HomeCar Loansloans.com.auUsed Car Loan (8 to 12 years old) Fixed Rate

loans.com.au Used Car Loan (8 to 12 years old) Fixed Rate

The loans.com.au Used Car Loan (8 to 12 years old) Fixed Rate offers rates from 12.39% p.a. (13.51% p.a. comparison rate*). on loans of $5,000 to $50,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The loans.com.au Used Car Loan (8 to 12 years old) Fixed Rate is a secured loan for financing pre-owned vehicles. It offers a fixed interest rate of 12.39% p.a. The comparison rate is 13.51% p.a.* Loan amounts range from $5,000 to $50,000. Terms are flexible, lasting between 3 and 7 years. There is a $400 establishment fee. An ongoing monthly fee of $8 also applies. These fees ensure transparent and manageable costs throughout the loan period.

This product is great for individuals who prefer predictable fixed repayments. It helps keep interest expenses under control. You can access funds within four business days after approval. There are no penalties for early repayment. This offers greater financial flexibility and convenience throughout the loan term.

Product Details
Fees

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$400 establishment fee

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$8 ongoing monthly fee

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No early repayment fee

Other fees may apply.

Rates

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Fixed rate of 12.39% p.a.

Loan Amount

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From $5,000 to $50,000

Loan Terms

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3, 4, 5, 6 or 7 years

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Secured loan

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the loans.com.au website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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