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Rate moves, market updates and plain-English guides for Australian borrowers.

GuidesRefinancing guide: when switching your loan pays offThe complete refinancing picture in one place: how it works, who qualifies, when to move and what it does to your credit file.DCDeren Celik·28 July 2026
GuidesMotorcycle finance: getting on two wheels the smart wayAGAmir Gondal·28 July 2026GuidesMachinery finance: funding the heavy end of your businessJBJameson Beare·28 July 2026
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Rates watch

Interest rates and the RBA

RBA cash rate target

4.35%

Last move: +25 bps effective 6 May 2026 · held since 17 Jun 2026

Last 10 decisions · Source: RBA

What rate moves mean for your loan: read our plain-English explainer. General information only.

Interest RatesThe RBA cash rate is 4.35%: what it means for your car loanAGAmir Gondal·28 July 2026

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Lenders on our panel, reviewed

Factual, plain-English reviews organised by who each lender is best suited for.

AFS

AFS

Best suited for car buyers wanting no-deposit finance on any age of vehicle, including classics, imports and private sales

Consumer

ANZ

ANZ

Best suited for borrowers who want a major-bank unsecured loan up to $75,000 for a car or other purchase, priced to their credit score

Bank

Affordable Car Loans

Affordable Car Loans

Best suited for borrowers outside major-bank criteria wanting a secured car loan with free extra repayments and no payout penalty

Consumer

Bizcap

Bizcap

Best suited for business owners with impaired credit needing very fast short-term funding assessed on revenue

Commercial

CarStart Finance

CarStart Finance

Best suited for credit-impaired buyers, including ex-bankrupts, who want the car and the finance arranged in one place

Consumer

Commonwealth Bank

Commonwealth Bank

Best suited for buyers with a good credit rating wanting a major-bank secured car loan, published EV rate discounts or pre-approval before shopping

Bank

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