The Finance Algorithm

At a glance

Variable
6.89%7.26% comparison
Loan size
$5,000 to $120,000
Upfront fee
$265

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: 6.89%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 variable6.89%5.74%Westpac's Car Loan6.99%of 42 institutions18th lowest of 42, level with one other

Rates

The one rate Orange Credit Union Ltd publishes for this personal loan.

TypeApplies toTermBandRateComparisonConditions
VariableCredit eligibility criteria, terms and conditions, fees & charges apply. Comparison rate is based on a secured loan of $30,000 over 5 years. WARNING: This comparison rate is true only for the example…Investment, Interest only--6.89%7.26%-

Fees

One fee published, grouped by when they're charged.

When you take it out1

  • VEHICLE_LOAN_ESTABLISHMENT_FEE

    Includes REVS check

    $265

Features

RedrawInstant payments
  • $0 Monthly Fee
  • Early repayments without penalty
  • Loan Period up to 7 years

Eligibility and limits

  • Minimum age 18
  • Residency: Must be an Australian citizen or permanent resident
  • Amount $5,000 to $120,000
  • Lending criteria, terms and conditions apply
  • Registrable vehicles less than 5 years of age only

Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 26 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.