UniBankFixed Rate Car Loan
With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.
Personal loansBank updated 13 July 2026
At a glance
- Fixed
- 6.19%6.40% comparison
- Loan size
- $10,000 to $80,000
- Upfront fee
- $150
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.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Car loan from a bank or lenderLowest advertised rate, fixed or variable | 6.19% | 5.74%Westpac's Car Loan | 6.99%of 42 institutions | 4th lowest of 42, level with one other |
Rates
Every rate UniBank publishes for this personal loan, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 3 yrs fixed | $10,000–$100,000 | 6.19% | 6.40% | - |
| Fixed | P&I | 4 yrs fixed | $10,000–$100,000 | 6.19% | 6.40% | - |
| Fixed | P&I | 5 yrs fixed | $10,000–$100,000 | 6.19% | 6.40% | - |
| Fixed | P&I | 6 yrs fixed | $10,000–$100,000 | 6.19% | 6.40% | - |
Fees
One fee published, grouped by when they're charged.
When you take it out1
- APPLICATION_FEE
This fee is applicable when the loan is funded. Personal Loan Application Fee Waiver
$150
Features
Digital banking
- No ongoing fees
- Choose weekly, fortnightly or monthly repayments
- A competitive fixed interest rate
- Loan can be used to buy towable caravans, boats, motor cycles or classic cars
- Accessories like a car navigation system, alarm and your car insurance can be added to the loan
Eligibility and limits
- Minimum age 18
- Residency: Individuals must be citizens or permanent residents of Australia.
- Available to individuals
- Amount $10,000 to $80,000
- You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
- All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
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Published by UniBank under the Consumer Data Right, last changed by them on 13 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.