The Finance Algorithm
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Consumer Loan

Flexible finance designed to help consumers purchase new or used vehicles with repayment options tailored to individual needs.

Personal loansRates on applicationLender updated 10 July 2026
Apply at Metro Finance ↗

At a glance

Pricing
Rates on application
Loan size
$5,000 to $250,000

Fees

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

  1. When you take it outVariesEstablishment Fee
  2. While you hold itNo fee published
  3. When you close it or pay it offVariesPayout/Discharge Fee

When you take it out1

  • Establishment Fee

    Establishment fee may apply. Refer to Metro Finance Terms and Conditions

    Varies

When you make a transaction2

  • Brokerage Handling Fee

    Brokerage handling fee may apply. Refer to Metro Finance Terms and Conditions.

    Varies
  • PPSR Fee

    PPSR fee may apply. Refer to Metro Finance Terms and Conditions.

    Varies

When you close it or pay it off1

  • Payout/Discharge Fee

    Payout or discharge fee may apply. Refer to Metro Finance Terms and Conditions.

    Varies

Features

  • Balloon (residual) payment options are available at the end of the finance term, subject to the loan agreement.
  • Flexible repayment structures designed to suit individual financial circumstances.
  • Competitive fixed interest rates designed to provide repayment certainty over the finance term.
  • Finance solutions tailored to suit individual needs, budget and lifestyle.
  • Finance is available for eligible new and used vehicles and equipment.
  • Streamlined assessment process with fast approval timeframes for eligible applications.
  • Finance is available for a wide range of business vehicles, equipment and other eligible assets.
  • Applications are supported through Metro Finance's accredited broker network and finance specialists.

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Citizen / Permanent Resident
  • Amount $5,000 to $250,000
  • Applications are subject to Metro Finance's credit assessment and approval criteria.
  • Finance terms are available from 1 to 7 years.
  • Finance available for eligible new and used motor vehicles, subject to Metro Finance lending criteria.

Published by Metro Finance under the Consumer Data Right, last changed by them on 10 July 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.