Allcredit Automotive Finance - Consumer Loan

A consumer loan designed to help customers purchase a new or used asset for personal use. The loan features a fixed interest rate and no deposit requirement.

Personal loansRates on applicationLender updated 1 Oct 2026

At a glance

Pricing: Rates on application
Fixed: 9.69%
Loan size: $10,000 to $200,000
Upfront fee: $595
Monthly fee: $14.70

Rates

Every rate Allcredit Automotive Finance publishes for this personal loan, 18 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
FixedMinimum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	2 yrs fixed	-	9.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 2 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan…	P&I	2 yrs fixed	-	11.90%	13.74%	-
FixedMaximum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	2 yrs fixed	-	18.50%	-	-
FixedMinimum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	3 yrs fixed	-	9.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on re…	P&I	3 yrs fixed	-	11.94%	13.78%	-
FixedMaximum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	3 yrs fixed	-	18.50%	-	-
FixedMinimum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	4 yrs fixed	-	9.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on re…	P&I	4 yrs fixed	-	11.94%	13.78%	-
FixedMaximum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	4 yrs fixed	-	18.50%	-	-
FixedMinimum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	5 yrs fixed	-	9.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on re…	P&I	5 yrs fixed	-	11.94%	13.78%	-
FixedMaximum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	5 yrs fixed	-	18.50%	-	-
FixedMinimum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	6 yrs fixed	-	10.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 6 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan…	P&I	6 yrs fixed	-	13.91%	15.74%	-
FixedMaximum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	6 yrs fixed	-	19.50%	-	-
FixedMinimum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	7 yrs fixed	-	10.69%	-	-
FixedRepresentative rate for a Consumer Loan on a 7 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan…	P&I	7 yrs fixed	-	12.09%	13.93%	-
FixedMaximum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are…	P&I	7 yrs fixed	-	19.50%	-	-

Fees

8 fees published, grouped by when they're charged.

When you take it outUp to $5954 fees, each listed below
While you hold itUp to $14.702 fees, each listed below
When you close it or pay it off$0 to $1,000Early termination fee

When you take it out4

Establishment fee
$595
Introducer origination fee
The origination fee will vary based on your introducer.
$0 to $1,495
Personal Property Securities Register (PPSR) fee
Fee payable for each security to be registered as a security interest on the PPSR website.
$6
Security registration administration fee
Fee payable for each security to be registered as a security interest on the PPSR website.
$3.95

While you hold it2

Fortnightly repayment fee
Payable each time a fortnightly repayment is due.
$6.80 every 14 days
Monthly repayment fee
Payable each time a monthly repayment is due.
$14.70 a month

If a payment is late or fails1

Dishonour fee
Payable each time a payment instruction is dishonoured.
$25

When you close it or pay it off1

Early termination fee
Payable if the balance outstanding is repaid in full 6 months or more before the end of the loan term. The early termination fee is calculated as 5% of the balance outstanding up to a maximum of $1,0…
$0 to $1,000

Features

Finance available for new or used assets including motor vehicles, caravans, camper trailers, motor homes or trailers.
Available terms of 2, 3, 4, 5, 6 and 7 years for new or used assets including motor vehicles, caravans, motor homes or trailers. Available terms of 2, 3, 4, and 5 years for camper trailers.
Have the certainty of a fixed interest rate and repayment amount for the life of the loan.
Repayments can be made fortnightly or monthly, giving flexibility to manage your payment options.
Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.
Where available, option to include a balloon payment for loan terms up to 5 years, subject to credit criteria.

Eligibility and limits

Minimum age 18
Residency: Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
Available to individuals
Amount $10,000 to $200,000
Applicants must hold a valid licence suitable for the asset being financed.

Compare it with others

All personal loans Other Allcredit Automotive Finance personal loans Everything Allcredit Automotive Finance publishes

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Published by Allcredit Automotive Finance under the Consumer Data Right, last changed by them on 1 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.