{"source":"Each bank's own published product data (Consumer Data Right Product Reference Data APIs, public and unauthenticated, personal loans category), with the terms it leaves out read from the bank's own terms and pages","licence_note":"Rates are published by each bank as public product reference data under the Consumer Data Right and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Terms that data leaves out (vehicle age limits, fees, loan terms, early repayment costs, who may borrow) are read from the bank's own terms and pages, quoted, and re-checked daily; where the bank's page contradicts its product record, we follow the page until the bank republishes. Rates change without notice and the rate a borrower is offered depends on the bank's assessment, often of their credit history; check the bank's page before acting. This is not financial advice.","coverage_note":"Covers only lenders that publish car loans under the Consumer Data Right: banks, credit unions and a few non-banks. Non-bank car financiers and dealer or manufacturer finance are not on the CDR register and are not included (checked 2026-10-18: Automotive Financial Services (AFS), Pepper, Plenti, Money3, Latitude, Toyota Finance, Angle Finance, Firstmac, Wisr, Harmoney, NOW Finance, Stratton and Metro Finance are absent). Business vehicle loans (chattel mortgages, ABN required) are a separate dataset, https://deepalmanac.com/au/finance/business-car-loans/; novated leases are not covered.","comparison_rate_note":"The comparison rate is the bank's own figure, worked out by a formula set in law and including most fees, on one of the loan examples the law prescribes: the bank picks the one closest to its typical loan. For car loans that is usually $30,000 over 5 years, and comparison_basis says when the bank states the example it used. On a smaller loan or a shorter term the fees weigh more than it shows.","comparison_rate_warning":"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.","repayment_note":"est_monthly_repayment and est_total_interest are estimates on the slice's loan amount over 60 months, or over the loan's own longest term where it is shorter (repayment_term_months and repayment_basis say which), at the rate (not the comparison rate), excluding all fees; null when the bank's rate field is unreliable.","generated_at":"2026-11-13T01:35:04Z","brand_count":115,"brands_with_rates":61,"vehicles":["new","used","green"],"kinds":["any","fixed","variable"],"loans":[15000,30000,60000],"default":{"vehicle":"new","kind":"any","loan":30000},"ranking_rules":"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.","slices":{"url_template":"https://deepalmanac.com/au/finance/car-loans/v1/best/{vehicle}/{kind}/{loan}.json","note":"One slice per vehicle, kind and loan amount, plus entries_all (broker-only and occupation-limited rates in); top/ holds each slice's top 10."},"rankings":{"new":{"any":{"15000":[{"rank":1,"brand":"SWSbank","brand_label":"SWS Bank","brand_slug":"swsbank","product_id":"L17_Disc_NVL","product_name":"5 Year Variable Interest Vehicle Loan","product_label":"5 Year Variable Interest Vehicle 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2026-10-18, though the record dates from 2025-09-11","vehicles up to 3 years old","car, caravan or float","no application, account or establishment fees"],"record_stale":false,"record_correction":"confirmed on the bank's website on 2026-10-18, though the record dates from 2025-09-11","source_url":"https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L17_Disc_NVL","source_snapshot":"/au/finance/car-loans/v1/source/swsbank/L17_Disc_NVL.json","bank_last_updated":"2025-09-11T14:14:04.000+10:00","est_monthly_repayment":288.53,"est_total_interest":2312,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":2,"brand":"MoveBank","brand_label":"MoveBank","brand_slug":"movebank","product_id":"c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c","product_name":"Move Car Loan","product_label":"Move Car 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old"],"record_stale":false,"record_correction":null,"source_url":"https://od1.cdr.digital.move.bank/api/cds-au/v1/banking/products/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c","source_snapshot":"/au/finance/car-loans/v1/source/movebank/c60b0aac-2a2d-4eaf-a240-7aae4acc7f0c.json","bank_last_updated":"2026-11-12T14:27:44.470497Z","est_monthly_repayment":290.62,"est_total_interest":2437,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":3,"brand":"Greater Bank","brand_label":"Greater Bank","brand_slug":"greater-bank","product_id":"3265","product_name":"New Car Loan","product_label":"New Car 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vehicles only","$250 application fee and $15 PPSR fee","new cars, motorbikes and caravans","maximum $100,000","no penalty or fee for extra repayments or early payout"],"record_stale":true,"record_correction":"extra repayments accepted with no fee, and no minimum amount, per the bank's page (the feed lists no extra repayments feature and a $1,000 minimum)","source_url":"https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/L38_NEWCARLOANFIXEDSPECIAL","source_snapshot":"/au/finance/car-loans/v1/source/the-mac/L38_NEWCARLOANFIXEDSPECIAL.json","bank_last_updated":"2026-11-02T09:20:03.000+11:00","est_monthly_repayment":292.02,"est_total_interest":2521,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":5,"brand":"Great Southern Bank","brand_label":"Great Southern Bank","brand_slug":"great-southern-bank","product_id":"3000-4605","product_name":"Secured Fixed Car Loan","product_label":"Secured Fixed Car Loan","product_url":"https://www.greatsouthernbank.com.au/personal-loans/secured-fixed-car-loan","terms_url":"https://www.greatsouthernbank.com.au/personal-loans/secured-fixed-car-loan","car_loan_basis":"name","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":84,"kind":"fixed","vehicles":["new","used","green"],"vehicle_age_min":null,"vehicle_age_max":7,"max_vehicle_age_months":84,"vehicle_age_quote":"For buying or refinancing a new or used car or motorbike up to seven years old.","security":"secured","term_min_months":12,"term_max_months":84,"rate":null,"rate_pct":null,"rate_published_pct":15.0,"rate_unreliable":true,"comparison_rate":0.0683,"comparison_rate_pct":6.83,"comparison_basis":null,"rate_max_pct":null,"comparison_rate_max_pct":13.14,"risk_based":true,"credit_band":"Equifax Score 1000-1200","loan_min":5000.0,"loan_max":100000.0,"max_lvr":null,"redraw":true,"annual_fee":null,"upfront_fees":225.0,"restrictions":[],"conditions":["not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed","The bank's feed gives 15.00% on every credit band with comparison rates from 6.83% to 13.14%, and a 8.31-point discount for this band (6.69% after it); the rate is not shown and the loan is ranked by its comparison rate","Rate depends on your credit history; this is the rate for Equifax Score 1000-1200; comparison rate up to 13.14%","new or used car or motorbike up to 7 years old","cars and motorbikes","$100 security administration fee","permanent Australian residents aged 18 or over"],"record_stale":true,"record_correction":null,"source_url":"https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/3000-4605","source_snapshot":"/au/finance/car-loans/v1/source/great-southern-bank/3000-4605.json","bank_last_updated":"2026-10-15T14:00:01.00000Z","est_monthly_repayment":null,"est_total_interest":null,"repayment_term_months":null,"repayment_basis":null},{"rank":6,"brand":"IMB Bank","brand_label":"IMB Bank","brand_slug":"imb-bank","product_id":"PL-2-1","product_name":"New Car Loan","product_label":"New Car Loan","product_url":"https://www.imb.com.au/banking/personal-loans/new-car-loan","terms_url":"https://www.imb.com.au/important-information","car_loan_basis":"name","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":84,"kind":"fixed","vehicles":["new","used","green"],"vehicle_age_min":null,"vehicle_age_max":4,"max_vehicle_age_months":48,"vehicle_age_quote":"For New and Used Cars up to 4 years old.","security":"secured","term_min_months":12,"term_max_months":84,"rate":0.0649,"rate_pct":6.49,"rate_published_pct":6.49,"rate_unreliable":false,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"comparison_basis":{"amount":30000.0,"term_months":60},"rate_max_pct":null,"comparison_rate_max_pct":null,"risk_based":false,"credit_band":null,"loan_min":2000.0,"loan_max":125000.0,"max_lvr":null,"redraw":false,"annual_fee":null,"upfront_fees":250.0,"restrictions":[],"conditions":["vehicles up to 4 years old","$24.78 PPSR fee on personal loans","$50 default fee each month in default","no penalty for early payout","electric, hybrid, plug-in hybrid, petrol and diesel 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Loan","product_url":"https://www.newcastlepermanent.com.au/personal/personal-and-car-loans","terms_url":"https://www.newcastlepermanent.com.au/siteassets/documents/target-market-determination/personal-lending/target-market-determination-personal-loan.pdf","car_loan_basis":"name","rate_kind":"fixed","lending_rate_type":"FIXED","fixed_months":84,"kind":"fixed","vehicles":["new","used","green"],"vehicle_age_min":null,"vehicle_age_max":null,"max_vehicle_age_months":null,"vehicle_age_quote":null,"security":"secured","term_min_months":12,"term_max_months":84,"rate":0.0649,"rate_pct":6.49,"rate_published_pct":6.49,"rate_unreliable":false,"comparison_rate":0.0684,"comparison_rate_pct":6.84,"comparison_basis":null,"rate_max_pct":null,"comparison_rate_max_pct":null,"risk_based":false,"credit_band":null,"loan_min":5000.0,"loan_max":null,"max_lvr":null,"redraw":false,"annual_fee":null,"upfront_fees":250.0,"restrictions":[],"conditions":["confirmed on the bank's website on 2026-11-05, after its changes following the 4 November rise"],"record_stale":false,"record_correction":"confirmed on the bank's website on 2026-11-05, after its changes following the 4 November rise","source_url":"https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/PL_securedfixed","source_snapshot":"/au/finance/car-loans/v1/source/newcastle-permanent/PL_securedfixed.json","bank_last_updated":"2026-08-25T00:00:00+10:00","est_monthly_repayment":293.42,"est_total_interest":2605,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":8,"brand":"Queensland Country Bank","brand_label":"Queensland Country Bank","brand_slug":"queensland-country-bank","product_id":"26","product_name":"Personal Loan-Secured New Car","product_label":"Personal Loan-Secured New Car","product_url":"https://www.queenslandcountry.bank/banking/personal-loans/new-car-loan/","terms_url":"https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf","car_loan_basis":"name","rate_kind":"variable","lending_rate_type":"VARIABLE","fixed_months":null,"kind":"variable","vehicles":["new","green"],"vehicle_age_min":null,"vehicle_age_max":null,"max_vehicle_age_months":null,"vehicle_age_quote":null,"security":"secured","term_min_months":null,"term_max_months":null,"rate":0.0624,"rate_pct":6.24,"rate_published_pct":6.24,"rate_unreliable":false,"comparison_rate":0.0688,"comparison_rate_pct":6.88,"comparison_basis":{"amount":30000.0,"term_months":60},"rate_max_pct":null,"comparison_rate_max_pct":null,"risk_based":false,"credit_band":null,"loan_min":null,"loan_max":null,"max_lvr":null,"redraw":true,"annual_fee":60.0,"upfront_fees":150.0,"restrictions":["special_offer"],"conditions":["new vehicles only","special offer, may end without notice","the special rate is for new or demo cars only; cars up to 5 years old pay 7.74%","borrow up to $150,000","loan terms of up to 7 years"],"record_stale":false,"record_correction":null,"source_url":"https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/26","source_snapshot":"/au/finance/car-loans/v1/source/queensland-country-bank/26.json","bank_last_updated":"2026-11-13T00:00:23.8091263Z","est_monthly_repayment":291.67,"est_total_interest":2500,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":9,"brand":"Broken Hill Bank","brand_label":"Broken Hill Bank","brand_slug":"broken-hill-bank","product_id":"38","product_name":"L37 Car Loan","product_label":"L37 Car 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4 years old, minimum $10,000, $280 fee","$280 establishment fee","12 months to 7 years (special offer)","no penalty for paying out early (special offer)","special offer: vehicle up to 4 years old from year of manufacture, used as security"],"record_stale":false,"record_correction":"confirmed on the bank's website on 2026-10-18, where the special offer's terms are dated January 2025: vehicles up to 4 years old, minimum $10,000, $280 fee","source_url":"https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/38","source_snapshot":"/au/finance/car-loans/v1/source/broken-hill-bank/38.json","bank_last_updated":"2026-06-11T04:00:17.6722147Z","est_monthly_repayment":293.42,"est_total_interest":2605,"repayment_term_months":60,"repayment_basis":"60 months at the rate, before fees"},{"rank":10,"brand":"BCU Bank","brand_label":"BCU Bank","brand_slug":"bcu-bank","product_id":"189","product_name":"New Car Loan","product_label":"New Car 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