HomeCar Loansloans.com.auUsed Car Loan (up to 5 years old) Fixed Rate

loans.com.au User Car Loan (up to 5 years old) Fixed Rate

The loans.com.au User Car Loan (up to 5 years old) Fixed Rate offers rates from 7.39% p.a. (8.52% p.a. comparison rate*). on loans of $5,000 to $100,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The loans.com.au User Car Loan (up to 5 years old) Fixed Rate is a secured loan for vehicles up to five years old. It offers a fixed interest rate of 7.39% p.a. The comparison rate is 8.52% p.a.* Loan amounts range from $5,000 to $100,000. Terms are flexible, lasting between 3 and 7 years. There is an establishment fee of $400. An ongoing monthly fee of $8 applies. These fees ensure transparent and manageable costs throughout the loan period.

This car loan is a good choice for those who want fixed repayments. It helps keep interest costs low. After approval, funds are available within four business days. There are no fees for paying off the loan early. This gives borrowers more control over their finances without extra charges.

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 7.39% p.a.

Loan Amount

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From $5,000 to $100,000

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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