Power Alliance FinancePersonal Car Loan
A new car is one of the most important purchases you'll ever make. Let's make it happen for you on simple and flexible terms.
At a glance
- Pricing
- Rates on application
- Loan size
- $5,000 to no maximum
- Upfront fee
- $395
- Monthly fee
- $8
Fees
11 fees published, grouped by when they're charged.
- When you take it outUp to $912.253 fees, each listed below
- While you hold it$8 a monthAccount Administration Fee
- When you close it or pay it offVariesConsumer Loan Early Termination Fee
When you take it out3
- Dealer Agency Fee
This fee covers the dealership’s cost of preparing your finance application on Power Alliance Finance’s behalf. The Business Manager is responsible for explaining the different types of finance produ…
$912.25 - Establishment Fee
The cost to set-up your approved loan is payable upon loan settlement and can be included within the amount financed. This is referred to in your contract as your Loan Account Establishment Fee.
$395 - Vehicle Security Registration Fee
The cost of registering Power Alliance Finance’s security interest on your vehicle on the Australian Government’s Personal Property Securities Register. This is a national online register to help pro…
$6
While you hold it1
- Account Administration Fee
A monthly fee for the management of your loan account.
$8 a month
When you make a transaction2
- Payment Method Fee - BPay
This fee applies when a payment is made by BPay. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
$1.50 - Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit)
This fee applies when a payment is made by BillPay, cheque, or direct deposit. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular rep…
$3
If a payment is late or fails2
- Payment Dishonour Fee
This fee applies if your Direct Debit or Cheque payment is dishonoured. You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. You can also cha…
$3.25 - Late Payment Fee
This fee applies if you’re late or miss a repayment, and your account goes into arrears. Power Alliance Finance will contact you about the overdue amount, and this is mentioned in your loan contract…
$25 30 days after it's due
When particular things happen2
- Information Request Fee
This fee applies if you request contract documentation from Power Alliance Finance. You can avoid this fee by logging in to Power Alliance Finance Online where you can view, download, and print your…
$25 - Account Payment Card Fee
This fee applies for replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date. You can avoid this fee by setting up a Dir…
$5
When you close it or pay it off1
- Consumer Loan Early Termination Fee
This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to h…
Varies
Features
- Fixed interest rate: Your interest rate is fixed for the duration of your car loan, so there’s never any surprises in your repayments.
- Choice of car loan terms: From one to seven years.
- Flexible repayment frequency: Pay weekly, fortnightly or monthly.
- Balloon payment option: You choose a balloon payment for lower monthly repayments with a lump sum at the end of your car loan.
Eligibility and limits
- Minimum age 18
- Amount from $5,000, no maximum
- Minimum loan term 12 months
- Maximum loan term 84 months
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Published by Power Alliance Finance under the Consumer Data Right, last changed by them on 3 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.