UniBank Car Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for a fixed loan between $2,000 and $80,000

The details shown below are for a variable loan between $2,000 and $80,000

Choose the version of this loan that suits you best

  • Loan: $2,000 $80,000

  • Loan: $2,000 $80,000

6.45% p.a.

7.13% p.a.based on $10,000
over 3 years

$100

UniBank Car Loan

6.45% p.a.

7.13% p.a.based on $10,000
over 3 years

$100

9.95% p.a.

10.64% p.a.based on $10,000
over 3 years

$100

UniBank Car Loan

9.95% p.a.

10.64% p.a.based on $10,000
over 3 years

$100

Mozo Review   UniBank Car Loan Review

Last updated: 27 November 2019.

What's hot:
  • Fixed interest rates from 6.45% (7.13% comparison rate*)

  • No ongoing or exit fees

  • 2019 Mozo Experts Choice Award winner

What's not:
  • $100 application fee

Mozo snapshot:

You could make your car dreams a reality with the UniBank Car Loan, winner of a 2019 Mozo Experts Choice Award for best Used Car Loan. Fixed competitive rates start from 6.45% (7.13% comparison rate*) for a three year term and borrowers will also enjoy no ongoing or exit fees throughout the life of the loan.

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 6.45% fixed rate (7.13% 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. 


Who it's 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. 


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 14 December 2019. 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

  • 6.45% p.a. fixed

  • 7.13% p.a.based on $10,000
    over 3 years

Fees
  • $100.00

  • $0.00

  • $10.00

  • $0.00

  • At cost

Other financial bits
  • $2,000.00

  • $80,000.00

  • 1 Year

  • 6 Years

  • Vehicle

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

*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. WARNING: 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 14 December 2019. 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

  • 9.95% p.a.variable

  • 10.64% p.a.based on $10,000
    over 3 years

Fees
  • $100.00

  • $0.00

  • $10.00

  • $0.00

  • 0

Other financial bits
  • $2,000.00

  • $80,000.00

  • 1 Year

  • 6 Years

  • Vehicle

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

*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. WARNING: 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.

Customer Reviews

How are UniBank personal loans rated by the Mozo community?

Overall customer rating
9.0/10
Price
9.2/10
Features
8.4/10
Customer service
9.6/10
Convenience
9.2/10
Trust
9.6/10
UniBank

About UniBank

UniBank is an independent, state based, customer owned credit society based on the principles of mutuality. Since its beginnings in 1964, UniBank has grown into a niche market provider of financial products and services in Western Australia. UniBank offers a full range of banking products and services, including savings, investment and loan accounts, as well as insurance, travel, international currency and financial planning services.

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