NAB | Secured NAB Car Loan 6.74% - 13.54% p.a. fixed (existing NAB customers only); unsecured personal loans 7.50% - 22.00% p.a. fixed or variable; EV discount takes car rates to 5.99% - 12.79% p.a. | 8.29% - 15.03% secured car (EV car 7.55% - 14.29%) / 8.90% - 23.29% unsecured | Profile record dated: |
| Now Finance | 5.95% - 26.95% p.a. fixed unsecured, 5.95% - 21.65% p.a. fixed secured; vehicle loans 7.59% - 15.39% p.a. | equals the interest rate on personal loans (no fees); 8.43% - 16.29% on vehicle loans | Profile record dated: |
| OurMoneyMarket | 5.95% - 18.99% p.a. fixed (priced individually by OurMoneyMarket's credit scorecard across loan grades A++ to D; representative rate 9.99%, which at least half of approved customers receive or better) | 5.95% - 21.78% (representative 11.91%; based on an unsecured $30,000 loan over 5 years) | Profile record dated: |
| Pepper Money | Personal loans 5.95% - 26.95% p.a. fixed. Car loan rates are quoted per application, not published. | from 5.95% (secured personal) | Profile record dated: |
| Plenti | 5.95% - 24.09% p.a. personal (fixed or variable), 7.49% - 12.99% p.a. secured car (fixed) | 5.95% - 25.16% p.a. unsecured personal / 9.22% - 14.68% p.a. secured car (each based on $30,000 over 5 years) | Profile record dated: Advertised and comparison rates source-checked: |
| Prospa | Not published. Each business receives a customised offer; the only figure on site is the loan calculator's 31% APR assumption, which Prospa says is for illustrative purposes only and not an offer of credit. | See review | Profile record dated: |
| SocietyOne | 6.99% - 24.89% p.a. fixed, graded Tier 1 - 4, on secured and unsecured loans | 7.06% - 25.88% (basis: $10,000 secured over 3 years) | Profile record dated: |
| St.George Bank | 6.49% p.a. to 12.99% p.a. secured personal loan / car loan (fixed); 7.00% p.a. to 21.99% p.a. unsecured personal loan (fixed); 7.00% p.a. to 21.99% p.a. unsecured personal loan (variable). Standard variable rate for unsecured variable rate loans is 14.99% p.a. | 7.90% p.a. to 14.34% p.a. secured personal loan / car loan; 8.41% p.a. to 23.28% p.a. unsecured personal loan (fixed and variable); 16.00% p.a. on the 14.99% p.a. standard variable unsecured rate | Profile record dated: |
| Westpac | 6.49% - 12.99% p.a. fixed (secured car loan); EV 5.74% - 8.49%, hybrid 6.49% - 10.29%; unsecured personal loan 7.29% - 22.19% p.a. All personalised to the borrower's profile | 7.90% - 14.34% (car); 7.16% - 9.88% (EV); 8.69% - 23.48% (unsecured) | Profile record dated: Advertised and comparison rates source-checked: |
| Wisr | 7.59% to 24.59% p.a. unsecured personal, 8.54% to 20.94% p.a. secured car (all fixed) | 8.50% to 25.44% p.a. unsecured personal, 10.07% to 22.49% p.a. secured car (both based on $30,000 fixed over 5 years with monthly repayments; secured example assumes loan to vehicle value of 130% or less) | Profile record dated: Advertised and comparison rates source-checked: |
| loans.com.au | 5.94% - 16.89% p.a. variable or 7.49% - 16.29% p.a. fixed (car loans; rates as at 7 October 2026; personalised by credit score, vehicle age and type, and home ownership) | 7.07% - 18.01% (variable); 8.62% - 17.41% (fixed); based on $30,000 over 5 years | Profile record dated: |
Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
How to read this table
The table brings together published pricing recorded in our lender reviews, where you can find the source pages and product conditions. A comparison rate includes interest and certain fees using the lender's published example. Those examples can use different loan amounts, terms and security arrangements, so check each example before comparing the figures.
Compare actual offers for the same amount and term, including fees and the total amount repayable. Also check security, eligibility and repayment conditions. Use the repayment calculator for an indicative repayment, then confirm the lender's personalised quote.
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