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Car loan comparison

Discover competitive offers starting at 5.66% for affordable financing tailored to your car purchase.

80+ car loan providers in RateCity’s database

200+ car loan products in RateCity’s database

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Why search and compare at RateCity?

  • No cost to you

Using our comparison tool to help find a car loan is free. However, we might receive a commission from partners if you apply through our site.

  • Expert research

Our team of car loan research experts evaluates car loans for value (including price and features), offering detailed ratings to aid your comparison.

  • Dedicated experts

Our seasoned editorial team has extensive experience in financial comparisons, aiming to simplify complex terms into useful information for Australians.

  • A variety of providers

We review and rate car loans from numerous providers, offering a wide selection of car loans for informed decision making.

Providers we compare

HSBC
NAB
Commonwealth Bank
Westpac
ANZ
Macquarie Bank
OurMoneyMarket
loans.com.au
Australian Unity
Plenti
Bendigo Bank
Stratton Finance
Heritage Bank
Driva
Mortgage House
Money Place
Harmoney
RACQ Bank
IMB Bank
SocietyOne

Car loans expert tips

Laine GordonGetting a new set of wheels can be exciting - but realising the car loan you’ve signed up for is costing you more than you planned, isn’t. Some things to consider when you’re looking at getting a car loan:
  • Choose the right loan term - a longer loan with lower repayments may be better for your budget now, but consider what it could mean for your budget in 2, 3 or even 5 years’ time.
  • Read the paperwork - including the PDS and TMD. While it may seem like a bore, it will help you understand exactly what you could be signing up for.
  • Fixed or variable rate - a fixed rate of interest will stay unchanged, while a variable rate could drop - or rise. If you choose variable, make sure you’ve considered any changes and additional repayments.
  • Factor in the fees - alongside an interest rate, you’ll likely be charged for a range of fees throughout the life of your car loan, so make sure you know how much, and when you’ll be charged.
Laine Gordon - Money Editor at RateCity

Car loan calculator

Planning to buy a car? Compare and save using our car loan calculator.

Car Loan Repayment Calculator

Use this car loan calculator to determine how much you can afford to borrow.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.