used car loans

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Used car loan comparisons on Mozo - last updated 22 May 2022

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    New Car Loan - Prime Special

    Home Owner Discount, Including Demo, Variable, Secured

    Interest rate
    comparison rate
    Monthly repayment
    3.24% p.a.
    3.78% p.a.based on $30,000
    over 5 years

    Repayment terms from 3 years to 5 years. Representative example: a 5 year $30,000 loan at 3.24% would cost $32,935.97 including fees.

    Low variable car loan rate for purchasing new and demo vehicles from dealers. Extra low 2.99% rate (3.53 comparison rate*) for qualifying homeowners. Personalised loan amounts between $5,000 and $100,000. Flexible repayment options. Choose between the 3 to 5 year loan terms.

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    Car Loan

    Fixed, Secured

    Interest rate
    comparison rate
    Monthly repayment
    5.35% p.a.
    5.65% p.a.based on $30,000
    over 5 years

    Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 5.35% would cost $34,507.61 including fees.

    Available for all New and Used cars up to 7 years. A quick and easy, 100% online application with loans up to $75,000. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.

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    Used Car Loan

    Fixed, Secured

    Interest rate
    comparison rate
    Monthly repayment
    6.24% p.a.
    6.94% p.a.based on $30,000
    over 5 years

    Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.24% would cost $35,499.27 including fees.

    Enjoy a quick application process and no monthly fees on NRMA used car loans. Finance also available motorcycles, caravans and motorhomes. Low fixed interest rates with terms of up to seven years. Plus, NRMA Blue Member benefits apply so you could enjoy even lower rates as an NRMA Member**.

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    Car Loan

    Fixed

    Interest rate
    comparison rate
    Monthly repayment
    5.99% p.a.to 10.29% p.a.
    6.54% p.a.to 10.86% p.a.based on $30,000
    over 5 years

    Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 5.99% would cost $35,189.67 including fees.

    Enjoy competitively low rate car loans from 4.89% (comparison rate 5.44% p.a.) between $10,000 and $100,000 for new, demo and used vehicles. Take advantage of flexible 3, 5 or 7 year loan terms. No early repayment or exit fees. You must be 21 years or over to qualify and earn above $35,000.

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    Clean Green Car Loan

    New or Used, Fixed, Secured

    Interest rate
    comparison rate
    Monthly repayment
    5.89% p.a.
    6.44% p.a.based on $30,000
    over 5 years

    Repayment terms from 3 years to 5 years. Representative example: a 5 year $30,000 loan at 5.89% would cost $35,107.05 including fees.

    No monthly or ongoing fees. Get a 0.70% discount on your car loan interest rate if you buy a qualifying green car. Winner of Mozo's Experts Choice Green Car Loan 2021 award^.

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    Used Car Loan

    Dealer Only, Up to 5 years old, Fixed, Secured

    Interest rate
    comparison rate
    Monthly repayment
    6.59% p.a.
    7.14% p.a.based on $30,000
    over 5 years

    Repayment terms from 3 years to 5 years. Representative example: a 5 year $30,000 loan at 6.59% would cost $35,695.00 including fees.

    Used Car Loan with no monthly or ongoing fees, with a fixed rate for the life of the loan. Fast online application.

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^See information about the Mozo Experts Choice Car loans Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Car loan lenders we compare at Mozo

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Car Loan Reviews

Pepper Money Secured Loan
Overall 1/10
Terrible Service, would never recommend.

Very difficult to deal with. Unreliable with debiting payments- they change dates randomly without notice. I am ahead on payments and yet they have taken extra payments randomly on more than one occasion- they admit to the mistakes but then don’t know how to fix it. This time they transferred me to 3 different people who all didn’t know. I felt they were just stalling hoping I would give up. Terrible service, looking forward to not using them in the future.

Read full review

Very difficult to deal with. Unreliable with debiting payments- they change dates randomly without notice. I am ahead on payments and yet they have taken extra payments randomly on more than one occasion- they admit to the mistakes but then don’t know how to fix it. This time they transferred me to 3 different people who all didn’t know. I felt they were just stalling hoping I would give up. Terrible service, looking forward to not using them in the future.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Lauren, Queensland, reviewed 3 months ago
RAC Car Loan
Overall 1/10
Don't do it! Worst finance I have ever used!

Applied for a car loan, got it. The day I went to sign they advised me that they had made a mistake and my car was a couple of months out of their age limit, and I'd have to do a personal loan instead. I had already removed my plates ready for my trade in and arranged everything so I felt like I still had to go ahead. This is now costing me an extra $110 a fortnight and I am LIVID. I called them once to arrange a new direct debit date, and was told it was done but they didn't change it, so I was charged a fee for a failed direct debit and they repeatedly spam called me and emailed me being very rude. Absolute joke of a company- AVOID AVOID AVOID!!

Read full review

Applied for a car loan, got it. The day I went to sign they advised me that they had made a mistake and my car was a couple of months out of their age limit, and I'd have to do a personal loan instead. I had already removed my plates ready for my trade in and arranged everything so I felt like I still had to go ahead. This is now costing me an extra $110 a fortnight and I am LIVID. I called them once to arrange a new direct debit date, and was told it was done but they didn't change it, so I was charged a fee for a failed direct debit and they repeatedly spam called me and emailed me being very rude. Absolute joke of a company- AVOID AVOID AVOID!!

Price
1/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Tash, Western Australia, reviewed 3 months ago
Pepper Money Car Loan
Overall 10/10
Overall fantastic service

Fantastic service….very quick decisions and extremely great customer service A+++++

Read full review

Fantastic service….very quick decisions and extremely great customer service A+++++

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Robert, Victoria, reviewed 3 months ago

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