Product Library

Car Loan - Variable

A secured car loan with a competitive variable rate - available for registrable vehicles including cars, motorbikes, caravans, boats and jet skis that are up to 5 years old.?

Category: Personal Loans Last Updated April 2, 2026 Effective April 29, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest Rate
6.54% PA

Comparison Rate
7.59%PA*

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

Digital Banking Additional Information: Mobile banking app

Redraw Additional Information: Redraw fees apply

Product Eligibility

Min Age - 18.

Natural Person

Residency Status - Australian Citizen And Permanent Residency Only.

Bank Fees and Charges

Late Payment (Event), Amount: 25.00. Additional Information: Charged to loan account

New Car Loan And Car Loan Monthly Fee (Periodic), Amount: 10.00.

Redraw Fee - Staff Assisted (Event), Amount: 30.00. Additional Information: Charged to loan account

Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.

Personal Loan (secured) Application Fee (Upfront), Amount: 249.00. Additional Information: Charged on each occasion

Limitations & Restrictions (Constraints)

Min Limit of 10000.00 Additional Information: Minimum loan amount only applies at time of application

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