Rating based on 20 reviews


  • Car loans up to $100,000
  • Low-interest up to 5.44%
  • Repayment up to 5 years

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Author Loans. Screenshot of Loans website.
[Accessed May 2, 2023]

loans.com.au - Fast loans at the best rates

They were founded in 2011 and have developed into an industry leader with thousands of pleased clienteles in every state and territory.

They are an award-winning online lender, they are proudly Australian and they are based in the heart of Brisbane but do have offices in other capital cities. Their services team’s that are placed in their local call centre assist hundreds of clients around the country, not only do they assist in applying for their personal and car loans but they manage them on a daily basis.

Low interest rates

They are being chosen by home buyers because their bricks-and-mortar branches are inexpensive, so they pass the savings over to them through super-low interest rates. They are far more than just a great low rate personal loans provider. They make sure to take the stress out of receiving loans by cutting through the old-fashioned procedures of traditional lenders to place you in control.

Fast online loans

With the backing of their local service team, you are able to work through your online loan application at your own pace as well as observing and taking note of what is happening at each stage.

You can have peace of mind in the fact that loans.co.au is regulated by the Australian government. You can borrow from loans.com.au secure in the knowledge that they are regulated by the Australian government. Their vehicle loan procedures are protected by the National Consumer Credit Protection Act, which is required by the consumer watchdog, the Australian Securities, and Investments Commission.

Their partnership with Firstmac

They also have the financial backing from their parent company Firstmac, who is Australia’s largest non-bank lender. Firstmac has been in business for the last 39 years and they have more than $9 billion in mortgages under management. If you are a rugby fan then perhaps you would have heard of Firstmac because they are a Premier sponsor of the NRL team, the Brisbane Broncos.

Loans – Car loan

  • Loan Type Car loans
  • Interest Rate 5.44%
  • Loan Amount up to $100,000
  • Repayment 3 years to 5 years

Benefits of Loans

  • Personalised vehicle finance
  • Quick and easy online applications
  • Get the best deals

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Loans.com.au - Fast and simple car loans

They have a successful track record and they are purely Australian-owned -and-run, they offer super low rates that could save you thousands of dollars. 

Green cars are good for the environment and they do come in all sorts of colours, not just green! In order to qualify as a green car, your vehicle needs to have significantly lower carbon dioxide (CO2), than the average vehicle emissions when being compared to other vehicles of its size.

When you drive a green car you are protecting the environment by reducing the impact of climate change because carbon dioxide is a greenhouse gas and this contributes to climate change. As an extra bonus green cars normally quite fuel efficient, you will more than likely enjoy the lower running costs.

Does your car qualify for their clean green rate?

Give them a call on 13 10 90 and consult with one of their motor loan and lending specialists, to find out if your vehicle is on the approval list of green cars,

Your car is likely to be on the list if:

It’s a new or demonstrated vehicle, more fuel efficient than the average vehicle its size, is a hybrid vehicle. Here are some examples of vehicles and certain models that fit the criteria Mazda3, Ford Fiesta, Honda Jazz, Volkswagen Golf and more. Give them a call and see if your car qualifies.

Lower rate for lower emission

Should your vehicle qualify, you could save 0.7% on your car loan interest rate?

With their green car discount enables them to be in partnership with the Clean Energy Finance Corporation. A Green Bank was established by the Australian Government (and owned by the Government) to assist investment in renewable energy, energy efficient and low emission technologies.

The pros of owning a green car

  • It fights climate change
  • The air quality is improved
  • It’s safe for the energy resources
  • You save on running costs
  • You could secure a low rate for the lifespan of your car loan
  • Their rates are super low and they are fixed, your repayments will remain exactly the same and they don’t change for the lifespan of the loan.
  • They can say with confidence that when it comes to car loans this is a super low rate keeping you happy in the years ahead.
  • Their online application only takes a few minutes and all the speed bumps along the way are removed.
  • They do everything in their power to make it as easy as they possibly can, to enable you to drive away in your spanking new car.

Personal car loan

Loans.co.au can assist you in getting that motor running with their super-low interest car and personal loan rates. Should you be buying that dream car you want or a just-for-now car, you will gain with their super-low fixed rates.

They give you the choice of what term you would prefer for example they offer three, four and five-year terms for both new and used vehicles. They can also assist you with a loan should you want to buy a car from a dealership or auction.

You could use your car as security, they do not have any on-going fees on their quick loans, plus they have fixed rates so you know exactly how much your repayment will be over the entire term of the loan.

All about balloon payments

They get that not everyone’s situations are the same, this is where their handy “balloon” payment option can help you.

You have lower monthly payments, and then a large payment at the end of the loan term commonly known as a balloon payment. The final payment normally totals 20-50 % of the loan value.

The advantages of a balloon payment are:

You may want to trade in your vehicle at the end of the loan and then use the funds from the sale to repay the balloon. Most individuals estimate what their car is worth at the end of the loan term and then put forward that amount as the balloon payment.

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Loans is a trusted & reliable provider of car loans

In our review, Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Loans is a registered credit provider in Australia: ACL 395219

Customer Reviews & Testimonials

I got my ute with ease, they really give you the best service.

Paige C
— Sydney —

The application took a few minutes and I was able to submit the application.

Katherine K
— Adelaide —

We contacted them to find out if they were willing to help us. Well, they didn’t disappoint us and they helped us get our car loan.

Alexander C
— Melbourne —

Loans Contact

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Physical Address

Opening Hours

  • Monday 07:00 – 19:00
  • Tuesday 07:00 – 19:00
  • Wednesday 07:00 – 19:00
  • Thursday 07:00 – 19:00
  • Friday 07:00 – 19:00
  • Saturday – Closed
  • Sunday – Closed