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Westpac Car Loan

The Westpac Car Loan offers rates from 6.49% p.a. (7.69% p.a. comparison rate*). on loans of $10,000 to $100,000.


Updated 18 March 2025


Fact checked and verified. Updated 18 March 2025
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Expert Review

The Westpac Car Loan is a secured loan with fixed interest rates from 6.49% to 12.99% p.a. Comparison rates range between 7.69% and 14.14% p.a.* Loan amounts start at $10,000 and can go up to $100,000. Borrowers can choose flexible terms lasting from one to seven years. There is an establishment fee of $250. Monthly ongoing fees are $12. A loan closure fee of $175 may apply if you repay early.

Stay or Go's car loan comparison review shows that the Westpac Car Loan is among the lowest 5% of interest rates for secured fixed-rate loans. This loan is great for people who want predictable repayment amounts. It also offers competitive interest costs. The exit fee is clearly defined, giving borrowers transparency if they consider early settlement.

Product Details
Fees

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$250 establishment fee

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$12 ongoing monthly fee

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$175 early repayment fee may apply

Other fees may apply.

Rates

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Fixed rate from 6.49% to 12.99% p.a.

Loan Amount

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From $10,000 to $100,000

Loan Terms

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1, 2, 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 Westpac 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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Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.