The Finance Algorithm
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Standard Consumer Loan

A secured fixed rate consumer vehicle loan.

Renault Financial Services publishes this at the same rates and fees as Nissan Financial Services's Standard Consumer Loan, under the same ABN.

Personal loansLender updated 12 Oct 2026

At a glance

Fixed
8.19%
Loan size
$5,000 to no maximum
Upfront fee
$499

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: 8.19%Every other institution's lowest, 11 in all

From a carmaker's finance arm, for its own vehicles, through its dealers. One dot per institution, at its lowest carmaker finance rate anyone can apply for; hover or tap a dot for its name.

RateThis personal loanBest anywhereTypical institutionWhere it sits
Carmaker financeFrom a carmaker's finance arm, for its own vehicles, through its dealers8.19%2.88%Angle Auto Finance's 2.88% G6 36 months Consumer Loan4.99%of 12 institutions9th lowest of 12, level with one other

Rates

Every rate Renault Financial Services publishes for this personal loan, 3 in all.

TypeApplies toTermBandRateComparisonConditions
FixedMinimum fixed interest rate. Actual rate offered may vary based on the applicant's circumstances and credit assessment.P&I7 yrs fixed-8.19%--
PenaltyA fixed loading applies to Consumer loans where the age of the financed Used vehicle exceeds 60 months.P&I--0.20%--
PenaltyA fixed loading applies where the contract term exceeds 60 months.P&I--0.50%--

Fees

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

  1. When you take it outUp to $4992 fees, each listed below
  2. While you hold it$14Account Keeping fee
  3. When you close it or pay it offUp to $1502 fees, each listed below

When you take it out2

  • Establishment Fee

    A one-off fee charged at the start of the consumer vehicle loan to cover the costs of setting up and processing the finance contract.

    $499
  • PPSR Fee

    A fee charged to cover the cost of registering a security interest on the Personal Property Securities Register (PPSR).

    $6

While you hold it1

  • Account Keeping fee

    A periodic fee charged for the administration and maintenance of the loan account.

    $14

If a payment is late or fails2

  • Payment Dishonour fee

    A fee charged when a scheduled repayment is dishonoured, declined or cannot be processed.

    $20
  • Late Payment Fee

    A fee charged when a payment is made more than 21 days after it is due.

    $25 25 days after it's due

When particular things happen3

  • Information Processing and Document Fee

    A fee charged each time we provide, at the request of you or your agent, written information about your loan account or a copy of a document relating to this contract.

    $15
  • Contract Variation Fee

    A fee charged each time we agree to your request for a variation to this contract.

    $145
  • Dealer Facilitation

    A fee charged to cover dealer-related services involved in arranging or processing the finance contract.

    $0 to $1,450

When you close it or pay it off2

  • Early Termination Admin Fee

    A admin fee that may apply when a loan is repaid before the end of the agreed loan term.

    $150
  • Early Termination Fee - Consumer

    A fee that may apply when a loan is repaid before the end of the agreed loan term. The amount may vary depending on the timing of the early repayment and the terms of the loan contract.

    $0 to $780

Features

Instalment plans
  • Consumer vehicle loan: - Choice of loan terms from 1 to 7 years. - Fixed interest rate for the term of the loan. - Flexible payment options including the ability to make extra payments.

Eligibility and limits

  • Minimum age 18
  • Residency: Resident
  • Available to individuals
  • Amount from $5,000, no maximum
  • Maximum LVR 1.4%
  • Applicant must not be subject to any current bankruptcy proceedings.
  • Applicant must hold a current Australian driver's licence or learner's permit.
  • Applicant must have a fixed, verifiable residential address in Australia.
  • Applicants holding temporary visas must hold an acceptable visa with at least 12 months remaining before expiry.
  • Minimum Term
  • Maximum Term
  • Acceptable asset condition
  • Maximum contract term without balloon
  • Maximum contract term with balloon

Published by Renault Financial Services under the Consumer Data Right, last changed by them on 12 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.