Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Scores based on editorial review methodology
Best for: Best for Australian residents looking to finance a new or used vehicle, especially Toyotas.
APR
7.0–12.0%
Amount
A$5k–A$150k
Term
12–60mo
This car loan is a solid choice for those purchasing a Toyota, offering tailored financing and fixed rates.
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Best for: This loan is best for individuals looking to fund personal projects like renovations, travel, or debt consolidation without incurring extra charges.
APR
7.5–12.99%
Amount
A$5k–A$55k
Term
12–84mo
Speed
Apply online
The NAB Personal Loan offers flexibility with no monthly fees, making it a practical choice for various financial needs.
Read review→Best for: Borrowers with a steady income and good credit seeking a loan for a new or used vehicle.
APR
6.79–10.79%
Amount
A$4k–A$120k
Term
12–84mo
CommBank offers one of the more competitive fixed rates for car loans, but the eligibility criteria can be strict, particularly for those with lower credit scores. It's a good fit for borrowers looking for a loan with fixed repayments but may not suit those needing more flexible terms.
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Best for: This loan is best for individuals seeking an unsecured option to improve their credit score with fixed rates.
APR
6.17–24.09%
Amount
A$2k–A$75k
Term
12–84mo
Speed
Funds in as little as 24 hours from approval
Plenti offers a flexible personal loan option for those looking to build their credit. However, the lack of a dedicated page means information may be limited.
Read review→Best for: This loan is ideal for Australian residents looking for loans between $5,000 and $100,000 with competitive rates.
APR
7.49%
Amount
A$5k–A$75k
Term
36–84mo
Speed
Personalised rate in as little as 60 seconds; average settlement about 24 hours
Plenti's secured car loan is a suitable option for those needing a flexible loan for their vehicle, especially with quick approval.
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Best for: This loan is best for individuals with building credit looking to finance personal projects like renovations or debt consolidation.
APR
5.76–24.03%
Amount
A$2k–A$70k
Term
24–84mo
Speed
Fast online approval, funds within 24 hours
Harmoney offers a streamlined online personal loan experience, ideal for those seeking quick access to funds without the hassle of branch visits.
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Best for: This loan is best for Australian residents looking to finance a new or used vehicle with manageable repayments.
APR
6.49–12.99%
Amount
A$5k–A$100k
Term
12–84mo
Westpac's car loan features competitive rates and flexible terms, making it a solid choice for many borrowers.
Read review→Best for: Individuals with a good credit rating seeking a personal loan to fund significant expenses like home renovations or debt consolidation.
APR
5.95–18.99%
Amount
A$5k–A$75k
Term
24–60mo
Speed
Fast online approval
With starting at 5.95%, OurMoneyMarket personal loans are an for those with good credit looking for substantial borrowing. However, the higher APR can reach up to 18.99%, which may deter some borrowers.
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Best for: This loan is ideal for Australian residents needing substantial financing for cars, with quick approval times.
APR
6.74–13.54%
Amount
A$10k–A$100k
Term
12–84mo
Speed
Same day approval with funds within one business day after agreement
NAB's secured car loan offers flexibility and competitive rates for borrowers looking to finance a vehicle.
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Best for: This loan is best for those with a strong credit history looking for a reliable lender with established customer service.
APR
7.25–22.25%
Amount
A$4k–A$50k
Term
12–84mo
Speed
Same day for eligible customers
The Commonwealth Bank Personal Loan offers competitive rates and flexible terms, making it a solid choice for eligible borrowers.
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Best for: Ideal for those seeking a reliable loan from a major Australian bank with the option for both fixed and variable rates.
APR
7.49–19.99%
Amount
A$5k–A$75k
Term
12–84mo
Speed
Apply online
The ANZ Personal Loan offers competitive rates and flexible options, making it a solid choice for borrowers with good credit.
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Best for: Individuals with strong credit histories seeking a personal loan for major expenses or consolidating debt.
APR
6.19–19.99%
Amount
A$5k–A$60k
Term
12–84mo
Speed
Same day for eligible customers
The ING Personal Loan offers competitive fixed rates starting at 6.19% p.a., making it suitable for those looking for predictable repayments. However, applicants with lower credit scores may face higher rates.
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Best for: This loan is best for individuals with high credit ratings looking for flexible repayment options and fast approval times.
APR
7.0–21.99%
Amount
A$4k–A$50k
Term
12–84mo
Speed
Same day for eligible customers
Westpac offers competitive fixed-rate personal loans suitable for various needs, but terms and eligibility criteria can be stringent.
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Best for: This loan is best for individuals who may struggle to secure financing from traditional banks due to credit issues or unconventional financial situations.
APR
5.67–24.99%
Amount
A$3k–A$80k
Term
36–84mo
Speed
Get personalised rate in minutes
Liberty Financial offers accessible personal loans tailored for those with less-than-perfect credit histories, making it a viable option for many borrowers.
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