Secured car finance with sharper rates.
The car secures the loan — you get a better rate.
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What Aussies use a car loan loan for.
- New car from a dealer
- Used car from a dealer or private sale
- Motorbike or caravan
- Refinance an existing car loan
Why borrowers pick this loan.
Sharper rates because the car secures the loan
Fixed weekly, fortnightly or monthly repayments
Buy new, demo or used
Fast enough to close a dealer deal
Am I eligible?
You'll typically need to meet these criteria — final approval is at the lender's discretion.
- 18+ AU citizen or PR
- Income $30,000+ p.a.
- Vehicle within age limits (typically <12 years at end of term)
What might it cost?
Car Loan loan questions.
What happens if I sell the car before the loan is paid off?+
You'll need to pay out the loan balance at sale. Talk to your lender for a payout figure — Harmoney and most AU lenders provide this on request.