Product Library

Car Loan

Tailored rates available for cars, motorbikes, caravans and boats that are less than 5 years old.

Category: Personal Loans Last Updated June 10, 2026 Effective June 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information

Interest Rate
6.35% PA

Comparison Rate
7.27%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Other Additional Information: The ability to make extra repayments or pay off your loan early without penalty

Product Eligibility

Min Age - 18.

Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.

Natural Person

Bank Fees and Charges

Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.

Personal Property Security Admin Fee (Event), Amount: 30.00.

Loan Service Fee - Personal, Green & Car Loans (Periodic), Amount: 10.00.

Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested

Processing And Switch Fee - Personal And Car Loans (Variable), Amount: Not Listed..

Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page

Archive Retrieval Fee (Variable), Amount: Not Listed.. Additional Information: Per hour fee apply plus any expenses incurred

Copies Of Statements (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page

Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.

Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract

Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

Limitations & Restrictions (Constraints)

Max Limit of 200000.00

Min Limit of 4000.00

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