{ "vehicle": "new", "kind": "any", "loan": 30000, "term_months": 60, "generated_at": "2026-11-13T01:35:04Z", "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.", "before_answering": "https://deepalmanac.com/au/finance/car-loans/v1/questions.json lists what to ask the reader first (new, used or green car; fixed or variable; loan amount), and what is most often misread here: rates that depend on credit history, the comparison rate, stale records, broker-only rates, lenders open only to certain occupations and vehicle age limits (vehicle_age_max in years; max_vehicle_age_months and the lender's sentence, vehicle_age_quote, in the best/ files: ask the age of the car before quoting a rate that has one). Not every car lender is covered.", "entries": [ { "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 Loan", "product_url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 3, "max_vehicle_age_months": 36, "vehicle_age_quote": "Comparison rate Apply Online Learn more Features & fees Vehicles up to 36 months old", "security": null, "term_min_months": null, "term_max_months": 60, "rate": 0.0579, "rate_pct": 5.79, "rate_published_pct": 5.79, "rate_unreliable": false, "comparison_rate": 0.0579, "comparison_rate_pct": 5.79, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 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": 577.06, "est_total_interest": 4624, "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 Loan", "product_url": "https://move.bank/loans/car-loans/car-loan-fixed-rate", "terms_url": "https://move.bank/about-us/conditions-of-use", "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": 20, "max_vehicle_age_months": 240, "vehicle_age_quote": "Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.", "security": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0609, "rate_pct": 6.09, "rate_published_pct": 6.09, "rate_unreliable": false, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "vehicles up to 20 years 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": 581.24, "est_total_interest": 4874, "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 Loan", "product_url": "https://www.greater.com.au/personal/personal-loans/new-car-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "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": 0.0663, "comparison_rate_pct": 6.63, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 275.0, "restrictions": [], "conditions": [ "new vehicles only" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3265", "source_snapshot": "/au/finance/car-loans/v1/source/greater-bank/3265.json", "bank_last_updated": "2026-11-04T13:00:00Z", "est_monthly_repayment": 583.34, "est_total_interest": 5000, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 4, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L38_NEWCARLOANFIXEDSPECIAL", "product_name": "NEW CAR LOAN FIXED", "product_label": "New Car Loan Fixed", "product_url": "https://themaccu.com.au/car-personal-loans/car-loan/new-car-loan/", "terms_url": "https://themaccu.com.au/about-us/corporate-information/the-fine-print/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0629, "rate_pct": 6.29, "rate_published_pct": 6.29, "rate_unreliable": false, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "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)", "new 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": 584.04, "est_total_interest": 5042, "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 vehicles" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/PL-2-1", "source_snapshot": "/au/finance/car-loans/v1/source/imb-bank/PL-2-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 7, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "PL_securedfixed", "product_name": "Secured Personal Loan & Car Loan", "product_label": "Secured Personal Loan & Car 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": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 8, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "acc16605-491c-4908-84a2-0f3baedbc397", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://www.heritage.com.au/loans/personal-loans/car-loan", "terms_url": "https://www.heritage.com.au/inbound/brochures/lending-terms-and-conditions", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale", "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": true, "credit_band": null, "loan_min": 20000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": 0.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-18", "vehicles up to 10 years old", "Rate depends on your credit history", "also finances caravans and motorbikes" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-18", "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/acc16605-491c-4908-84a2-0f3baedbc397", "source_snapshot": "/au/finance/car-loans/v1/source/people-first-and-heritage-bank/acc16605-491c-4908-84a2-0f3baedbc397.json", "bank_last_updated": "2026-06-04T00:02:49.658Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 9, "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": 583.34, "est_total_interest": 5000, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 10, "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 Loan", "product_url": "https://brokenhill.bank/car-loans", "terms_url": "https://brokenhill.bank/car-loans", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 4, "max_vehicle_age_months": 48, "vehicle_age_quote": "a car, caravan or motorcycle up to 4 years old from year of manufacture (currently fro", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0649, "rate_pct": 6.49, "rate_published_pct": 6.49, "rate_unreliable": false, "comparison_rate": 0.0688, "comparison_rate_pct": 6.88, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 100000.0, "max_lvr": 100.0, "redraw": true, "annual_fee": null, "upfront_fees": 985.0, "restrictions": [], "conditions": [ "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", "$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": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 11, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "189", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.bcu.com.au/personal-loans/secured-personal-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/personal-loans-terms--conditions/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Secure your loan with a car up to seven years old, or a new motorbike.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0674, "rate_pct": 6.74, "rate_published_pct": 6.74, "rate_unreliable": false, "comparison_rate": 0.0705, "comparison_rate_pct": 7.05, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 4000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "car up to 7 years old, or a new motorbike", "repayment periods of one to five years", "$20 goods security administration fee on secured loans" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/189", "source_snapshot": "/au/finance/car-loans/v1/source/bcu-bank/189.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z", "est_monthly_repayment": 590.36, "est_total_interest": 5422, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 12, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "aadcce4f-aab9-40ca-91ca-cd49ab3eaa63", "product_name": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured", "product_label": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured", "product_url": "https://www.bankfirst.com.au/loans/car-personal-loans/new-car", "terms_url": "https://www.bankfirst.com.au/disclosure-documents", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "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": 12, "term_max_months": 60, "rate": 0.0679, "rate_pct": 6.79, "rate_published_pct": 6.79, "rate_unreliable": false, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30 (rates effective 16 October 2026): a promotional 3-point discount the bank may withdraw; secured by the vehicle, though the feed's name says unsecured", "new vehicles only", "secured by a Goods Security Agreement over the vehicle", "$20 arrears fee at 7 days late", "loans up to 7 years", "break cost fee if paid out during the fixed rate period", "promotional rate (3% off standard) the bank may withdraw" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30 (rates effective 16 October 2026): a promotional 3-point discount the bank may withdraw; secured by the vehicle, though the feed's name says unsecured", "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63", "source_snapshot": "/au/finance/car-loans/v1/source/bank-first/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63.json", "bank_last_updated": "2026-08-28T01:09:04.107079Z", "est_monthly_repayment": 591.07, "est_total_interest": 5464, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 13, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "b238f9e7-e1eb-4c8c-8f64-d02f6156d81f", "product_name": "Driveaway Car Loan", "product_label": "Driveaway Car Loan", "product_url": "https://www.borderbank.com.au/loans/personal-loans", "terms_url": "https://www.borderbank.com.au/important-documents", "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0713, "comparison_rate_pct": 7.13, "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": true, "annual_fee": null, "upfront_fees": 98.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-05", "maximum $50,000 unsecured and $120,000 secured", "secured or unsecured" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05", "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/b238f9e7-e1eb-4c8c-8f64-d02f6156d81f", "source_snapshot": "/au/finance/car-loans/v1/source/border-bank/b238f9e7-e1eb-4c8c-8f64-d02f6156d81f.json", "bank_last_updated": "2026-08-28T02:56:19.936Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 14, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b", "product_name": "Driveaway Car Loan", "product_label": "Driveaway Car Loan", "product_url": "https://www.policebank.com.au/loans/car-loans/", "terms_url": "https://cdn.mediavalet.com/aunsw/policebank/TmJxZo5CSU2eo34NF07nOw/6vMMim6TXUOuJJiFlGn7xg/Original/PBL9_Car-Loan-TMD.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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0713, "comparison_rate_pct": 7.13, "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": true, "annual_fee": null, "upfront_fees": 98.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-05", "max $120,000 secured, $50,000 unsecured", "maximum term 7 years", "no monthly or annual account keeping fee" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05", "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b", "source_snapshot": "/au/finance/car-loans/v1/source/police-bank/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b.json", "bank_last_updated": "2026-09-06T23:59:49.593Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 15, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "508e1380-5d7f-4dfe-b49d-f6a7588e72d1", "product_name": "CAR LOAN", "product_label": "Car Loan", "product_url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/", "terms_url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "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": null, "term_max_months": null, "rate": 0.0648, "rate_pct": 6.48, "rate_published_pct": 6.48, "rate_unreliable": false, "comparison_rate": 0.0719, "comparison_rate_pct": 7.19, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": 60.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30; vehicles bought from a licensed dealer only", "vehicle from a licensed dealer only", "car loan terms 1 to 7 years" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; vehicles bought from a licensed dealer only", "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/508e1380-5d7f-4dfe-b49d-f6a7588e72d1", "source_snapshot": "/au/finance/car-loans/v1/source/auswide-bank-ltd/508e1380-5d7f-4dfe-b49d-f6a7588e72d1.json", "bank_last_updated": "2026-07-28T09:50:58.000+10:00", "est_monthly_repayment": 586.7, "est_total_interest": 5202, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 16, "brand": "ORANGE CREDIT UNION LTD", "brand_label": "Orange Credit Union", "brand_slug": "orange-credit-union-ltd", "product_id": "NEW_CAR_LOAN", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.bankorange.com.au/borrow/personal-loans/car-loan/", "terms_url": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/", "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": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Registrable vehicles less than 5 years of age only", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0689, "rate_pct": 6.89, "rate_published_pct": 6.89, "rate_unreliable": false, "comparison_rate": 0.0726, "comparison_rate_pct": 7.26, "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": 5000.0, "loan_max": 120000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 265.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30", "new vehicles only", "vehicles up to 5 years old", "up to 7 years", "new car, boat, caravan or motorcycle", "no penalty for early repayment" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30", "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/orange-credit-union-ltd/NEW_CAR_LOAN.json", "bank_last_updated": "2026-09-28T11:16:36.000+10:00", "est_monthly_repayment": 592.48, "est_total_interest": 5549, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 17, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://australianmilitarybank.com.au/car-and-personal-loans/car-and-personal-loans/car-loans/", "terms_url": "https://australianmilitarybank.com.au/disclosuredocuments/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 7, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Tailored rates available for cars, motorbikes, caravans and boats that are less than 5 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0635, "rate_pct": 6.35, "rate_published_pct": 6.35, "rate_unreliable": false, "comparison_rate": 0.0727, "comparison_rate_pct": 7.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 4000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30; $10 a month loan account fee", "vehicles up to 5 years old", "$150 loan processing fee", "$10 a month loan account fee ($120 a year)", "cars, motorbikes, caravans and boats less than 5 years old", "no fee for early repayment" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; $10 a month loan account fee", "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49", "source_snapshot": "/au/finance/car-loans/v1/source/australian-military-bank/cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49.json", "bank_last_updated": "2026-08-24T06:24:12.61565Z", "est_monthly_repayment": 584.88, "est_total_interest": 5093, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 18, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "Personal_Loan", "product_name": "Personal Loan", "product_label": "Personal Loan", "product_url": "https://bankofus.com.au/personal-loan-interest-rates", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "car_loan_basis": "rate_text", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 2, "max_vehicle_age_months": 24, "vehicle_age_quote": "VEHICLE PERSONAL LOAN - vehicle less than 2 years old", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0727, "comparison_rate_pct": 7.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle", "vehicles up to 2 years old", "secured vehicle loans cover car, motorcycle, boat, caravan and campervan" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle", "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Personal_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/bank-of-us/Personal_Loan.json", "bank_last_updated": "2026-06-04T08:08:29.000+10:00", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 19, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9", "product_name": "Accelerator Car Loan", "product_label": "Accelerator Car Loan", "product_url": "https://www.regionalaustraliabank.com.au/personal/products/personal-loans/accelerator-car-loan", "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Available for vehicles aged under 5 years.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.073, "comparison_rate_pct": 7.3, "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": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": 0.0, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 5 years old", "secured by a vehicle, motorcycle, boat or caravan", "maximum term 5 years" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9", "source_snapshot": "/au/finance/car-loans/v1/source/regional-australia-bank/0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9.json", "bank_last_updated": "2026-10-22T23:07:26.5987Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 20, "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "product_id": "Better_Car_Loan", "product_name": "Better Car Loan", "product_label": "Better Car Loan", "product_url": "https://www.policecu.com.au/product-type/car-loans/", "terms_url": "https://www.policecu.com.au/rates/", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.0714, "rate_pct": 7.14, "rate_published_pct": 7.14, "rate_unreliable": false, "comparison_rate": 0.0755, "comparison_rate_pct": 7.55, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 20000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-10: 7.14% fixed for the life of the loan, comparison 7.55% (the feed adds a variable 7.49% no page of the bank's gives); minimum $20,000 new borrowing", "Australian permanent resident aged over 18", "unlimited extra payments without penalty", "no monthly or annual fees", "this fixed rate is for amounts over $20,000", "new lending only", "any registrable vehicle including caravan, motorcycle, boat or trailer" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-10: 7.14% fixed for the life of the loan, comparison 7.55% (the feed adds a variable 7.49% no page of the bank's gives); minimum $20,000 new borrowing", "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Better_Car_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/police-credit-union-ltd/Better_Car_Loan.json", "bank_last_updated": "2026-11-09T12:24:20.000+10:30", "est_monthly_repayment": 596.02, "est_total_interest": 5761, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 21, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "374", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/", "terms_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/", "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0689, "rate_pct": 6.89, "rate_published_pct": 6.89, "rate_unreliable": false, "comparison_rate": 0.0766, "comparison_rate_pct": 7.66, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 250000.0, "max_lvr": null, "redraw": true, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "members only: membership is for Defence personnel of Australia and its allies, veterans and other Australians with an affinity to the Defence Force, and any Australian tax resident with an Australian address can join", "new or used cars and motorcycles up to and including five years old; an older vehicle needs a personal loan", "the loan must be secured by the vehicle; $6 security registration and $50 processing fees apply", "no loan application fee (the $150 personal loan application fee is not charged on car loans); $10 monthly loan service fee", "no fees for extra repayments or early payout" ], "record_stale": true, "record_correction": null, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/374", "source_snapshot": "/au/finance/car-loans/v1/source/defence-bank/374.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "est_monthly_repayment": 592.48, "est_total_interest": 5549, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 22, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L81_FASTROAD_NEW_CAR_LOAN", "product_name": "FASTROAD NEW CAR LOAN", "product_label": "Fastroad New Car Loan", "product_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/", "terms_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/", "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": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Drive away in your new car up to 5 years old with our New car Loan 7.39 % p.a.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0739, "rate_pct": 7.39, "rate_published_pct": 7.39, "rate_unreliable": false, "comparison_rate": 0.077, "comparison_rate_pct": 7.7, "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": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link", "new vehicles only", "vehicles up to 5 years old", "new car loan for vehicles 0 to 5 years old", "also available for caravans and RVs", "maximum term 7 years", "$220 establishment fee" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L81_FASTROAD_NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/tmcu/L81_FASTROAD_NEW_CAR_LOAN.json", "bank_last_updated": "2026-11-12T09:06:09.000+11:00", "est_monthly_repayment": 599.57, "est_total_interest": 5974, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 23, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Classic_Car_Loan_-_Secured_by_new_vehicle", "product_name": "Classic Car Loan - New Vehicle", "product_label": "Classic Car Loan - New Vehicle", "product_url": "https://www.cwcu.com.au/lending/car-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "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": 0.076, "rate_pct": 7.6, "rate_published_pct": 7.6, "rate_unreliable": false, "comparison_rate": 0.0782, "comparison_rate_pct": 7.82, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1.0, "loan_max": null, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-04-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only" ], "record_stale": true, "record_correction": null, "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Classic_Car_Loan_-_Secured_by_new_vehicle", "source_snapshot": "/au/finance/car-loans/v1/source/central-west-cul/Classic_Car_Loan_-_Secured_by_new_vehicle.json", "bank_last_updated": "2026-04-15T09:33:03.000+10:00", "est_monthly_repayment": 602.57, "est_total_interest": 6154, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 24, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "product_id": "VehicleLoan", "product_name": "Personal Loan", "product_label": "Personal Loan – Vehicle Loan", "product_url": "https://qbank.com.au/loans-credit-cards/personal-loans/", "terms_url": "https://www.qbank.com.au/other-content/general-information-terms-conditions/", "car_loan_basis": "rate_text", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.0724, "rate_pct": 7.24, "rate_published_pct": 7.24, "rate_unreliable": false, "comparison_rate": 0.0787, "comparison_rate_pct": 7.87, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": false, "annual_fee": 60.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "$195 loan funding fee", "New Car Loan: vehicles up to 5 years old", "Green Car Loan: vehicles up to 7 years old", "Car Loan: vehicles up to 10 years old", "New and Green rates need a $1,500 monthly salary credit", "cars, motorbikes, boats, caravans and jet skis", "up to 7 years", "no early repayment fees", "must be eligible to be a QBANK member" ], "record_stale": true, "record_correction": null, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/VehicleLoan", "source_snapshot": "/au/finance/car-loans/v1/source/qbank/VehicleLoan.json", "bank_last_updated": "2026-10-14T23:36:32.000+10:00", "est_monthly_repayment": 597.44, "est_total_interest": 5846, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 25, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/personal-loans/PersonalLoanTerms.pdf", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "$150 loan discharge fee if fully repaid in the first 12 months", "$100 loan discharge fee if fully repaid after 12 months and before the end of the term", "car 7 years old or less at loan application", "$6 PPSR fee for secured car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/bank-of-melbourne/BOMPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:09Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 26, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.banksa.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/personal-loans/bsa_personalloanterms.pdf", "car_loan_basis": "vehicle_secured", "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": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "car 7 years old or less at application", "car for personal use, imported by the manufacturer, never written off", "must hold a current Australian driver licence or learner's permit" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/banksa/BSAPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:10Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 27, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.stgeorge.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_personal_loan_terms.pdf", "car_loan_basis": "vehicle_secured", "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": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "$150 loan discharge fee if fully repaid in the first 12 months", "$100 loan discharge fee if fully repaid after 12 months and before the end of the term", "car 7 years old or less at loan application", "$6 PPSR fee for secured car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/st-george-bank/STGPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:09Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 28, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "PLCar", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://www.westpac.com.au/personal-loans/car-loan", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/personal-loans/p-l-contract-general-conditions.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "new vehicles only", "Rate depends on your credit history; up to 12.99%", "$175 prepayment fee on a term over 2 years paid out in under 2 years", "$15 missed payment fee", "car 7 years old or less at application", "imported by the manufacturer (no grey imports), personal use", "car is the security", "must hold a current Australian driver licence or learner permit" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/PLCar", "source_snapshot": "/au/finance/car-loans/v1/source/westpac/PLCar.json", "bank_last_updated": "2026-11-04T03:04:06Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 29, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L17_FIXNEWCAR_12", "product_name": "Fixed Rate Car Loan P&I <5Y", "product_label": "Fixed Rate Car Loan P&I <5Y", "product_url": "https://www.unity.bank/personal-loans/buy-a-car/find-and-finance-your-car/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Fixed Rate Car Loan P&I <5Y", "security": "secured", "term_min_months": null, "term_max_months": 84, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0801, "comparison_rate_pct": 8.01, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 5 years old" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L17_FIXNEWCAR_12", "source_snapshot": "/au/finance/car-loans/v1/source/unity-bank/L17_FIXNEWCAR_12.json", "bank_last_updated": "2026-07-01T15:05:43.000+10:00", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 30, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "ae1b4c9b-f09c-413f-9309-5ca857f992f0", "product_name": "Car & Motor Vehicle Loans", "product_label": "Car & Motor Vehicle Loans", "product_url": "https://www.capricornian.com.au/loans/personal-loan/personal-loans/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "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": 0.0768, "rate_pct": 7.68, "rate_published_pct": 7.68, "rate_unreliable": false, "comparison_rate": 0.0803, "comparison_rate_pct": 8.03, "comparison_basis": { "amount": 25000.0, "term_months": 60 }, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "the fully secured rate is for \"a brand new motor vehicle\"; the partially secured rate's \"used vehicle cannot be more than 7 years old\" (the record republished 2026-11-12 gives 7.68% and 10.19%, 0.25 above the page's rates effective 9 October 2026, still shown on 2026-11-13)", "new vehicles only", "fully secured rate: brand new vehicle", "motor vehicle, motorbike, boat, jet ski, caravan or motor home", "partially secured rate: used vehicle no more than 7 years old", "fully secured up to 7 years", "partially secured up to 5 years", "no early payout fees" ], "record_stale": false, "record_correction": "the fully secured rate is for \"a brand new motor vehicle\"; the partially secured rate's \"used vehicle cannot be more than 7 years old\" (the record republished 2026-11-12 gives 7.68% and 10.19%, 0.25 above the page's rates effective 9 October 2026, still shown on 2026-11-13)", "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/ae1b4c9b-f09c-413f-9309-5ca857f992f0", "source_snapshot": "/au/finance/car-loans/v1/source/the-capricornian/ae1b4c9b-f09c-413f-9309-5ca857f992f0.json", "bank_last_updated": "2026-11-12T20:00:00.453591Z", "est_monthly_repayment": 603.71, "est_total_interest": 6222, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 31, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "L32-CL-F", "product_name": "Car Loan - Fixed", "product_label": "Car Loan - Fixed", "product_url": "https://www.communityfirst.com.au/products/car-loan", "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": null, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "boats and jet skis that are up to 5 years old.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0724, "rate_pct": 7.24, "rate_published_pct": 7.24, "rate_unreliable": false, "comparison_rate": 0.0804, "comparison_rate_pct": 8.04, "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": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": 120.0, "upfront_fees": 249.0, "restrictions": [], "conditions": [ "vehicles up to 5 years old", "cars, electric vehicles, motorbikes, caravans, boats and jet skis", "loan terms 1 to 7 years", "vehicle age is the compliance plate date, not the build date", "borrower must have been in their current job more than 6 months", "early repayment fee applies on the fixed loan (amount in the fee schedule)" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L32-CL-F", "source_snapshot": "/au/finance/car-loans/v1/source/commfcu/L32-CL-F.json", "bank_last_updated": "2026-11-10T14:23:59.000+11:00", "est_monthly_repayment": 597.44, "est_total_interest": 5846, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 32, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "41", "product_name": "Low Rate Car Loan Special", "product_label": "Low Rate Car Loan Special", "product_url": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/", "terms_url": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": 84, "rate": 0.0704, "rate_pct": 7.04, "rate_published_pct": 7.04, "rate_unreliable": false, "comparison_rate": 0.0805, "comparison_rate_pct": 8.05, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": 105.0, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [ "special_offer" ], "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "special offer, may end without notice", "vehicles made in the current or previous two calendar years (not new only)", "cars, caravans, camper trailers and motorbikes", "$9 monthly loan fee", "borrow up to 100% of the purchase price" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/41", "source_snapshot": "/au/finance/car-loans/v1/source/beyond-bank-australia/41.json", "bank_last_updated": "2026-10-06T12:00:30.3824864Z", "est_monthly_repayment": 594.6, "est_total_interest": 5676, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 33, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "46", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan", "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "New or used cars (under five years old)", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0749, "rate_pct": 7.49, "rate_published_pct": 7.49, "rate_unreliable": false, "comparison_rate": 0.0815, "comparison_rate_pct": 8.15, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": 60.0, "upfront_fees": 175.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new or used cars under five years old", "also finances caravans, campervans, motorhomes and motorbikes" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/46", "source_snapshot": "/au/finance/car-loans/v1/source/summerland-bank/46.json", "bank_last_updated": "2026-10-22T02:00:41.2111231Z", "est_monthly_repayment": 601.0, "est_total_interest": 6060, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 34, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "4bf3ecbdf7b447ef97c815751377715d", "product_name": "Secured Fixed Rate Car Loan", "product_label": "Secured Fixed Rate Car Loan", "product_url": "https://www.commbank.com.au/personal-loans/secured-personal-loan.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/ADB2911.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 48, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "A Secured Fixed Rate Car Loan can be used for buying a new or used car that is ten years old or below that doesn't have any finance owing on it.", "security": "secured", "term_min_months": 48, "term_max_months": 48, "rate": 0.0679, "rate_pct": 6.79, "rate_published_pct": 6.79, "rate_unreliable": false, "comparison_rate": 0.082, "comparison_rate_pct": 8.2, "comparison_basis": null, "rate_max_pct": 11.29, "comparison_rate_max_pct": 12.65, "risk_based": true, "credit_band": null, "loan_min": 4000.0, "loan_max": 120000.0, "max_lvr": 120.0, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-09-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 10 years old", "loan term 48 months; comparison rates are quoted over 60", "Rate depends on your credit history; up to 11.29%", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "record_stale": true, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/4bf3ecbdf7b447ef97c815751377715d", "source_snapshot": "/au/finance/car-loans/v1/source/commbank/4bf3ecbdf7b447ef97c815751377715d.json", "bank_last_updated": "2026-09-30T23:33:59.000Z", "est_monthly_repayment": 715.47, "est_total_interest": 4342, "repayment_term_months": 48, "repayment_basis": "48 months at the rate, before fees: the loan's longest term, shorter than the usual 60" }, { "rank": 35, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Secured_Personal_Loan", "product_name": "Secured Personal Loan", "product_label": "Secured Personal Loan", "product_url": "https://www.themutual.com.au/borrow/personal-loans/secured-personal-loan/", "terms_url": "https://themutual.com.au/reusable-documents/target-market-determinations/secured-personal-loan-tmd/", "car_loan_basis": "vehicle_secured", "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": null, "term_max_months": null, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0827, "comparison_rate_pct": 8.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Secured_Personal_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/maitland-mutual-limited/Secured_Personal_Loan.json", "bank_last_updated": "2026-07-01T08:27:37.000+10:00", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 36, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL75F_BNC", "product_name": "Brand New Vehicle Loan", "product_label": "Brand New Vehicle Loan", "product_url": "https://www.nicu.com.au/personal-car-loans/car-loan", "terms_url": null, "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": "unsecured", "term_min_months": null, "term_max_months": null, "rate": 0.0774, "rate_pct": 7.74, "rate_published_pct": 7.74, "rate_unreliable": false, "comparison_rate": 0.083, "comparison_rate_pct": 8.3, "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": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": 96.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-05-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only" ], "record_stale": true, "record_correction": null, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL75F_BNC", "source_snapshot": "/au/finance/car-loans/v1/source/northern-inland-credit-union-limited/NICUL75F_BNC.json", "bank_last_updated": "2026-05-11T17:11:38.000+10:00", "est_monthly_repayment": 604.57, "est_total_interest": 6274, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 37, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "New_Car_Loan_for_cars_up_to_5_years_old", "product_name": "New Wheels Car Loan", "product_label": "New Wheels Car Loan", "product_url": "https://lcu.com.au/car-loans/", "terms_url": "https://lcu.com.au/disclosure-documents", "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": 1, "max_vehicle_age_months": 12, "vehicle_age_quote": "For new motor vehicles up to 1 year old", "security": null, "term_min_months": 12, "term_max_months": 120, "rate": 0.0805, "rate_pct": 8.05, "rate_published_pct": 8.05, "rate_unreliable": false, "comparison_rate": 0.0833, "comparison_rate_pct": 8.33, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 75000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "\"For new motor vehicles up to 1 year old\", whatever the record's product id says", "new vehicles only", "vehicles up to 1 year old", "new vehicles up to 1 year old", "$200 application fee" ], "record_stale": true, "record_correction": "\"For new motor vehicles up to 1 year old\", whatever the record's product id says", "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/New_Car_Loan_for_cars_up_to_5_years_old", "source_snapshot": "/au/finance/car-loans/v1/source/laboratories-credit-union/New_Car_Loan_for_cars_up_to_5_years_old.json", "bank_last_updated": "2026-07-06T23:41:06.000+10:00", "est_monthly_repayment": 609.01, "est_total_interest": 6541, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 38, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "568", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=personal-loan", "terms_url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/bank/forms-and-documents/documents/legal-and-corporate/general-terms-and-conditions-personal-loans-and-overdraft-facilities-effective-12-august-2025-v2.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": null, "term_max_months": 60, "rate": 0.0819, "rate_pct": 8.19, "rate_published_pct": 8.19, "rate_unreliable": false, "comparison_rate": 0.0836, "comparison_rate_pct": 8.36, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$120 document preparation fee" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/568", "source_snapshot": "/au/finance/car-loans/v1/source/racq-bank/568.json", "bank_last_updated": "2026-07-08T21:55:57Z", "est_monthly_repayment": 611.02, "est_total_interest": 6661, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 39, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_PER_320S_Online", "product_name": "Online-only Special Fixed Rate Personal Loan", "product_label": "Online-only Special Fixed Rate Personal Loan", "product_url": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/personal-loans/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1032-Personal-loan-Int-rates.pdf", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "This product is available when secured by a new or used vehicle aged 5 years and less.", "security": "secured", "term_min_months": null, "term_max_months": 84, "rate": 0.0794, "rate_pct": 7.94, "rate_published_pct": 7.94, "rate_unreliable": false, "comparison_rate": 0.0843, "comparison_rate_pct": 8.43, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 15000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 350.0, "restrictions": [ "special_offer", "online_only" ], "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", "vehicles up to 5 years old", "secured personal loan: the vehicle is the security", "special offer, may end without notice", "online applications only", "$90 security processing fee when secured by a motor vehicle", "fixed for the life of the loan, up to 7 years", "new or used vehicle under 5 years old" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_PER_320S_Online", "source_snapshot": "/au/finance/car-loans/v1/source/credit-union-sa/CREDITUNIONSA_PER_320S_Online.json", "bank_last_updated": "2026-10-15T00:00:00.000+11:00", "est_monthly_repayment": 607.43, "est_total_interest": 6446, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 40, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L60_L600001", "product_name": "Fixed Personal Car Loan", "product_label": "Fixed Personal Car Loan", "product_url": "https://horizonbank.com.au/loans/car-loans/popular-car-loans/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0824, "rate_pct": 8.24, "rate_published_pct": 8.24, "rate_unreliable": false, "comparison_rate": 0.0846, "comparison_rate_pct": 8.46, "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": 1000.0, "loan_max": null, "max_lvr": 100.0, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "loan term up to 5 years", "no penalty for early payoff" ], "record_stale": false, "record_correction": null, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L60_L600001", "source_snapshot": "/au/finance/car-loans/v1/source/horizon-bank/L60_L600001.json", "bank_last_updated": "2026-11-04T11:07:08.000+11:00", "est_monthly_repayment": 611.74, "est_total_interest": 6705, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 41, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "65", "product_name": "Fixed Secured Personal Loan", "product_label": "Fixed Secured Personal Loan", "product_url": "https://www.pnbank.com.au/personal-loans/secured/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/personal-loans/", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Personal loan secured by a car up to seven years old.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0865, "comparison_rate_pct": 8.65, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 199.0, "restrictions": [], "conditions": [ "secured personal loan: the vehicle is the security", "$5 monthly maintenance fee", "$20 goods security administration fee", "secured by a car up to 7 years old", "terms of 1 to 7 years", "no fees or penalties for paying off early" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/65", "source_snapshot": "/au/finance/car-loans/v1/source/p-n-bank/65.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 42, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "NEW_VEHICLE_LOAN", "product_name": "NEW VEHICLE LOAN", "product_label": "New Vehicle Loan", "product_url": "https://www.sccu.com.au/new-vehicle-loan/", "terms_url": "https://www.sccu.com.au/personal-loan-contract-terms-and-conditions/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0824, "rate_pct": 8.24, "rate_published_pct": 8.24, "rate_unreliable": false, "comparison_rate": 0.0915, "comparison_rate_pct": 9.15, "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": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-06-09, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "break cost fee if repaid or extra repayment made while the rate is fixed", "$5,000 to $150,000", "3 to 7 years", "$250 establishment fee and $8 monthly fee", "new or demonstrator vehicle only", "vehicle is the security", "not available through broker-introduced business" ], "record_stale": true, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/NEW_VEHICLE_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/southern-cross-credit-union/NEW_VEHICLE_LOAN.json", "bank_last_updated": "2026-06-09T11:05:53.000+10:00", "est_monthly_repayment": 611.74, "est_total_interest": 6705, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 43, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS", "product_name": "AUTO LOANS", "product_label": "Auto Loans – New Auto Loan Secured Fixed Principal and Interest 36 Months", "product_url": null, "terms_url": "https://www.ddbank.com.au/about/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "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": 0.0849, "rate_pct": 8.49, "rate_published_pct": 8.49, "rate_unreliable": false, "comparison_rate": 0.0919, "comparison_rate_pct": 9.19, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 50000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "$250 establishment fee on the bank's auto loans page (feed says $150)", "$7.50 monthly service fee", "terms of 1 to 5 years", "no fixed loan break fee; early payout without penalty", "new car, motorbike or motorhome" ], "record_stale": true, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS", "source_snapshot": "/au/finance/car-loans/v1/source/darling-downs-bank/L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS.json", "bank_last_updated": "2026-10-02T13:28:16.000+10:00", "est_monthly_repayment": 615.35, "est_total_interest": 6921, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 44, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "42", "product_name": "Personal Car Loan", "product_label": "Personal Car Loan", "product_url": "https://www.coastline.com.au/personal/personal-and-car-loans", "terms_url": "https://www.coastline.com.au/conditions-of-use/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 2, "max_vehicle_age_months": 24, "vehicle_age_quote": "USER-INPUT-RATE/MV<=2YO VEHICLE 2YO OR LESS", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0875, "rate_pct": 8.75, "rate_published_pct": 8.75, "rate_unreliable": false, "comparison_rate": 0.0933, "comparison_rate_pct": 9.33, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 305.0, "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", "vehicles up to 2 years old", "$300 loan establishment fee for new and increased car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/42", "source_snapshot": "/au/finance/car-loans/v1/source/coastline-bank/42.json", "bank_last_updated": "2026-10-15T02:00:14.6785664Z", "est_monthly_repayment": 619.12, "est_total_interest": 7147, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 45, "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "product_id": "8397effe-4703-470d-afaf-093502021c10", "product_name": "Secured Fixed Rate Personal Loan", "product_label": "Secured Fixed Rate Personal Loan", "product_url": "https://www.alex.com.au/car-loan/", "terms_url": "https://www.alex.com.au/legal/secured-personal-loan-target-market-determination/", "car_loan_basis": "rate_text", "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": null, "term_max_months": 84, "rate": 0.0939, "rate_pct": 9.39, "rate_published_pct": 9.39, "rate_unreliable": false, "comparison_rate": 0.101, "comparison_rate_pct": 10.1, "comparison_basis": null, "rate_max_pct": 17.39, "comparison_rate_max_pct": null, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 100000.0, "max_lvr": 120.0, "redraw": false, "annual_fee": null, "upfront_fees": 495.0, "restrictions": [], "conditions": [ "Rate depends on your credit history; up to 17.39%", "dealer purchases only (no private sales)", "vehicle no older than 15 years at the end of the loan", "cars only: not vans, trucks, buses or motorbikes", "terms of 1 to 7 years", "no early repayment fee", "Australian citizen or permanent resident with a current driver licence" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/8397effe-4703-470d-afaf-093502021c10", "source_snapshot": "/au/finance/car-loans/v1/source/alex-bank/8397effe-4703-470d-afaf-093502021c10.json", "bank_last_updated": "2026-11-04T13:01:10Z", "est_monthly_repayment": 628.44, "est_total_interest": 7707, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 46, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "L15_NEW_CAR_LOAN", "product_name": "NEW CAR LOAN", "product_label": "New Car Loan", "product_url": "https://firstoptionbank.com.au/car-loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.1099, "rate_pct": 10.99, "rate_published_pct": 10.99, "rate_unreliable": false, "comparison_rate": 0.1124, "comparison_rate_pct": 11.24, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 15000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 175.0, "restrictions": [], "conditions": [ "not updated by the bank since 2025-01-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "personal and light commercial vehicles, new and used", "vehicles aged up to 7 years (older vehicles can be considered)", "loan terms up to 7 years", "no early payout penalty", "$10 redraw fee" ], "record_stale": true, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/L15_NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/first-option-bank/L15_NEW_CAR_LOAN.json", "bank_last_updated": "2025-01-08T10:19:15.000+11:00", "est_monthly_repayment": 652.12, "est_total_interest": 9127, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 47, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "4ab135c2-2407-40cf-b272-3ade65698076", "product_name": "Flexible car loan", "product_label": "Flexible Car Loan", "product_url": "https://liberty.com.au/car-loans/flexible-car-loans", "terms_url": null, "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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": 24, "term_max_months": 84, "rate": 0.0979, "rate_pct": 9.79, "rate_published_pct": 9.79, "rate_unreliable": false, "comparison_rate": 0.1144, "comparison_rate_pct": 11.44, "comparison_basis": { "amount": 30000.0, "term_months": 60 }, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": true, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "Rate depends on your credit history", "$125 discharge fee; break costs may apply", "$125 discharge fee", "maximum $25,000 for applicants under 23", "higher rate where loan-to-value ratio is above 120%", "maximum vehicle age at the end of the term is 8 years with a balloon payment" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/4ab135c2-2407-40cf-b272-3ade65698076", "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/4ab135c2-2407-40cf-b272-3ade65698076.json", "bank_last_updated": "2026-11-10T13:00:00Z", "est_monthly_repayment": 634.32, "est_total_interest": 8059, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" } ], "entries_all": [ { "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 Loan", "product_url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/", "terms_url": "https://www.swsbank.com.au/help-support/important-information/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 3, "max_vehicle_age_months": 36, "vehicle_age_quote": "Comparison rate Apply Online Learn more Features & fees Vehicles up to 36 months old", "security": null, "term_min_months": null, "term_max_months": 60, "rate": 0.0579, "rate_pct": 5.79, "rate_published_pct": 5.79, "rate_unreliable": false, "comparison_rate": 0.0579, "comparison_rate_pct": 5.79, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 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": 577.06, "est_total_interest": 4624, "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 Loan", "product_url": "https://move.bank/loans/car-loans/car-loan-fixed-rate", "terms_url": "https://move.bank/about-us/conditions-of-use", "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": 20, "max_vehicle_age_months": 240, "vehicle_age_quote": "Maximum loan amount is $150,000 for vehicles aged 3 years or under, or $75,000 for vehicles aged over 3 up to 20 years.", "security": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0609, "rate_pct": 6.09, "rate_published_pct": 6.09, "rate_unreliable": false, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "vehicles up to 20 years 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": 581.24, "est_total_interest": 4874, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 3, "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "product_id": "16a3b2aa-1e82-11f1-beeb-325096b39f47", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/", "terms_url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our car loan you can purchase or refinance the vehicle of your dreams, whether it's a new or used vehicle up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0619, "rate_pct": 6.19, "rate_published_pct": 6.19, "rate_unreliable": false, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 80000, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "vehicles up to 10 years old", "Membership limited to citizens of Australia over age of 18 and are current or retired employees or volunteers in Education, Health Care or Emergency Services sectors or are family members of members (i.e. shareholders) of… (the lender's words)", "can also finance towable caravans, boats, motorcycles and classic cars", "loan term from 3 to 6 years", "maximum loan $80,000 on the bank's page (not $100,000)", "break cost, charged at cost, if repaid early during the fixed rate period" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/16a3b2aa-1e82-11f1-beeb-325096b39f47", "source_snapshot": "/au/finance/car-loans/v1/source/australian-mutual-bank-ltd/16a3b2aa-1e82-11f1-beeb-325096b39f47.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00", "est_monthly_repayment": 582.64, "est_total_interest": 4958, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 4, "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "product_id": "b0dae6e7-bd2e-4993-9102-3151568abed1", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://www.fmbank.com.au/personal-loans/car-loans", "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0619, "rate_pct": 6.19, "rate_published_pct": 6.19, "rate_unreliable": false, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 80000, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "vehicles up to 10 years old", "Membership limited to current or retired employees of, or current volunteers with, a fire and/or emergency service and their families (the lender's words)" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/b0dae6e7-bd2e-4993-9102-3151568abed1", "source_snapshot": "/au/finance/car-loans/v1/source/firefighters-mutual-bank/b0dae6e7-bd2e-4993-9102-3151568abed1.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00", "est_monthly_repayment": 582.64, "est_total_interest": 4958, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 5, "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "product_id": "98a3d08f-3c77-430e-9bfa-29a9a12fdcf9", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://www.hpbank.com.au/personal-loans/car-loans", "terms_url": "https://www.hpbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0619, "rate_pct": 6.19, "rate_published_pct": 6.19, "rate_unreliable": false, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 80000, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "vehicles up to 10 years old", "Membership limited to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector or are family members of members (i.e. shareholders) of the Bank (the lender's words)", "break cost, charged at cost, if repaid early during the fixed rate period" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/98a3d08f-3c77-430e-9bfa-29a9a12fdcf9", "source_snapshot": "/au/finance/car-loans/v1/source/health-professionals-bank/98a3d08f-3c77-430e-9bfa-29a9a12fdcf9.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00", "est_monthly_repayment": 582.64, "est_total_interest": 4958, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 6, "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "product_id": "be4cb43a-6901-450f-8b03-1d44a18e440b", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://www.tmbank.com.au/personal-loans/car-loans", "terms_url": "https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0619, "rate_pct": 6.19, "rate_published_pct": 6.19, "rate_unreliable": false, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 80000, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "vehicles up to 10 years old", "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)", "cars, caravans, boats and motorcycles", "extra repayments on the fixed loan may incur a break cost", "fixed loan maximum $80,000", "fixed loan terms 3 to 6 years" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/be4cb43a-6901-450f-8b03-1d44a18e440b", "source_snapshot": "/au/finance/car-loans/v1/source/teachers-mutual-bank/be4cb43a-6901-450f-8b03-1d44a18e440b.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00", "est_monthly_repayment": 582.64, "est_total_interest": 4958, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 7, "brand": "UniBank", "brand_label": "UniBank", "brand_slug": "unibank", "product_id": "750449bb-9e64-4623-9cf4-f87f62aa5813", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://www.unibank.com.au/personal-loans/car-loans", "terms_url": "https://www.unibank.com.au/content/dam/documents/collateral/consumer-lending.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our Fixed Rate Car Loan you can borrow as little as $10,000 for a new or used vehicle up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0619, "rate_pct": 6.19, "rate_published_pct": 6.19, "rate_unreliable": false, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 80000, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "vehicles up to 10 years old", "Membership limited to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders) of the Bank (the lender's words)" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); the record, restamped 2026-11-11, is unchanged", "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/750449bb-9e64-4623-9cf4-f87f62aa5813", "source_snapshot": "/au/finance/car-loans/v1/source/unibank/750449bb-9e64-4623-9cf4-f87f62aa5813.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00", "est_monthly_repayment": 582.64, "est_total_interest": 4958, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 8, "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "product_id": "3265", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.greater.com.au/personal/personal-loans/new-car-loan", "terms_url": "https://www.greater.com.au/termsandconditions", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "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": 0.0663, "comparison_rate_pct": 6.63, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 275.0, "restrictions": [], "conditions": [ "new vehicles only" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3265", "source_snapshot": "/au/finance/car-loans/v1/source/greater-bank/3265.json", "bank_last_updated": "2026-11-04T13:00:00Z", "est_monthly_repayment": 583.34, "est_total_interest": 5000, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 9, "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "product_id": "L38_NEWCARLOANFIXEDSPECIAL", "product_name": "NEW CAR LOAN FIXED", "product_label": "New Car Loan Fixed", "product_url": "https://themaccu.com.au/car-personal-loans/car-loan/new-car-loan/", "terms_url": "https://themaccu.com.au/about-us/corporate-information/the-fine-print/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0629, "rate_pct": 6.29, "rate_published_pct": 6.29, "rate_unreliable": false, "comparison_rate": 0.0666, "comparison_rate_pct": 6.66, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "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)", "new 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": 584.04, "est_total_interest": 5042, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 10, "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "product_id": "18", "product_name": "L35 Chief Car Loan", "product_label": "L35 Chief Car Loan", "product_url": "https://www.fscu.com.au/loans/car-loan/", "terms_url": "https://www.fscu.com.au/loans/car-loan/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0649, "rate_pct": 6.49, "rate_published_pct": 6.49, "rate_unreliable": false, "comparison_rate": 0.0683, "comparison_rate_pct": 6.83, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 20000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 250.0, "restrictions": [ "occupation_membership" ], "conditions": [ "the Chief Car Loan is for a \"New or used vehicle purchase\"", "Membership limited by occupation: To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services (the lender's words)", "new or used vehicles", "maximum term 7 years", "also finances motorbikes, boats and caravans" ], "record_stale": false, "record_correction": "the Chief Car Loan is for a \"New or used vehicle purchase\"", "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/18", "source_snapshot": "/au/finance/car-loans/v1/source/fire-service-credit-union/18.json", "bank_last_updated": "2026-11-13T00:00:33.2778436Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 11, "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": 12, "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 vehicles" ], "record_stale": false, "record_correction": null, "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/PL-2-1", "source_snapshot": "/au/finance/car-loans/v1/source/imb-bank/PL-2-1.json", "bank_last_updated": "2026-11-13T00:00:00+11:00", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 13, "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "product_id": "PL_securedfixed", "product_name": "Secured Personal Loan & Car Loan", "product_label": "Secured Personal Loan & Car 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": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 14, "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "product_id": "acc16605-491c-4908-84a2-0f3baedbc397", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://www.heritage.com.au/loans/personal-loans/car-loan", "terms_url": "https://www.heritage.com.au/inbound/brochures/lending-terms-and-conditions", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale", "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": true, "credit_band": null, "loan_min": 20000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": 0.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-18", "vehicles up to 10 years old", "Rate depends on your credit history", "also finances caravans and motorbikes" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-18", "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/acc16605-491c-4908-84a2-0f3baedbc397", "source_snapshot": "/au/finance/car-loans/v1/source/people-first-and-heritage-bank/acc16605-491c-4908-84a2-0f3baedbc397.json", "bank_last_updated": "2026-06-04T00:02:49.658Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 15, "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": 583.34, "est_total_interest": 5000, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 16, "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 Loan", "product_url": "https://brokenhill.bank/car-loans", "terms_url": "https://brokenhill.bank/car-loans", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "DISCOUNT", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 4, "max_vehicle_age_months": 48, "vehicle_age_quote": "a car, caravan or motorcycle up to 4 years old from year of manufacture (currently fro", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0649, "rate_pct": 6.49, "rate_published_pct": 6.49, "rate_unreliable": false, "comparison_rate": 0.0688, "comparison_rate_pct": 6.88, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": 100000.0, "max_lvr": 100.0, "redraw": true, "annual_fee": null, "upfront_fees": 985.0, "restrictions": [], "conditions": [ "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", "$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": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 17, "brand": "Woolworths Team Bank", "brand_label": "Woolworths Team Bank", "brand_slug": "woolworths-team-bank", "product_id": "New_Car_Loan", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://woolworthsteambank.com.au/car-loans/", "terms_url": "https://woolworthsteambank.com.au", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.0649, "rate_pct": 6.49, "rate_published_pct": 6.49, "rate_unreliable": false, "comparison_rate": 0.0693, "comparison_rate_pct": 6.93, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 2000.0, "loan_max": null, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": null, "restrictions": [ "occupation_membership" ], "conditions": [ "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-11-26; members only", "new vehicles only", "Membership limited to Woolworths Group and Endeavour Group team members and their families (the bank's membership form)", "$299 establishment fee", "no penalty for early repayment", "$2,000 minimum; $100,000 maximum for a new vehicle", "up to 7 years for new cars", "demonstrators under 5,000 km count as new", "secured by a bill of sale over the vehicle" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-11-26; members only", "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/New_Car_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/woolworths-team-bank/New_Car_Loan.json", "bank_last_updated": "2025-11-26T09:09:35.000+11:00", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 18, "brand": "BCU Bank", "brand_label": "BCU Bank", "brand_slug": "bcu-bank", "product_id": "189", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.bcu.com.au/personal-loans/secured-personal-loan/", "terms_url": "https://www.bcu.com.au/important-information/terms-and-conditions/personal-loans-terms--conditions/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Secure your loan with a car up to seven years old, or a new motorbike.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0674, "rate_pct": 6.74, "rate_published_pct": 6.74, "rate_unreliable": false, "comparison_rate": 0.0705, "comparison_rate_pct": 7.05, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 4000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "car up to 7 years old, or a new motorbike", "repayment periods of one to five years", "$20 goods security administration fee on secured loans" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/189", "source_snapshot": "/au/finance/car-loans/v1/source/bcu-bank/189.json", "bank_last_updated": "2026-11-13T00:00:41.2804876Z", "est_monthly_repayment": 590.36, "est_total_interest": 5422, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 19, "brand": "Bank First", "brand_label": "Bank First", "brand_slug": "bank-first", "product_id": "aadcce4f-aab9-40ca-91ca-cd49ab3eaa63", "product_name": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured", "product_label": "New Car Loan Personal Lending 1-5 Years Fixed Unsecured", "product_url": "https://www.bankfirst.com.au/loans/car-personal-loans/new-car", "terms_url": "https://www.bankfirst.com.au/disclosure-documents", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "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": 12, "term_max_months": 60, "rate": 0.0679, "rate_pct": 6.79, "rate_published_pct": 6.79, "rate_unreliable": false, "comparison_rate": 0.0706, "comparison_rate_pct": 7.06, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30 (rates effective 16 October 2026): a promotional 3-point discount the bank may withdraw; secured by the vehicle, though the feed's name says unsecured", "new vehicles only", "secured by a Goods Security Agreement over the vehicle", "$20 arrears fee at 7 days late", "loans up to 7 years", "break cost fee if paid out during the fixed rate period", "promotional rate (3% off standard) the bank may withdraw" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30 (rates effective 16 October 2026): a promotional 3-point discount the bank may withdraw; secured by the vehicle, though the feed's name says unsecured", "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63", "source_snapshot": "/au/finance/car-loans/v1/source/bank-first/aadcce4f-aab9-40ca-91ca-cd49ab3eaa63.json", "bank_last_updated": "2026-08-28T01:09:04.107079Z", "est_monthly_repayment": 591.07, "est_total_interest": 5464, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 20, "brand": "Border Bank", "brand_label": "Border Bank", "brand_slug": "border-bank", "product_id": "b238f9e7-e1eb-4c8c-8f64-d02f6156d81f", "product_name": "Driveaway Car Loan", "product_label": "Driveaway Car Loan", "product_url": "https://www.borderbank.com.au/loans/personal-loans", "terms_url": "https://www.borderbank.com.au/important-documents", "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0713, "comparison_rate_pct": 7.13, "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": true, "annual_fee": null, "upfront_fees": 98.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-05", "maximum $50,000 unsecured and $120,000 secured", "secured or unsecured" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05", "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/b238f9e7-e1eb-4c8c-8f64-d02f6156d81f", "source_snapshot": "/au/finance/car-loans/v1/source/border-bank/b238f9e7-e1eb-4c8c-8f64-d02f6156d81f.json", "bank_last_updated": "2026-08-28T02:56:19.936Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 21, "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "product_id": "ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b", "product_name": "Driveaway Car Loan", "product_label": "Driveaway Car Loan", "product_url": "https://www.policebank.com.au/loans/car-loans/", "terms_url": "https://cdn.mediavalet.com/aunsw/policebank/TmJxZo5CSU2eo34NF07nOw/6vMMim6TXUOuJJiFlGn7xg/Original/PBL9_Car-Loan-TMD.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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0713, "comparison_rate_pct": 7.13, "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": true, "annual_fee": null, "upfront_fees": 98.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-05", "max $120,000 secured, $50,000 unsecured", "maximum term 7 years", "no monthly or annual account keeping fee" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05", "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b", "source_snapshot": "/au/finance/car-loans/v1/source/police-bank/ba7b3bf0-e696-48d9-ae1e-40cc73e33f2b.json", "bank_last_updated": "2026-09-06T23:59:49.593Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 22, "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "product_id": "508e1380-5d7f-4dfe-b49d-f6a7588e72d1", "product_name": "CAR LOAN", "product_label": "Car Loan", "product_url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/", "terms_url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "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": null, "term_max_months": null, "rate": 0.0648, "rate_pct": 6.48, "rate_published_pct": 6.48, "rate_unreliable": false, "comparison_rate": 0.0719, "comparison_rate_pct": 7.19, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": 60.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30; vehicles bought from a licensed dealer only", "vehicle from a licensed dealer only", "car loan terms 1 to 7 years" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; vehicles bought from a licensed dealer only", "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/508e1380-5d7f-4dfe-b49d-f6a7588e72d1", "source_snapshot": "/au/finance/car-loans/v1/source/auswide-bank-ltd/508e1380-5d7f-4dfe-b49d-f6a7588e72d1.json", "bank_last_updated": "2026-07-28T09:50:58.000+10:00", "est_monthly_repayment": 586.7, "est_total_interest": 5202, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 23, "brand": "ORANGE CREDIT UNION LTD", "brand_label": "Orange Credit Union", "brand_slug": "orange-credit-union-ltd", "product_id": "NEW_CAR_LOAN", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.bankorange.com.au/borrow/personal-loans/car-loan/", "terms_url": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/", "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": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Registrable vehicles less than 5 years of age only", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0689, "rate_pct": 6.89, "rate_published_pct": 6.89, "rate_unreliable": false, "comparison_rate": 0.0726, "comparison_rate_pct": 7.26, "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": 5000.0, "loan_max": 120000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 265.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30", "new vehicles only", "vehicles up to 5 years old", "up to 7 years", "new car, boat, caravan or motorcycle", "no penalty for early repayment" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30", "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/orange-credit-union-ltd/NEW_CAR_LOAN.json", "bank_last_updated": "2026-09-28T11:16:36.000+10:00", "est_monthly_repayment": 592.48, "est_total_interest": 5549, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 24, "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "product_id": "cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://australianmilitarybank.com.au/car-and-personal-loans/car-and-personal-loans/car-loans/", "terms_url": "https://australianmilitarybank.com.au/disclosuredocuments/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 7, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Tailored rates available for cars, motorbikes, caravans and boats that are less than 5 years old.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0635, "rate_pct": 6.35, "rate_published_pct": 6.35, "rate_unreliable": false, "comparison_rate": 0.0727, "comparison_rate_pct": 7.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 4000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30; $10 a month loan account fee", "vehicles up to 5 years old", "$150 loan processing fee", "$10 a month loan account fee ($120 a year)", "cars, motorbikes, caravans and boats less than 5 years old", "no fee for early repayment" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; $10 a month loan account fee", "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49", "source_snapshot": "/au/finance/car-loans/v1/source/australian-military-bank/cc94a9c9-1aa1-4098-bad2-e62aa3fbfb49.json", "bank_last_updated": "2026-08-24T06:24:12.61565Z", "est_monthly_repayment": 584.88, "est_total_interest": 5093, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 25, "brand": "Bank of us", "brand_label": "Bank of us", "brand_slug": "bank-of-us", "product_id": "Personal_Loan", "product_name": "Personal Loan", "product_label": "Personal Loan", "product_url": "https://bankofus.com.au/personal-loan-interest-rates", "terms_url": "https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf", "car_loan_basis": "rate_text", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 2, "max_vehicle_age_months": 24, "vehicle_age_quote": "VEHICLE PERSONAL LOAN - vehicle less than 2 years old", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.0727, "comparison_rate_pct": 7.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle", "vehicles up to 2 years old", "secured vehicle loans cover car, motorcycle, boat, caravan and campervan" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30 (rates effective 1 June 2026): secured by the vehicle", "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Personal_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/bank-of-us/Personal_Loan.json", "bank_last_updated": "2026-06-04T08:08:29.000+10:00", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 26, "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "product_id": "0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9", "product_name": "Accelerator Car Loan", "product_label": "Accelerator Car Loan", "product_url": "https://www.regionalaustraliabank.com.au/personal/products/personal-loans/accelerator-car-loan", "terms_url": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Available for vehicles aged under 5 years.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0699, "rate_pct": 6.99, "rate_published_pct": 6.99, "rate_unreliable": false, "comparison_rate": 0.073, "comparison_rate_pct": 7.3, "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": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": 0.0, "upfront_fees": 195.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 5 years old", "secured by a vehicle, motorcycle, boat or caravan", "maximum term 5 years" ], "record_stale": true, "record_correction": null, "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9", "source_snapshot": "/au/finance/car-loans/v1/source/regional-australia-bank/0ce5a6c9-83c3-48ae-9574-e7a6247ab0d9.json", "bank_last_updated": "2026-10-22T23:07:26.5987Z", "est_monthly_repayment": 593.89, "est_total_interest": 5634, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 27, "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "product_id": "Better_Car_Loan", "product_name": "Better Car Loan", "product_label": "Better Car Loan", "product_url": "https://www.policecu.com.au/product-type/car-loans/", "terms_url": "https://www.policecu.com.au/rates/", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.0714, "rate_pct": 7.14, "rate_published_pct": 7.14, "rate_unreliable": false, "comparison_rate": 0.0755, "comparison_rate_pct": 7.55, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 20000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-10: 7.14% fixed for the life of the loan, comparison 7.55% (the feed adds a variable 7.49% no page of the bank's gives); minimum $20,000 new borrowing", "Australian permanent resident aged over 18", "unlimited extra payments without penalty", "no monthly or annual fees", "this fixed rate is for amounts over $20,000", "new lending only", "any registrable vehicle including caravan, motorcycle, boat or trailer" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-10: 7.14% fixed for the life of the loan, comparison 7.55% (the feed adds a variable 7.49% no page of the bank's gives); minimum $20,000 new borrowing", "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Better_Car_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/police-credit-union-ltd/Better_Car_Loan.json", "bank_last_updated": "2026-11-09T12:24:20.000+10:30", "est_monthly_repayment": 596.02, "est_total_interest": 5761, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 28, "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "product_id": "374", "product_name": "New Car Loan", "product_label": "New Car Loan", "product_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/", "terms_url": "https://www.defencebank.com.au/banking/personal-and-car-loans/car-loan/", "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0689, "rate_pct": 6.89, "rate_published_pct": 6.89, "rate_unreliable": false, "comparison_rate": 0.0766, "comparison_rate_pct": 7.66, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 250000.0, "max_lvr": null, "redraw": true, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "members only: membership is for Defence personnel of Australia and its allies, veterans and other Australians with an affinity to the Defence Force, and any Australian tax resident with an Australian address can join", "new or used cars and motorcycles up to and including five years old; an older vehicle needs a personal loan", "the loan must be secured by the vehicle; $6 security registration and $50 processing fees apply", "no loan application fee (the $150 personal loan application fee is not charged on car loans); $10 monthly loan service fee", "no fees for extra repayments or early payout" ], "record_stale": true, "record_correction": null, "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/374", "source_snapshot": "/au/finance/car-loans/v1/source/defence-bank/374.json", "bank_last_updated": "2026-10-14T00:00:00.000+11:00", "est_monthly_repayment": 592.48, "est_total_interest": 5549, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 29, "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "product_id": "L81_FASTROAD_NEW_CAR_LOAN", "product_name": "FASTROAD NEW CAR LOAN", "product_label": "Fastroad New Car Loan", "product_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/", "terms_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-new-car-loan/", "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": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Drive away in your new car up to 5 years old with our New car Loan 7.39 % p.a.", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0739, "rate_pct": 7.39, "rate_published_pct": 7.39, "rate_unreliable": false, "comparison_rate": 0.077, "comparison_rate_pct": 7.7, "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": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link", "new vehicles only", "vehicles up to 5 years old", "new car loan for vehicles 0 to 5 years old", "also available for caravans and RVs", "maximum term 7 years", "$220 establishment fee" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record republished 2026-11-12 changed only its fees page link", "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/L81_FASTROAD_NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/tmcu/L81_FASTROAD_NEW_CAR_LOAN.json", "bank_last_updated": "2026-11-12T09:06:09.000+11:00", "est_monthly_repayment": 599.57, "est_total_interest": 5974, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 30, "brand": "Central West CUL", "brand_label": "Central West Credit Union", "brand_slug": "central-west-cul", "product_id": "Classic_Car_Loan_-_Secured_by_new_vehicle", "product_name": "Classic Car Loan - New Vehicle", "product_label": "Classic Car Loan - New Vehicle", "product_url": "https://www.cwcu.com.au/lending/car-loans", "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use", "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": 0.076, "rate_pct": 7.6, "rate_published_pct": 7.6, "rate_unreliable": false, "comparison_rate": 0.0782, "comparison_rate_pct": 7.82, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1.0, "loan_max": null, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-04-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only" ], "record_stale": true, "record_correction": null, "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Classic_Car_Loan_-_Secured_by_new_vehicle", "source_snapshot": "/au/finance/car-loans/v1/source/central-west-cul/Classic_Car_Loan_-_Secured_by_new_vehicle.json", "bank_last_updated": "2026-04-15T09:33:03.000+10:00", "est_monthly_repayment": 602.57, "est_total_interest": 6154, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 31, "brand": "QBANK", "brand_label": "QBank", "brand_slug": "qbank", "product_id": "VehicleLoan", "product_name": "Personal Loan", "product_label": "Personal Loan – Vehicle Loan", "product_url": "https://qbank.com.au/loans-credit-cards/personal-loans/", "terms_url": "https://www.qbank.com.au/other-content/general-information-terms-conditions/", "car_loan_basis": "rate_text", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.0724, "rate_pct": 7.24, "rate_published_pct": 7.24, "rate_unreliable": false, "comparison_rate": 0.0787, "comparison_rate_pct": 7.87, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": false, "annual_fee": 60.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-14, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "$195 loan funding fee", "New Car Loan: vehicles up to 5 years old", "Green Car Loan: vehicles up to 7 years old", "Car Loan: vehicles up to 10 years old", "New and Green rates need a $1,500 monthly salary credit", "cars, motorbikes, boats, caravans and jet skis", "up to 7 years", "no early repayment fees", "must be eligible to be a QBANK member" ], "record_stale": true, "record_correction": null, "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/VehicleLoan", "source_snapshot": "/au/finance/car-loans/v1/source/qbank/VehicleLoan.json", "bank_last_updated": "2026-10-14T23:36:32.000+10:00", "est_monthly_repayment": 597.44, "est_total_interest": 5846, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 32, "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "product_id": "BOMPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.bankofmelbourne.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/personal-loans/PersonalLoanTerms.pdf", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "$150 loan discharge fee if fully repaid in the first 12 months", "$100 loan discharge fee if fully repaid after 12 months and before the end of the term", "car 7 years old or less at loan application", "$6 PPSR fee for secured car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/bank-of-melbourne/BOMPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:09Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 33, "brand": "BankSA", "brand_label": "BankSA", "brand_slug": "banksa", "product_id": "BSAPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.banksa.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.banksa.com.au/content/dam/bsa/downloads/personal/personal-loans/bsa_personalloanterms.pdf", "car_loan_basis": "vehicle_secured", "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": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "car 7 years old or less at application", "car for personal use, imported by the manufacturer, never written off", "must hold a current Australian driver licence or learner's permit" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSAPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/banksa/BSAPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:10Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 34, "brand": "St.George Bank", "brand_label": "St.George Bank", "brand_slug": "st-george-bank", "product_id": "STGPLSecuredFixed", "product_name": "Secured Fixed Personal Loan", "product_label": "Secured Fixed Personal Loan", "product_url": "https://www.stgeorge.com.au/personal/personal-loans/secured-loan", "terms_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/personal/personal-loans/stg_personal_loan_terms.pdf", "car_loan_basis": "vehicle_secured", "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": "Be 7 years old or less at the time of loan application", "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-28, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security", "Rate depends on your credit history; up to 12.99%", "$150 loan discharge fee if fully repaid in the first 12 months", "$100 loan discharge fee if fully repaid after 12 months and before the end of the term", "car 7 years old or less at loan application", "$6 PPSR fee for secured car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGPLSecuredFixed", "source_snapshot": "/au/finance/car-loans/v1/source/st-george-bank/STGPLSecuredFixed.json", "bank_last_updated": "2026-10-28T03:54:09Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 35, "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "product_id": "PLCar", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://www.westpac.com.au/personal-loans/car-loan", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/personal-loans/p-l-contract-general-conditions.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "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": 0.079, "comparison_rate_pct": 7.9, "comparison_basis": null, "rate_max_pct": 12.99, "comparison_rate_max_pct": 14.34, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 130000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "new vehicles only", "Rate depends on your credit history; up to 12.99%", "$175 prepayment fee on a term over 2 years paid out in under 2 years", "$15 missed payment fee", "car 7 years old or less at application", "imported by the manufacturer (no grey imports), personal use", "car is the security", "must hold a current Australian driver licence or learner permit" ], "record_stale": false, "record_correction": null, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/PLCar", "source_snapshot": "/au/finance/car-loans/v1/source/westpac/PLCar.json", "bank_last_updated": "2026-11-04T03:04:06Z", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 36, "brand": "Unity Bank", "brand_label": "Unity Bank", "brand_slug": "unity-bank", "product_id": "L17_FIXNEWCAR_12", "product_name": "Fixed Rate Car Loan P&I <5Y", "product_label": "Fixed Rate Car Loan P&I <5Y", "product_url": "https://www.unity.bank/personal-loans/buy-a-car/find-and-finance-your-car/", "terms_url": "https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Fixed Rate Car Loan P&I <5Y", "security": "secured", "term_min_months": null, "term_max_months": 84, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0801, "comparison_rate_pct": 8.01, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 5 years old" ], "record_stale": true, "record_correction": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L17_FIXNEWCAR_12", "source_snapshot": "/au/finance/car-loans/v1/source/unity-bank/L17_FIXNEWCAR_12.json", "bank_last_updated": "2026-07-01T15:05:43.000+10:00", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 37, "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "product_id": "ae1b4c9b-f09c-413f-9309-5ca857f992f0", "product_name": "Car & Motor Vehicle Loans", "product_label": "Car & Motor Vehicle Loans", "product_url": "https://www.capricornian.com.au/loans/personal-loan/personal-loans/", "terms_url": "https://www.capricornian.com.au/documents/conditions-of-use/", "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": 0.0768, "rate_pct": 7.68, "rate_published_pct": 7.68, "rate_unreliable": false, "comparison_rate": 0.0803, "comparison_rate_pct": 8.03, "comparison_basis": { "amount": 25000.0, "term_months": 60 }, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 200000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "the fully secured rate is for \"a brand new motor vehicle\"; the partially secured rate's \"used vehicle cannot be more than 7 years old\" (the record republished 2026-11-12 gives 7.68% and 10.19%, 0.25 above the page's rates effective 9 October 2026, still shown on 2026-11-13)", "new vehicles only", "fully secured rate: brand new vehicle", "motor vehicle, motorbike, boat, jet ski, caravan or motor home", "partially secured rate: used vehicle no more than 7 years old", "fully secured up to 7 years", "partially secured up to 5 years", "no early payout fees" ], "record_stale": false, "record_correction": "the fully secured rate is for \"a brand new motor vehicle\"; the partially secured rate's \"used vehicle cannot be more than 7 years old\" (the record republished 2026-11-12 gives 7.68% and 10.19%, 0.25 above the page's rates effective 9 October 2026, still shown on 2026-11-13)", "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/ae1b4c9b-f09c-413f-9309-5ca857f992f0", "source_snapshot": "/au/finance/car-loans/v1/source/the-capricornian/ae1b4c9b-f09c-413f-9309-5ca857f992f0.json", "bank_last_updated": "2026-11-12T20:00:00.453591Z", "est_monthly_repayment": 603.71, "est_total_interest": 6222, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 38, "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "product_id": "L32-CL-F", "product_name": "Car Loan - Fixed", "product_label": "Car Loan - Fixed", "product_url": "https://www.communityfirst.com.au/products/car-loan", "terms_url": "https://communityfirst.com.au/support/important-information/disclosure-documents", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": null, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "boats and jet skis that are up to 5 years old.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0724, "rate_pct": 7.24, "rate_published_pct": 7.24, "rate_unreliable": false, "comparison_rate": 0.0804, "comparison_rate_pct": 8.04, "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": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": 120.0, "upfront_fees": 249.0, "restrictions": [], "conditions": [ "vehicles up to 5 years old", "cars, electric vehicles, motorbikes, caravans, boats and jet skis", "loan terms 1 to 7 years", "vehicle age is the compliance plate date, not the build date", "borrower must have been in their current job more than 6 months", "early repayment fee applies on the fixed loan (amount in the fee schedule)" ], "record_stale": false, "record_correction": null, "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/L32-CL-F", "source_snapshot": "/au/finance/car-loans/v1/source/commfcu/L32-CL-F.json", "bank_last_updated": "2026-11-10T14:23:59.000+11:00", "est_monthly_repayment": 597.44, "est_total_interest": 5846, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 39, "brand": "Beyond Bank Australia", "brand_label": "Beyond Bank Australia", "brand_slug": "beyond-bank-australia", "product_id": "41", "product_name": "Low Rate Car Loan Special", "product_label": "Low Rate Car Loan Special", "product_url": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/", "terms_url": "https://www.beyondbank.com.au/car-loans/low-rate-car-loan-special-offer/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": 84, "rate": 0.0704, "rate_pct": 7.04, "rate_published_pct": 7.04, "rate_unreliable": false, "comparison_rate": 0.0805, "comparison_rate_pct": 8.05, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": 105.0, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [ "special_offer" ], "conditions": [ "not updated by the bank since 2026-10-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "special offer, may end without notice", "vehicles made in the current or previous two calendar years (not new only)", "cars, caravans, camper trailers and motorbikes", "$9 monthly loan fee", "borrow up to 100% of the purchase price" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/41", "source_snapshot": "/au/finance/car-loans/v1/source/beyond-bank-australia/41.json", "bank_last_updated": "2026-10-06T12:00:30.3824864Z", "est_monthly_repayment": 594.6, "est_total_interest": 5676, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 40, "brand": "Summerland Bank", "brand_label": "Summerland Bank", "brand_slug": "summerland-bank", "product_id": "46", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://summerland.com.au/my-banking/personal-loans/car-vehicle-caravan-personal-loan", "terms_url": "https://www.summerland.com.au/account-access-facility-conditions-of-use", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "New or used cars (under five years old)", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0749, "rate_pct": 7.49, "rate_published_pct": 7.49, "rate_unreliable": false, "comparison_rate": 0.0815, "comparison_rate_pct": 8.15, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": 60.0, "upfront_fees": 175.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new or used cars under five years old", "also finances caravans, campervans, motorhomes and motorbikes" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/46", "source_snapshot": "/au/finance/car-loans/v1/source/summerland-bank/46.json", "bank_last_updated": "2026-10-22T02:00:41.2111231Z", "est_monthly_repayment": 601.0, "est_total_interest": 6060, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 41, "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "product_id": "4bf3ecbdf7b447ef97c815751377715d", "product_name": "Secured Fixed Rate Car Loan", "product_label": "Secured Fixed Rate Car Loan", "product_url": "https://www.commbank.com.au/personal-loans/secured-personal-loan.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/ADB2911.pdf", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 48, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "A Secured Fixed Rate Car Loan can be used for buying a new or used car that is ten years old or below that doesn't have any finance owing on it.", "security": "secured", "term_min_months": 48, "term_max_months": 48, "rate": 0.0679, "rate_pct": 6.79, "rate_published_pct": 6.79, "rate_unreliable": false, "comparison_rate": 0.082, "comparison_rate_pct": 8.2, "comparison_basis": null, "rate_max_pct": 11.29, "comparison_rate_max_pct": 12.65, "risk_based": true, "credit_band": null, "loan_min": 4000.0, "loan_max": 120000.0, "max_lvr": 120.0, "redraw": false, "annual_fee": 180.0, "upfront_fees": 250.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-09-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "vehicles up to 10 years old", "loan term 48 months; comparison rates are quoted over 60", "Rate depends on your credit history; up to 11.29%", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "record_stale": true, "record_correction": null, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/4bf3ecbdf7b447ef97c815751377715d", "source_snapshot": "/au/finance/car-loans/v1/source/commbank/4bf3ecbdf7b447ef97c815751377715d.json", "bank_last_updated": "2026-09-30T23:33:59.000Z", "est_monthly_repayment": 715.47, "est_total_interest": 4342, "repayment_term_months": 48, "repayment_basis": "48 months at the rate, before fees: the loan's longest term, shorter than the usual 60" }, { "rank": 42, "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "product_id": "Secured_Personal_Loan", "product_name": "Secured Personal Loan", "product_label": "Secured Personal Loan", "product_url": "https://www.themutual.com.au/borrow/personal-loans/secured-personal-loan/", "terms_url": "https://themutual.com.au/reusable-documents/target-market-determinations/secured-personal-loan-tmd/", "car_loan_basis": "vehicle_secured", "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": null, "term_max_months": null, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0827, "comparison_rate_pct": 8.27, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 200.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "secured personal loan: the vehicle is the security" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Secured_Personal_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/maitland-mutual-limited/Secured_Personal_Loan.json", "bank_last_updated": "2026-07-01T08:27:37.000+10:00", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 43, "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "product_id": "9cd6d537-791e-4256-a57d-f0213720a4c0", "product_name": "NAB Car Loan", "product_label": "Car Loan", "product_url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured", "terms_url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured", "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": 12, "max_vehicle_age_months": 144, "vehicle_age_quote": "Used vehicles must be no more than 12 years old at the time of application, no more tha", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0674, "rate_pct": 6.74, "rate_published_pct": 6.74, "rate_unreliable": false, "comparison_rate": 0.0829, "comparison_rate_pct": 8.29, "comparison_basis": null, "rate_max_pct": 13.54, "comparison_rate_max_pct": 15.03, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": false, "annual_fee": 180.0, "upfront_fees": 350.0, "restrictions": [ "existing_customers" ], "conditions": [ "confirmed on the bank's website on 2026-10-18; existing NAB customers only, sole borrowers aged 21 or over, used vehicles up to 12 years old", "Rate depends on your credit history; up to 13.54%", "existing personal NAB customers registered for Internet Banking only", "sole borrowers only", "borrower must be 21 or older", "used vehicles up to 12 years old at application and 15 at the end of the loan", "not for motorbikes, caravans or vehicles over 4.5 tonnes", "loan terms of 1 to 7 years", "secured on the car", "fixed rates are personalised (from 6.74% to 13.54%); NAB Home Loan customers get a lower maximum, 8.99%", "0.75% discount for eligible all-electric and plug-in hybrid cars" ], "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-18; existing NAB customers only, sole borrowers aged 21 or over, used vehicles up to 12 years old", "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/9cd6d537-791e-4256-a57d-f0213720a4c0", "source_snapshot": "/au/finance/car-loans/v1/source/national-australia-bank/9cd6d537-791e-4256-a57d-f0213720a4c0.json", "bank_last_updated": "2026-08-21T13:59:59Z", "est_monthly_repayment": 590.36, "est_total_interest": 5422, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 44, "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "product_id": "NICUL75F_BNC", "product_name": "Brand New Vehicle Loan", "product_label": "Brand New Vehicle Loan", "product_url": "https://www.nicu.com.au/personal-car-loans/car-loan", "terms_url": null, "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": "unsecured", "term_min_months": null, "term_max_months": null, "rate": 0.0774, "rate_pct": 7.74, "rate_published_pct": 7.74, "rate_unreliable": false, "comparison_rate": 0.083, "comparison_rate_pct": 8.3, "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": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": 96.0, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-05-11, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only" ], "record_stale": true, "record_correction": null, "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL75F_BNC", "source_snapshot": "/au/finance/car-loans/v1/source/northern-inland-credit-union-limited/NICUL75F_BNC.json", "bank_last_updated": "2026-05-11T17:11:38.000+10:00", "est_monthly_repayment": 604.57, "est_total_interest": 6274, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 45, "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "product_id": "New_Car_Loan_for_cars_up_to_5_years_old", "product_name": "New Wheels Car Loan", "product_label": "New Wheels Car Loan", "product_url": "https://lcu.com.au/car-loans/", "terms_url": "https://lcu.com.au/disclosure-documents", "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": 1, "max_vehicle_age_months": 12, "vehicle_age_quote": "For new motor vehicles up to 1 year old", "security": null, "term_min_months": 12, "term_max_months": 120, "rate": 0.0805, "rate_pct": 8.05, "rate_published_pct": 8.05, "rate_unreliable": false, "comparison_rate": 0.0833, "comparison_rate_pct": 8.33, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 75000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "\"For new motor vehicles up to 1 year old\", whatever the record's product id says", "new vehicles only", "vehicles up to 1 year old", "new vehicles up to 1 year old", "$200 application fee" ], "record_stale": true, "record_correction": "\"For new motor vehicles up to 1 year old\", whatever the record's product id says", "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/New_Car_Loan_for_cars_up_to_5_years_old", "source_snapshot": "/au/finance/car-loans/v1/source/laboratories-credit-union/New_Car_Loan_for_cars_up_to_5_years_old.json", "bank_last_updated": "2026-07-06T23:41:06.000+10:00", "est_monthly_repayment": 609.01, "est_total_interest": 6541, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 46, "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "product_id": "568", "product_name": "Fixed Rate Car Loan", "product_label": "Fixed Rate Car Loan", "product_url": "https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=personal-loan", "terms_url": "https://www.racq.com.au/-/media/project/racqgroup/racq/pdf/bank/forms-and-documents/documents/legal-and-corporate/general-terms-and-conditions-personal-loans-and-overdraft-facilities-effective-12-august-2025-v2.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": null, "term_max_months": 60, "rate": 0.0819, "rate_pct": 8.19, "rate_published_pct": 8.19, "rate_unreliable": false, "comparison_rate": 0.0836, "comparison_rate_pct": 8.36, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$120 document preparation fee" ], "record_stale": true, "record_correction": null, "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/568", "source_snapshot": "/au/finance/car-loans/v1/source/racq-bank/568.json", "bank_last_updated": "2026-07-08T21:55:57Z", "est_monthly_repayment": 611.02, "est_total_interest": 6661, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 47, "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "product_id": "CREDITUNIONSA_PER_320S_Online", "product_name": "Online-only Special Fixed Rate Personal Loan", "product_label": "Online-only Special Fixed Rate Personal Loan", "product_url": "https://www.creditunionsa.com.au/loans/car-and-personal-loans/personal-loans/", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1032-Personal-loan-Int-rates.pdf", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "This product is available when secured by a new or used vehicle aged 5 years and less.", "security": "secured", "term_min_months": null, "term_max_months": 84, "rate": 0.0794, "rate_pct": 7.94, "rate_published_pct": 7.94, "rate_unreliable": false, "comparison_rate": 0.0843, "comparison_rate_pct": 8.43, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 15000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 350.0, "restrictions": [ "special_offer", "online_only" ], "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", "vehicles up to 5 years old", "secured personal loan: the vehicle is the security", "special offer, may end without notice", "online applications only", "$90 security processing fee when secured by a motor vehicle", "fixed for the life of the loan, up to 7 years", "new or used vehicle under 5 years old" ], "record_stale": true, "record_correction": null, "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_PER_320S_Online", "source_snapshot": "/au/finance/car-loans/v1/source/credit-union-sa/CREDITUNIONSA_PER_320S_Online.json", "bank_last_updated": "2026-10-15T00:00:00.000+11:00", "est_monthly_repayment": 607.43, "est_total_interest": 6446, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 48, "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "product_id": "L60_L600001", "product_name": "Fixed Personal Car Loan", "product_label": "Fixed Personal Car Loan", "product_url": "https://horizonbank.com.au/loans/car-loans/popular-car-loans/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0824, "rate_pct": 8.24, "rate_published_pct": 8.24, "rate_unreliable": false, "comparison_rate": 0.0846, "comparison_rate_pct": 8.46, "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": 1000.0, "loan_max": null, "max_lvr": 100.0, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "loan term up to 5 years", "no penalty for early payoff" ], "record_stale": false, "record_correction": null, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L60_L600001", "source_snapshot": "/au/finance/car-loans/v1/source/horizon-bank/L60_L600001.json", "bank_last_updated": "2026-11-04T11:07:08.000+11:00", "est_monthly_repayment": 611.74, "est_total_interest": 6705, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 49, "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "product_id": "65", "product_name": "Fixed Secured Personal Loan", "product_label": "Fixed Secured Personal Loan", "product_url": "https://www.pnbank.com.au/personal-loans/secured/", "terms_url": "https://www.pnbank.com.au/important-information/terms-and-conditions/personal-loans/", "car_loan_basis": "vehicle_secured", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Personal loan secured by a car up to seven years old.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.0799, "rate_pct": 7.99, "rate_published_pct": 7.99, "rate_unreliable": false, "comparison_rate": 0.0865, "comparison_rate_pct": 8.65, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 199.0, "restrictions": [], "conditions": [ "secured personal loan: the vehicle is the security", "$5 monthly maintenance fee", "$20 goods security administration fee", "secured by a car up to 7 years old", "terms of 1 to 7 years", "no fees or penalties for paying off early" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/65", "source_snapshot": "/au/finance/car-loans/v1/source/p-n-bank/65.json", "bank_last_updated": "2026-11-13T00:00:22.6992039Z", "est_monthly_repayment": 608.15, "est_total_interest": 6489, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 50, "brand": "Southern Cross Credit Union", "brand_label": "Southern Cross Credit Union", "brand_slug": "southern-cross-credit-union", "product_id": "MOTORSCOUT_NEW_VEHICLE_LOAN", "product_name": "MOTOR SCOUT NEW VEHICLE LOAN", "product_label": "Motor Scout New Vehicle Loan", "product_url": null, "terms_url": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges-Home-Loan-and-Personal-Loan", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "vehicles": [ "new", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0649, "rate_pct": 6.49, "rate_published_pct": 6.49, "rate_unreliable": false, "comparison_rate": 0.0885, "comparison_rate_pct": 8.85, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 20000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": true, "annual_fee": 96.0, "upfront_fees": 250.0, "restrictions": [ "broker_only" ], "conditions": [ "not updated by the bank since 2026-06-30, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "through a broker or introducer only", "break cost fee if repaid or extra repayment made while the rate is fixed" ], "record_stale": true, "record_correction": null, "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/MOTORSCOUT_NEW_VEHICLE_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/southern-cross-credit-union/MOTORSCOUT_NEW_VEHICLE_LOAN.json", "bank_last_updated": "2026-06-30T21:40:50.000+10:00", "est_monthly_repayment": 586.84, "est_total_interest": 5211, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 51, "brand": "BankVic", "brand_label": "BankVic", "brand_slug": "bankvic", "product_id": "L54_Car_Loan_Special_Fixed_IC2", "product_name": "Car Loan Fixed 1-5 Years", "product_label": "Car Loan Fixed 1-5 Years", "product_url": "https://www.bankvic.com.au/banking/?filter=Personal-Lending", "terms_url": "https://cdn.intelligencebank.com/au/share/NZw2/RVzr/yzJw/original/BankVic+Terms+%2526+Conditions", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": null, "security": null, "term_min_months": 60, "term_max_months": 60, "rate": 0.0899, "rate_pct": 8.99, "rate_published_pct": 8.99, "rate_unreliable": false, "comparison_rate": 0.0912, "comparison_rate_pct": 9.12, "comparison_basis": null, "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": false, "annual_fee": null, "upfront_fees": null, "restrictions": [ "occupation_membership" ], "conditions": [ "not updated by the bank since 2023-04-17, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "borrow from $10,000 to $85,000", "$90 set-up fee", "secured on the car", "membership limited to police, emergency services, health or government workers and their families" ], "record_stale": true, "record_correction": null, "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/L54_Car_Loan_Special_Fixed_IC2", "source_snapshot": "/au/finance/car-loans/v1/source/bankvic/L54_Car_Loan_Special_Fixed_IC2.json", "bank_last_updated": "2023-04-17T18:13:23.000+10:00", "est_monthly_repayment": 622.61, "est_total_interest": 7356, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 52, "brand": "Darling Downs Bank", "brand_label": "Darling Downs Bank", "brand_slug": "darling-downs-bank", "product_id": "L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS", "product_name": "AUTO LOANS", "product_label": "Auto Loans – New Auto Loan Secured Fixed Principal and Interest 36 Months", "product_url": null, "terms_url": "https://www.ddbank.com.au/about/disclosure-documents/", "car_loan_basis": "name", "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed", "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": 0.0849, "rate_pct": 8.49, "rate_published_pct": 8.49, "rate_unreliable": false, "comparison_rate": 0.0919, "comparison_rate_pct": 9.19, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 5000.0, "loan_max": 50000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [], "conditions": [ "not updated by the bank since 2026-10-02, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "$250 establishment fee on the bank's auto loans page (feed says $150)", "$7.50 monthly service fee", "terms of 1 to 5 years", "no fixed loan break fee; early payout without penalty", "new car, motorbike or motorhome" ], "record_stale": true, "record_correction": null, "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS", "source_snapshot": "/au/finance/car-loans/v1/source/darling-downs-bank/L62-_NEW_AUTO_LOAN_SECURED_FIXED_PRINCIPAL_AND_INTEREST_36_MONTHS.json", "bank_last_updated": "2026-10-02T13:28:16.000+10:00", "est_monthly_repayment": 615.35, "est_total_interest": 6921, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 53, "brand": "Coastline Bank", "brand_label": "Coastline Bank", "brand_slug": "coastline-bank", "product_id": "42", "product_name": "Personal Car Loan", "product_label": "Personal Car Loan", "product_url": "https://www.coastline.com.au/personal/personal-and-car-loans", "terms_url": "https://www.coastline.com.au/conditions-of-use/", "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 2, "max_vehicle_age_months": 24, "vehicle_age_quote": "USER-INPUT-RATE/MV<=2YO VEHICLE 2YO OR LESS", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0875, "rate_pct": 8.75, "rate_published_pct": 8.75, "rate_unreliable": false, "comparison_rate": 0.0933, "comparison_rate_pct": 9.33, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 10000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 305.0, "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", "vehicles up to 2 years old", "$300 loan establishment fee for new and increased car loans" ], "record_stale": true, "record_correction": null, "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/42", "source_snapshot": "/au/finance/car-loans/v1/source/coastline-bank/42.json", "bank_last_updated": "2026-10-15T02:00:14.6785664Z", "est_monthly_repayment": 619.12, "est_total_interest": 7147, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 54, "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "product_id": "8397effe-4703-470d-afaf-093502021c10", "product_name": "Secured Fixed Rate Personal Loan", "product_label": "Secured Fixed Rate Personal Loan", "product_url": "https://www.alex.com.au/car-loan/", "terms_url": "https://www.alex.com.au/legal/secured-personal-loan-target-market-determination/", "car_loan_basis": "rate_text", "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": null, "term_max_months": 84, "rate": 0.0939, "rate_pct": 9.39, "rate_published_pct": 9.39, "rate_unreliable": false, "comparison_rate": 0.101, "comparison_rate_pct": 10.1, "comparison_basis": null, "rate_max_pct": 17.39, "comparison_rate_max_pct": null, "risk_based": true, "credit_band": null, "loan_min": 10000.0, "loan_max": 100000.0, "max_lvr": 120.0, "redraw": false, "annual_fee": null, "upfront_fees": 495.0, "restrictions": [], "conditions": [ "Rate depends on your credit history; up to 17.39%", "dealer purchases only (no private sales)", "vehicle no older than 15 years at the end of the loan", "cars only: not vans, trucks, buses or motorbikes", "terms of 1 to 7 years", "no early repayment fee", "Australian citizen or permanent resident with a current driver licence" ], "record_stale": false, "record_correction": null, "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/8397effe-4703-470d-afaf-093502021c10", "source_snapshot": "/au/finance/car-loans/v1/source/alex-bank/8397effe-4703-470d-afaf-093502021c10.json", "bank_last_updated": "2026-11-04T13:01:10Z", "est_monthly_repayment": 628.44, "est_total_interest": 7707, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 55, "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "product_id": "L15_NEW_CAR_LOAN", "product_name": "NEW CAR LOAN", "product_label": "New Car Loan", "product_url": "https://firstoptionbank.com.au/car-loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "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": null, "term_min_months": null, "term_max_months": null, "rate": 0.1099, "rate_pct": 10.99, "rate_published_pct": 10.99, "rate_unreliable": false, "comparison_rate": 0.1124, "comparison_rate_pct": 11.24, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 15000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 175.0, "restrictions": [], "conditions": [ "not updated by the bank since 2025-01-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "new vehicles only", "personal and light commercial vehicles, new and used", "vehicles aged up to 7 years (older vehicles can be considered)", "loan terms up to 7 years", "no early payout penalty", "$10 redraw fee" ], "record_stale": true, "record_correction": null, "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/L15_NEW_CAR_LOAN", "source_snapshot": "/au/finance/car-loans/v1/source/first-option-bank/L15_NEW_CAR_LOAN.json", "bank_last_updated": "2025-01-08T10:19:15.000+11:00", "est_monthly_repayment": 652.12, "est_total_interest": 9127, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" }, { "rank": 56, "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "product_id": "4ab135c2-2407-40cf-b272-3ade65698076", "product_name": "Flexible car loan", "product_label": "Flexible Car Loan", "product_url": "https://liberty.com.au/car-loans/flexible-car-loans", "terms_url": null, "car_loan_basis": "name", "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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": 24, "term_max_months": 84, "rate": 0.0979, "rate_pct": 9.79, "rate_published_pct": 9.79, "rate_unreliable": false, "comparison_rate": 0.1144, "comparison_rate_pct": 11.44, "comparison_basis": { "amount": 30000.0, "term_months": 60 }, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": true, "credit_band": null, "loan_min": 5000.0, "loan_max": 100000.0, "max_lvr": null, "redraw": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [], "conditions": [ "Rate depends on your credit history", "$125 discharge fee; break costs may apply", "$125 discharge fee", "maximum $25,000 for applicants under 23", "higher rate where loan-to-value ratio is above 120%", "maximum vehicle age at the end of the term is 8 years with a balloon payment" ], "record_stale": false, "record_correction": null, "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/4ab135c2-2407-40cf-b272-3ade65698076", "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/4ab135c2-2407-40cf-b272-3ade65698076.json", "bank_last_updated": "2026-11-10T13:00:00Z", "est_monthly_repayment": 634.32, "est_total_interest": 8059, "repayment_term_months": 60, "repayment_basis": "60 months at the rate, before fees" } ] }