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CAR LOANS

Mozo can help you save time and money when shopping around for a car loan. Whether you're buying a new or used card, we've got the whole market covered so you can find the best loan for your needs.

  • We compare 131 car loans from 43 banks

  • You could save more than $3000 by switching loans**

  • You can read unbiased car loan reviews on Mozo

CUA Fixed Rate Personal Loan

CUA

  • Peace of mind of knowing your repayments won't change over the life of your loan
  • No monthly fees, or penalties for early payout
  • Unlimited free extra repayments, and flexible repayment options
Check it out

Car loan comparisons on Mozo

    • RACQ Car Loan (Fixed)
      • No monthly fees
      • Choose loans terms from 1 to 7 years
      • Apply online
    • interest rate from

      7.25%

    • comparison rate from*

      7.76% based on $30,000
      over 5 years

    • fees

      $357.90 upfront: $0.00/month

    • Go to site
    More info
    • RACV Car Loan (Fixed)
      • No ongoing fees
      • Loan approval within 5 business hours
      • Choose to repay over 1 to 7 years
    • interest rate from

      7.25%

    • comparison rate from*

      7.76% based on $30,000
      over 5 years

    • fees

      $357.90 upfront: $0.00/month

    • Go to site
    More info
    • CUA New Car Loan (up to 2 years old) (Fixed)
      • No monthly account fees
      • Free extra repayments
      • No late payment or early exit fees
    • interest rate from

      7.99%

    • comparison rate from*

      8.29% based on $30,000
      over 5 years

    • fees

      $210.00 upfront: $0.00/month

    • Go to site
    More info
    • St.George Car Loan (Fixed)
      • Borrow from $3K to $80K
      • Choose to repay over 1 to 5 years
      • Flexible repayment options
    • interest rate from

      9.99%

    • comparison rate from*

      10.88% based on $30,000
      over 5 years

    • fees

      $195.00 upfront: $9.00/month

    • Go to site
    More info
    • Westpac Car Loan (Fixed)
      • Borrow from $10K to $100K
      • Loan terms from 1 to 7 years
      • Get conditional approval when you apply online
    • interest rate from

      9.99%

    • comparison rate from*

      11.03% based on $30,000
      over 5 years

    • fees

      $250.00 upfront: $10.00/month

    • Go to site
    More info
    • BankSA Car Loan (Variable)
      • Apply online and get a response in 60 seconds
      • Choose the frequency of your repayments
      • Choose a loan term between 1 and 7 years
    • interest rate from

      12.74%

    • comparison rate from*

      13.62% based on $30,000
      over 5 years

    • fees

      $195.00 upfront: $9.00/month

    • Go to site
    More info

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are for the amounts and terms quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average car loan product input by 636 consumers (average balance of $21,753 interest rate of 12.27%, monthly fee of $7.60 and loan term of 5.1 years) who used the Mozo Car Loan Health Check tool between 1 January 2012 to July 2012.

  • Car loan reviews

      • GE Money

        GE Money car loan review

        Avoid like the plague

        1. Overall customer rating
        2. (Reviewed 2 days ago)

        I was silly enough to borrow $8,000 through a car dealership, could have got a bank loan but was assured interest was competitive and it was convenient and fast. I never received a statement from them and it was only when I tried to pay the loa...  Full review 

        I was silly enough to borrow $8,000 through a car dealership, could have got a bank loan but was assured interest was competitive and it was convenient and fast. I never received a statement from them and it was only when I tried to pay the loan out I realised I had been paying over 14% interest. I was also conned into buying an unrealistic warranty which involved having my diesel car serviced every 5000km Worst of all, they misplaced the bank cheque paid to them to conclude the loan and I was unable to trade my car in until I showed them the copy of a letter and the bank cheque and was able to prove it had been delivered to them but had to threaten to sue them to get anywhere. The call centre staff were appalling and passed me around like a hot potato so I went into a branch to deal with a person face to face, she was able to ring a direct number but was lied to by an incompetent person who claimed they had the cheque and it would be processed that night. Of course when I spoke to that person the next day she said she had never seen it. Undoubtedly the biggest mistake I have ever made was doing business with GE Money.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
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        GE Money Car Loan (Fixed) car loan review by Andrew from Queensland

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      • Laboratories Credit Union

        Laboratories Credit Union car loan review

        Great staff to help

        1. Overall customer rating
        2. (Reviewed 5 days ago)

        I have been with this credit union for over 40 years. They have been there for our first house, first 2nd hand car, numerous loans over the years in financial hardship with a growing family. We purchased our first new car in 2005 with their help a...  Full review 

        I have been with this credit union for over 40 years. They have been there for our first house, first 2nd hand car, numerous loans over the years in financial hardship with a growing family. We purchased our first new car in 2005 with their help and I have saved thousands of dollars over my lifetime.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Laboratories Credit Union car loan review by Sara from New South Wales

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      • Esanda

        Esanda car loan review

        Not so sure

        1. Overall customer rating
        2. (Reviewed 5 days ago)

        Try to get a normal personal loan direct with ANZ. Do your homework first. The customer service has been okay but it doesn't seem like they are overly interested in getting you a good deal but rather in getting commissions and kick backs.  Full review 

        Try to get a normal personal loan direct with ANZ. Do your homework first. The customer service has been okay but it doesn't seem like they are overly interested in getting you a good deal but rather in getting commissions and kick backs.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Esanda car loan review by Tash

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    • Making car loan comparisons

      When it comes to borrowing money, it pays to do your homework, as the right loan will not inly help you purchase your dream car but own it outright in record speed.

      Our database covers all the major providers of new and used car loans, so you can make car loan comparisons across Australia. You can also get the inside story on everything from customer service to hidden fees with car loan reviews from the Mozo community.

    • Comparing car loans rates and more

      Our nifty car loans comparison tools let you quickly filter and compare car loans online according to the features you want, such as variable rate loans, fixed rate loans, the ability to make extra repayments, and so on. Once you have short-listed the best car loans for your needs, you can compare your chosen loans side-by-side.

      If you have a loan and you're looking to switch to save on your repayments, try our free car loan health check tool. Simply plug in your details and we'll give you a customised report of the best car loans for your situation.

    • Cheap loans

      Cheap car loans will lower your monthly repayments, but always check the terms and conditions as these may have strings attached. It pays to compare your car loan online to check whether you can make extra repayments and close your loan early without being penalised.

    • Fixed rate vs variable rate loans

      Before you compare car loan interest rates online, it helps to decide whether you want a fixed rate or variable rate car loan.

      Fixed rate car loans are ideal if you want the security of knowing that your interest rate, and therefore your monthly repayments, will remain the same for the life of the loan. On the downside, you will not benefit from any falls in interest rates over the loan period.

      To ensure you get the best loan for your situation, be sure to check features as well as rates and fees when you compare car loan interest rates.

    • Useful Calculators

      How much can you afford to pay each week or month? Plug the numbers into Mozo's car loan repayments calculator to see which loans will save you the most.

      And if you are weighing you the choice between two loans, run them through our car loan comparison calculator and see which one is the better deal.

  • Car loan calculators

    Crunch numbers with our handy calculators.
  • Car loan guides

    Own your set of wheels sooner and discover the traps of auto financing with our nifty guides which will save you thousands.

  • Community

    Keep up to date with the latest news or get your car loan questions answered by the money mavens on Mozo Answers.