The Finance Algorithm
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Consumer Fixed Rate Loan with a Guaranteed Future Value (GFV) Option

Our competitive fixed rate vehicle loans cover all (or part) of a car’s purchase price. Pick your term. Put down a deposit if you choose to. And pay it back weekly, fortnightly, or monthly. It’s your call.

Personal loansRates on applicationLender updated 23 Sept 2026

At a glance

Pricing
Rates on application
Loan size
$5,000 to no maximum
Upfront fee
$499
Monthly fee
$15

Rates

Every rate Angle Auto Finance publishes for this personal loan, 3 in all.

TypeApplies toTermBandRateComparisonConditions
DiscountP&I--0.70%-This offer is available to approved Angle Auto Finance customers financing an eligible new or demonstrator battery electric vehicle (BEV) up to an invoiced purchase price of $90,000 (including GST); EV discount
DiscountP&I--0.70%-This offer is available to approved Angle Auto Finance customers financing an eligible new or demonstrator battery electric vehicle (BEV) up to an invoiced purchase price of $90,000 (including GST); EV discount
DiscountP&I--0.70%-This offer is available to approved Angle Auto Finance customers financing an eligible new or demonstrator battery electric vehicle (BEV) up to an invoiced purchase price of $90,000 (including GST); EV discount

Fees

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

  1. When you take it outUp to $4993 fees, each listed below
  2. While you hold itUp to $153 fees, each listed below
  3. When you close it or pay it offUp to $1003 fees, each listed below

When you take it out3

  • Establishment Fee — Consumer Vehicle Loan

    Paid by you to Angle Auto Finance and included in your total amount financed.

    $499
  • Origination Fee — Consumer Vehicle Loan

    Up to $1,395.00 (incl GST). Paid by you to Angle Auto Finance and included in your total amount financed.

    $0 to $1,395
  • Registration of Security Interest Fee — Vehicle Loan

    Paid by you to Angle Auto Finance and included in your total amount financed.

    $6

While you hold it3

  • Account Keeping Fee — Consumer Vehicle Loan (Fortnightly)

    Charged fortnightly. Paid by you to Angle Auto Finance on each repayment date and included in your repayment amount.

    $6.93 every 14 days
  • Account Keeping Fee — Consumer Vehicle Loan (Monthly)

    Charged monthly. Paid by you to Angle Auto Finance on each repayment date and included in your repayment amount.

    $15 a month
  • Account Keeping Fee — Consumer Vehicle Loan (Weekly)

    Charged weekly. Paid by you to Angle Auto Finance on each repayment date and included in your repayment amount.

    $3.47 a week

When you make a transaction1

  • Dishonour Fee — Vehicle Loan

    Payable each time a direct debit or other payment is dishonoured.

    $9

When particular things happen5

  • Duplicate Fee — Vehicle Loan

    Payable each time we provide a copy of any statement, notice or other document you ask for.

    $20
  • Late Payment Fee — Vehicle Loan

    Charged when payment is not received within 15 days after the repayment date.

    $20
  • Payout Request Fee — Vehicle Loan

    Payable each time we provide a statement of the amount needed to repay early which you ask for.

    $20
  • Search Fee — Vehicle Loan

    Payable for each search of the security register.

    $2
  • Statement Fee — Vehicle Loan

    Payable each time we provide a written statement of your transaction history you ask for.

    $20

When you close it or pay it off3

  • Break Cost — Vehicle Loan

    Unascertainable. Not charged if your loan is terminated within the last 3 months of your loan term.

    From $0
  • Early Termination Fee — Consumer Vehicle Loan

    Up to $750.00. Not charged if you repay early within the first or last 3 months of the loan term. Calculated as $750.00 less $15.00 per full month since the first day of the loan term.

    $0 to $750
  • Loan Admin Fee — Consumer Vehicle Loan

    If you repay early or are required to repay early

    $100

Other fees1

  • Excess Usage Charge — Vehicle Loan

    Up to 25 cents per excess kilometre. For Guaranteed Future Value (GFV) variants, the excess usage charge is calculated for each kilometre your actual usage exceeds the contracted end odometer.

    From $0

Features

  • Digital Account Access
  • Guaranteed Future Value (GFV) locks in your vehicle’s future value (as determined by us) upfront – available when you finance through a participating dealership. It gives you more certainty, knowing…

Eligibility and limits

  • Minimum age 18
  • Residency: Hold an acceptable residency or visa type and be able to provide proof of residence
  • Employment: Earn a regular verifiable income
  • Amount from $5,000, no maximum
  • Vehicle is predominantly for personal, or domestic use.
  • Vehicle type must be a Car
  • Asset condition must be either New or Demo
  • Available for loan terms between 36 and 60 months depending on the make and model of the financed vehicle

Published by Angle Auto Finance under the Consumer Data Right, last changed by them on 23 Sept 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.