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Secured Fixed Car Loan (Dealer)

loans.com.au's Fixed Secured Car Loan offers a simple, competitive fixed rate with set repayments to help you finance your next vehicle with confidence. Choose a fixed term from 3 to 7 years, with finance available for new or used cars up to 12 years old purchased from a dealer.

Personal loansLender updated 7 Oct 2026

At a glance

Fixed
7.49%8.62% comparison
Loan size
$10,000 to $150,000
Upfront fee
$400
Monthly fee
$8

How it compares

This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This personal loan: 7.49%Every other institution's lowest, 41 in all

Lowest advertised rate, fixed or variable. One dot per institution, at its lowest car loan rate from a bank or lender anyone can apply for; hover or tap a dot for its name.

RateThis personal loanBest anywhereTypical institutionWhere it sits
Car loan from a bank or lenderLowest advertised rate, fixed or variable7.49%5.74%Westpac's Car Loan6.99%of 42 institutions27th lowest of 42, level with one other

Rates

Every rate LCA publishes for this personal loan, 2 in all.

TypeApplies toTermBandRateComparisonConditions
FixedFixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years.P&I7 yrs fixed-7.49%8.62%Minimum risk-based rate. Individual rates are subject to credit assessment and asset selection.
FixedFixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years.P&I7 yrs fixed-16.29%17.41%Maximum risk-based rate. Individual rates are subject to credit assessment and asset selection.

Fees

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

  1. When you take it out$400Application Fee
  2. While you hold it$8 a monthMonthly Fee
  3. When you close it or pay it off$500 to $700Fixed Rate Early Exit Fee

When you take it out1

  • Application Fee
    $400

While you hold it1

  • Monthly Fee

    A fee charged monthly on the anniversary of the loan settlement.

    $8 a month

When you close it or pay it off1

  • Fixed Rate Early Exit Fee

    Exit fee is waived if the loan runs to full term or is repaid within the final 12 months of the term. A $500 exit fee applies if the loan is repaid after the first two years, and a $700 exit fee appl…

    $500 to $700

Features

Extra repayments

Eligibility and limits

  • Minimum age 18
  • Residency: Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
  • Amount $10,000 to $150,000
  • The loan term must be at least 3 years.
  • The loan term cannot exceed 7 years. The maximum loan term for vehicles over 7 years old is 5 years.

Published by loans.com.au under the Consumer Data Right, last changed by them on 7 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.