The details shown below are for a variable loan between $5,000 and $80,000

The details shown below are for a fixed loan between $10,000 and $80,000

Choose the version of this loan that suits you best

  • Loan: $5,000 $80,000

  • Loan: $10,000 $80,000

Interest rate from
8.99% p.a.
Comparison rate from
9.13% p.a.based on $10,000
over 3 years
Upfront fee
$100
Interest rate from
4.99% p.a.
Comparison rate from
5.66% p.a.based on $10,000
over 3 years
Upfront fee
$100

Mozo editorial review UniBank Car Loan - last updated: 11 November 2020

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What's hot
  • Fixed interest rates from 4.99% (5.66% comparison rate*)
  • No ongoing or exit fees
What's not
  • $100 application fee
Mozo snapshot

You could make your car dreams a reality with the UniBank Car Loan, starting with fixed competitive rates start from 4.99% (5.66% comparison rate*) for a three year term and borrowers will also enjoy no ongoing or exit fees throughout the life of the loan.

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Key features

Whether you’re looking to treat yourself to a new set of wheels or pick up your second-hand ride, the UniBank Car Loan could help you do it. You’ll have peace of mind knowing your repayments won’t change, thanks to the 4.99% fixed rate (5.66% comparison rate*) and have the flexibility of borrowing up to a generous $80,000 for a maximum term of six years.

Speaking of flexibility, borrowers will also be able to choose their repayment frequency of either weekly, fortnightly or monthly. And aside from the one-off $100 application fee and $10 late payment fee, there are no ongoing or exit fees with this loan. Extra repayments are welcome with this loan, though there may be an early repayment penalty (at cost) if you choose to do so. And if you ever need those additional repayments back in your pocket, there is also a redraw option. 

One thing to keep in mind with the UniBank Car Loan is that the loan is available in a variable rate option at 9.95% (10.64% comparison rate*), however the variable rate version of this loan did not receive a 2019 Mozo Experts Choice Award. 


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Who is it good for

If you’re a borrower looking to pick up a new or used car and want the security of a fixed rate, then the UniBank Car Loan could be the right pick for you. 


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Any catches

Although this car loan is light on fees, remember that you will be charged a $100 application fee. And if you ever miss a payment, you will be charged a $10 late payment fee.

Details

Rates and fees information correct as at 25 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

variable

8.99% p.a.variable

9.13% p.a.based on $10,000
over 3 years

Fees

$100.00

$0.00

$10.00

$0.00

0

Other financial bits

$5,000.00

$80,000.00

0 Years

6 Years

Vehicle

Features

Weekly, Fortnightly, Monthly

yes

yes

none

none

WARNING: 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 calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. 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.

Details

Rates and fees information correct as at 25 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

4.99% p.a. fixed

5.66% p.a.based on $10,000
over 3 years

Fees

$100.00

$0.00

$10.00

$0.00

At cost

Other financial bits

$10,000.00

$80,000.00

3 Years

6 Years

Vehicle

Features

Weekly, Fortnightly, Monthly

yes

yes

Minimum loan amount is $10,000 for 3-6 year fixed terms.

none

WARNING: 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 calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. 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.

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About UniBank