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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.

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  • We compare 126 car loans from 43 banks

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

  • You can read unbiased car loan reviews on Mozo

NAB Unsecured Personal Loan

NAB

Today's sponsored deal

  • Rates from 12.99%pa (13.86% p.a. comparison rate)
  • No fees for extra or early repayments
  • Weekly, fortnightly or monthly repayments
Check it out

Car loan comparisons on Mozo

    • loans.com.au Car Loan (Fixed)
      • No monthly or ongoing fees
      • Fast online application
      • Regular repayments
    • interest rate from

      6.49%

    • comparison rate from*

      7.02% based on $30,000
      over 5 years

    • fees

      $350.00 upfront: $0.00/month

    • Go to site
    More info
    • People's Choice Credit Union Discounted Personal Loan over 30k (Fixed)
      • No monthly account fees
      • No penalties for early repayments
      • Flexible loan terms and repayment options
    • interest rate from

      6.64%

    • comparison rate from*

      6.99% based on $30,000
      over 5 years

    • fees

      $250.00 upfront: $0.00/month

    • Go to site
    More info
    • ADCU New Car Loan (Variable)
      • No monthly or annual fees
      • Redraw facility
      • No penalty for early repayment
    • interest rate from

      6.73%

    • comparison rate from*

      6.98% based on $30,000
      over 5 years

    • fees

      $180.00 upfront: $0.00/month

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

      6.99%

    • comparison rate from*

      7.49% based on $30,000
      over 5 years

    • fees

      $357.90 upfront: $0.00/month

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

      6.99%

    • comparison rate from*

      7.49% based on $30,000
      over 5 years

    • fees

      $357.90 upfront: $0.00/month

    • Go to site
    More info
    • NRMA New Car Loan (Fixed)
      • No ongoing fees
      • Loan approval in 5 business days
      • Choose to repay over 1 to 7 years
    • interest rate from

      6.99%

    • comparison rate from*

      7.49% based on $30,000
      over 5 years

    • fees

      $357.90 upfront: $0.00/month

    • Go to site
    More info
    • Victoria Teachers Mutual Bank New Car Loan (Variable)
      • Low $90 establishment fee
      • No monthly fees
      • Free redraw (minimum $500)
    • interest rate from

      7.04%

    • comparison rate from*

      7.17% based on $30,000
      over 5 years

    • fees

      $90.00 upfront: $0.00/month

    • Go to site
    More info
    • IMB New Car Loan (Fixed)
      • No account keeping fees
      • No penalty for an early payout
      • Flexible terms for 1 to 7 years
    • interest rate from

      7.25%

    • comparison rate from*

      7.25% based on $30,000
      over 5 years

    • fees

      $0.00 upfront: $0.00/month

    • Go to site
    More info
    • bankmecu goGreen Car Loan - greenhouse rating 7+ (Fixed)
      • No monthly fees
      • Additional payments accepted
      • Borrow from $1,000
    • interest rate from

      7.34%

    • comparison rate from*

      7.55% based on $30,000
      over 5 years

    • fees

      $150.00 upfront: $0.00/month

    • Go to site
    More info
    • ANZ Online Secured Car Loan (Fixed)
      • Borrow more than 100% of the car price to cover extras like accessories
      • You can buy either a new or used car from a dealer or private seller
      • Easy online application
    • interest rate from

      8.44%

    • comparison rate from*

      9.29% based on $30,000
      over 5 years

    • fees

      $350.00 upfront: $5.00/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 (Fixed)
      • Apply online and get a response in 60 seconds
      • Choose the frequency of your repayments
      • Choose to repay over 1 to 5 years
    • 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

*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

      • Esanda

        Esanda car loan review

        Your worst nightmare once you are under contract

        1. Overall customer rating
        2. (Reviewed 11 days ago)

        Pricing is ok, but once you are under contract they will do anything to make you unhappy. Impossible to get straight forward answers on any normal questions, if you are finally able to speak to someone. I would have paid more and went for some ser...  Full review 

        Pricing is ok, but once you are under contract they will do anything to make you unhappy. Impossible to get straight forward answers on any normal questions, if you are finally able to speak to someone. I would have paid more and went for some service instead of this company, although it is ANZ I feel like I am doing business with some creepy loan shark, who will contact me if he has a question, I am not supposed to contact him. Although I never missed a term, so that could not be the issue.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Esanda car loan review by Jack from Victoria

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      • Toyota Finance

        Toyota Finance car loan review

        Good rates, convenient

        1. Overall customer rating
        2. (Reviewed 11 days ago)

        Good rates. Reachable customer service. No extra repayments and early closure allowed without penalty.  Full review 

        Good rates. Reachable customer service. No extra repayments and early closure allowed without penalty.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Toyota Finance car loan review by Cristian from Queensland

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      • Beyond Bank

        Beyond Bank car loan review

        Fantastic rates and recognises loyalty

        1. Overall customer rating
        2. (Reviewed 11 days ago)

        I was just bowled over by how simple and easily arranged this loan was. As a life member I got a discount and it is the best loan I have ever had.  Full review 

        I was just bowled over by how simple and easily arranged this loan was. As a life member I got a discount and it is the best loan I have ever had.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Beyond Bank Low Rate Car or Personal Loan car loan review by Veronica from Australian Capital Territory

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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.

    Recently asked questions about car loans