BOQ Specialist
Car Loan
Buying a car is all about a multitude of choices - colours, makes, models and optional extras. If a car gives you freedom of choice, why be limited to a car loan that doesn't offer the same? We offer a wide choice of tailored car loan solutions and go to great lengths to give the financing that's right for you.
Personal loansBank updated 16 Mar 2026
At a glance
- Pricing
- Rates on application
- Upfront fee
- $395
- Monthly fee
- $25
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Payment Dishonour Fee | Dishonour | $15 | — | Charged each time a cheque or payment made by you is dishonoured |
| Bank Cheque Fee | Event | $10 | — | Charged if sending payment via Bank Cheque (per bank cheque) |
| Escrow Services Fee | Event | Varies | — | An escrow services fee is payable at the end of each escrow agreement you make with us. |
| Settlement Cancellation Fee | Event | $150 | — | Charged if a booked settlement does not proceed |
| Break Costs | Exit | Varies | — | Payable if an agreement is terminated before expiration of the term of that agreement |
| Discharge Fee | Exit | Varies | — | $150 (PPSR security) $250 (property) Charged each time a security is discharged (per security) |
| Termination Fee | Exit | Varies | — | Payable if an agreement is terminated before expiration of the term of that agreement |
| Direct Debit Processing Fee | Payment | Varies | — | Charged for each time a direct debit is received from you |
| SWIFT Fee | Payment | $30 | — | Charged if sending payment via SWIFT |
| Monthly Account Keeping Fee | Periodic | $25 | Every 1 mo | — |
| Documentation or Establishment Fee | Upfront | Varies | — | Charged for set up of the Facility |
| Establishment Fee | Upfront | $395 | — | — |
| Application Reassessment Fee | Variation | $250 | — | Charged when an application is reassessed |
| Consent to lease Fee | Variation | $395 | — | Charged when a consent to registration of lease and production of Certificate of Title is required |
| Substitution/Assignment/Novation Fee | Variation | Varies | — | $450 plus any applicable External Costs |
| Trust Deed Review | Variation | $220 | — | Charged when a trust deed requires review |
| Variation Fee | Variation | Varies | — | $395 - $950. Charged for any variations made to the loan that need documentation |
§ 03 — Features
- · Can be structured for an individual, company or trust.
- · Available for new and used vehicles, dealer and private sale
- · Use your BOQ Specialist credit card to purchase your car or make loan repayments and earn reward points at the same time. A 1.5% processing fee applies.
- · Option to finance for business or private use
- · Flexible terms of up to five years
- · Competitive car loan interest rates.
- · Tailored loan repayments to suit your cash-flow needs, including fixed and variable options
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Resident or Citizen
- · Product is offered to medical, dental ,veterinary & accounting professionals only
§ 05 — Compare
§ 06 — Run the numbers
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Published by BOQ Specialist under the Consumer Data Right, last changed by them on 16 Mar 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.