Car loan rates in Australia

Bank data as of 13 November 2026, 00:00 UTC · generated 13 November 2026, 01:35 UTC from 61 lenders with car loan rates, out of 115 brands in the CDR register. Refreshed daily.

Car loan rates from 61 lenders (banks, credit unions and a few non-banks), taken from each lender's own published product data and refreshed daily, with the terms that data leaves out (vehicle age limits, fees, loan terms, early repayment costs) read from the lender's own terms and pages and re-checked daily. Choose a new, used or electric or hybrid car, a fixed or variable rate and the amount; each lender appears once, at its lowest comparison rate for that loan. The comparison rate is the lender's own figure, including most fees, usually quoted on a $30,000 loan over 5 years; where a lender says it used another loan, that is shown beneath its rate. Buying for a business? See business car loan rates.

Rates are per annum as published by the lender. Many lenders price car loans on your credit history: the rate shown is their lowest, and “up to” is the top of the range they publish. The estimated monthly repayment and total interest are ours: the chosen loan amount repaid over 5 years (or over the loan's own longest term where it is shorter) at the rate (not the comparison rate), with no fees. They are left blank where the lender's rate field is unreliable. A gold "bank updated" date means the lender has not updated the record for over 60 days or since the latest cash rate change. One entry per bank per slice: its qualifying rate with the lowest comparison rate (then rate), among rates that cover the vehicle, match the rate kind (any takes both) and whose loan amount band covers the slice's amount. The green slice takes each bank's green-only rates and its rates for new cars. Rates without a comparison rate, maximum and representative rates, revert rates and loans for staff, students, a named profession, business or a means-tested group are not ranked. Broker-only rates and lenders open only to certain occupations (restriction occupation_membership) are left out of these rankings; each slice file also carries entries_all, the same ranking with them in. A record not updated for more than 60 days before the fetch, or since before the Reserve Bank's latest cash rate change, is ranked with record_stale true and a condition saying so (unless its rate was confirmed on the bank's own website within that window and since that change). Where the bank's rate field is unreliable rate is null and the entry is ranked by its comparison rate. Click a lender for every car loan rate it publishes. The "source" link opens the lender's product record (our snapshot), "bank" the product's page, and "terms" the terms and conditions or documents page linked from its product record.

About this data

Rates come from each lender's own product data. Under the Consumer Data Right every Australian data holder must publish its product reference data openly, without authentication, which is why coverage of those lenders is complete and their records comparable. Car loans have no category of their own there, so we fetch each brand's personal loans, keep the ones that are car loans (by name, or a personal loan secured by the car), sort each rate by vehicle, rate type and loan amount, and keep the lender's wording of any conditions.

What that data leaves out, such as vehicle age limits, fees, loan terms and early repayment costs, is read from the lender's own terms, fee schedules and product pages (306 terms from 51 lenders' own terms and pages, each quoted and re-read daily). Where a lender's own document contradicts its product record, we follow the document until the lender republishes the record.

The same records are published as JSON, each with its source URL and the lender's last-updated time:

• questions.json: what to establish before answering a car loan question, what is most often misread, and which file answers what.
• best.json: the lenders ranked for each vehicle, rate type and loan amount.
• /v1/compare/car-loans?loan=…&vehicle=…: the lenders ranked live at an exact loan, with the monthly repayment, who may borrow and why each other lender is left out.
• /au/finance/car-loans/v1/best/<vehicle>/<kind>/<loan>.json: one of those rankings on its own (entries, which leaves out broker-only rates and lenders open only to certain occupations), with entries_all, the same ranking with them in, beside it, such as best/new/any/30000.json for the table above; top/ holds each one's top 10.
• rates.json: every normalised rate row, ranked or not, with vehicles, loan and term ranges, fees and the reason a row is not ranked.
• index.json: the dataset index, listing the per-lender files (brands/<brand_slug>.json) and the verbatim product record snapshots behind every row.

Lenders

All 61 lenders with car loans, each linking to every car loan rate it publishes.

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates change without notice, a lender may price your loan differently from its published rates, often on your credit history, and lenders may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.