{ "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.", "unranked_reasons": { "restricted": "restricted to a group or use", "no_comparison_rate": "no comparison rate published", "out_of_range": "rate or comparison rate outside 2% to 30%", "range_upper": "a maximum or representative rate", "revert_rate": "the rate a fixed loan reverts to", "not_a_loan_rate": "introductory, penalty or other rate type", "outdated_record": "checked against the bank's website and found out of date" }, "generated_at": "2026-11-13T01:35:04Z", "row_count": 231, "rows": [ { "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "legal_entity_abn": "13627244848", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparis…", "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" }, { "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "legal_entity_abn": "13627244848", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparis…", "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" }, { "brand": "Alex.Bank", "brand_label": "Alex.Bank", "brand_slug": "alex-bank", "legal_entity_abn": "13627244848", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 9.39% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 17.39% p.a. (comparis…", "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" }, { "brand": "Australian Military Bank", "brand_label": "Australian Military Bank", "brand_slug": "australian-military-bank", "legal_entity_abn": "48087649741", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; $10 a month loan account fee", "record_correction_citations": [ { "quote": "6.35 % p.a. Interest Rate 7.27 % p.a. Comparison Rate^^ Unlimited Extra Repayments $10/month Monthly loan account fee", "url": "https://australianmilitarybank.com.au/car-and-personal-loans/car-and-personal-loans/car-loans/#:~:text=6.35%20%25%20p.a.%20Interest%20Rate,%2410%2Fmonth%20Monthly%20loan%20account%20fee", "document_sha256": "18ed655067380e509cd7a4addfdbe12ecc6e477df1169c3c01bdf771adc502a2", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "product_id": "f0f4c126-1e71-11f1-b42c-325096b39f47", "product_name": "Car Loan", "product_label": "Car Loan", "product_url": "https://australianmutual.bank/loans/car-loans/car-loan/", "terms_url": "https://australianmutual.bank/loans/car-loans/car-loan/", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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": 72, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1021, "comparison_rate_pct": 10.21, "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": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "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", "unsecured, except car loans over $50,000, which are secured" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Loan term up to 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different t…", "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/f0f4c126-1e71-11f1-b42c-325096b39f47", "source_snapshot": "/au/finance/car-loans/v1/source/australian-mutual-bank-ltd/f0f4c126-1e71-11f1-b42c-325096b39f47.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Maximum loan amount : $80,000", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Maximum%20loan%20amount%20%3A%20%2480%2C000", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" }, { "quote": "Interest Rate 5 Year Fixed 6.19% p.a. Comparison Rate 6.40% p.a.", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Interest%20Rate%205%20Year%20Fixed,p.a.%20Comparison%20Rate%206.40%25%20p.a.", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Maximum loan amount : $80,000", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Maximum%20loan%20amount%20%3A%20%2480%2C000", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" }, { "quote": "Interest Rate 5 Year Fixed 6.19% p.a. Comparison Rate 6.40% p.a.", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Interest%20Rate%205%20Year%20Fixed,p.a.%20Comparison%20Rate%206.40%25%20p.a.", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" } ], "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": "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Maximum loan amount : $80,000", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Maximum%20loan%20amount%20%3A%20%2480%2C000", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" }, { "quote": "Interest Rate 5 Year Fixed 6.19% p.a. Comparison Rate 6.40% p.a.", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Interest%20Rate%205%20Year%20Fixed,p.a.%20Comparison%20Rate%206.40%25%20p.a.", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-13; the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Maximum loan amount : $80,000", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Maximum%20loan%20amount%20%3A%20%2480%2C000", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" }, { "quote": "Interest Rate 5 Year Fixed 6.19% p.a. Comparison Rate 6.40% p.a.", "url": "https://australianmutual.bank/loans/car-loans/fixed-rate-car-loan/#:~:text=Interest%20Rate%205%20Year%20Fixed,p.a.%20Comparison%20Rate%206.40%25%20p.a.", "document_sha256": "511749620cab082ce13613e8cbce8968f1fcf9a5fb925d0950f82119038f5696", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 72, "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Australian Mutual Bank LTD", "brand_label": "Australian Mutual Bank", "brand_slug": "australian-mutual-bank-ltd", "legal_entity_abn": "30087650459", "product_id": "fbb8f704-8a27-11f1-bbd0-325096b39f47", "product_name": "Green Car Loan", "product_label": "Green Car Loan", "product_url": "https://australianmutual.bank/loans/car-loans/green-car-loan/", "terms_url": "https://australianmutual.bank/media/5543/op00140-tmbl-0726-consumer-lending-fa1.pdf", "car_loan_basis": "name", "record_stale": false, "record_correction": "out of date: on 2026-11-13 the bank's website showed 6.70% (comparison 6.70%), 0.25 points above this record; for cars up to 5 years old", "record_correction_citations": [ { "quote": "For cars up to 5 years old Borrow up to 100% of the purchase price 4 6.70 % p.a. Interest rate 6.70 % p.a. Comparison rate", "url": "https://australianmutual.bank/loans/car-loans/green-car-loan/#:~:text=For%20cars%20up%20to%205,6.70%20%25%20p.a.%20Comparison%20rate", "document_sha256": "865999dc8bd6667f654790cfac414f89ed01d5a7054ed7e2a11ab37c1e12ad95", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "For cars up to 5 years old Borrow up to 100% of the purchase price 4 6.70 % p.a.", "security": "unsecured", "term_min_months": null, "term_max_months": null, "rate": 0.0645, "rate_pct": 6.45, "rate_published_pct": 6.45, "rate_unreliable": false, "comparison_rate": 0.0645, "comparison_rate_pct": 6.45, "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": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [ "occupation_membership", "outdated_record" ], "ranked": false, "unranked_reason": "outdated_record", "conditions": [ "out of date: on 2026-11-13 the bank's website showed 6.70% (comparison 6.70%), 0.25 points above this record; for cars up to 5 years old", "Electric, hybrid or low-emission vehicles only", "vehicles up to 5 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)", "out of date" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "This is a Green Car Loan. Comparison rate based on a $30,000 loan over 5 years unsecured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.", "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/fbb8f704-8a27-11f1-bbd0-325096b39f47", "source_snapshot": "/au/finance/car-loans/v1/source/australian-mutual-bank-ltd/fbb8f704-8a27-11f1-bbd0-325096b39f47.json", "bank_last_updated": "2026-11-11T23:46:52.000+11:00" }, { "brand": "Auswide Bank Ltd", "brand_label": "Auswide Bank", "brand_slug": "auswide-bank-ltd", "legal_entity_abn": "89067729195", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30; vehicles bought from a licensed dealer only", "record_correction_citations": [ { "quote": "Car Loan Any new or used vehicle purchased from a licensed dealer.^ 6.48 % p.a. Interest rate 7.19 % p.a. Comparison rate", "url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/#:~:text=Car%20Loan%20Any%20new%20or,7.19%20%25%20p.a.%20Comparison%20rate", "document_sha256": "ca19ccfde799c80dc25f2c3abb8f1e5d9a46363388049541a02df9f96623dcf6", "confirmed": "2026-11-13" }, { "quote": "Use your Auswide Bank car loan to purchase any vehicle from a licensed dealer.", "url": "https://auswidebank.com.au/personal-loans/find-the-loan-that-suits-you/buying-a-car/#:~:text=Use%20your%20Auswide%20Bank%20car,vehicle%20from%20a%20licensed%20dealer.", "document_sha256": "ca19ccfde799c80dc25f2c3abb8f1e5d9a46363388049541a02df9f96623dcf6", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Bank Australia", "brand_label": "Bank Australia", "brand_slug": "bank-australia", "legal_entity_abn": "21087651607", "product_id": "06f63461-e1c8-469d-98b6-94356882b04c", "product_name": "Fixed Car Loan", "product_label": "Fixed Car Loan", "product_url": "https://www.bankaust.com.au/banking/car-loans/car-loan", "terms_url": "https://www.bankaust.com.au/support/disclosures", "car_loan_basis": "name", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30 (Electric Vehicle Loan 6.29%, Used Car Loan 7.29%, comparison 7.50%); the green rate is for fully electric vehicles only, not hybrids", "record_correction_citations": [ { "quote": "6.29 % p.a. Fixed interest rate 6.29 % p.a. Comparison rate", "url": "https://www.bankaust.com.au/banking/car-loans/electric-vehicle-loan#:~:text=6.29%20%25%20p.a.%20Fixed%20interest,6.29%20%25%20p.a.%20Comparison%20rate", "document_sha256": "3b9042004b2211089bce9ff256eafb6cf5ca738d3dc04b9a9bd9a31687c07b85", "confirmed": "2026-11-13" }, { "quote": "Only fully electric vehicles (EVs) are eligible.", "url": "https://www.bankaust.com.au/banking/car-loans/electric-vehicle-loan#:~:text=Only%20fully%20electric%20vehicles%20%28EVs%29%20are%20eligible.", "document_sha256": "3b9042004b2211089bce9ff256eafb6cf5ca738d3dc04b9a9bd9a31687c07b85", "confirmed": "2026-11-13" }, { "quote": "Our used vehicle rates 7.29 % p.a. Fixed interest rate Effective 1 November 2026 7.50 % p.a. 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Comparison Rate (maximum rate): 12.65% p.a. based on a $…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "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": 84, "term_max_months": 84, "rate": 0.1129, "rate_pct": 11.29, "rate_published_pct": 11.29, "rate_unreliable": false, "comparison_rate": 0.1265, "comparison_rate_pct": 12.65, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "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", "the top of the bank's rate range", "loan term 84 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Maximum rate 11.29%, 7 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 12.65% p.a. based on a $…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "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": "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": 12, "term_max_months": 12, "rate": 0.0879, "rate_pct": 8.79, "rate_published_pct": 8.79, "rate_unreliable": false, "comparison_rate": 0.1374, "comparison_rate_pct": 13.74, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_representative" ], "ranked": false, "unranked_reason": "range_upper", "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", "the bank's representative rate (at least half of borrowers get it or lower)", "loan term 12 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Representative rate 8.79%, 1 year loan term. At least half of our customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your applicatio…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "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": 24, "term_max_months": 24, "rate": 0.0879, "rate_pct": 8.79, "rate_published_pct": 8.79, "rate_unreliable": false, "comparison_rate": 0.1374, "comparison_rate_pct": 13.74, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_representative" ], "ranked": false, "unranked_reason": "range_upper", "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", "the bank's representative rate (at least half of borrowers get it or lower)", "loan term 24 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Representative rate 8.79%, 2 year loan term. At least half of our customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your applicatio…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "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": "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": 36, "term_max_months": 36, "rate": 0.0879, "rate_pct": 8.79, "rate_published_pct": 8.79, "rate_unreliable": false, "comparison_rate": 0.1374, "comparison_rate_pct": 13.74, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_representative" ], "ranked": false, "unranked_reason": "range_upper", "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", "the bank's representative rate (at least half of borrowers get it or lower)", "loan term 36 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Representative rate 8.79%, 3 year loan term. At least half of our customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your applicatio…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "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": "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": 12, "term_max_months": 12, "rate": 0.1129, "rate_pct": 11.29, "rate_published_pct": 11.29, "rate_unreliable": false, "comparison_rate": 0.162, "comparison_rate_pct": 16.2, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "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", "the top of the bank's rate range", "loan term 12 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Maximum rate 11.29%, 1 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 16.20% p.a. based on a $…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "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": 24, "term_max_months": 24, "rate": 0.1129, "rate_pct": 11.29, "rate_published_pct": 11.29, "rate_unreliable": false, "comparison_rate": 0.162, "comparison_rate_pct": 16.2, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "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", "the top of the bank's rate range", "loan term 24 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Maximum rate 11.29%, 2 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 16.20% p.a. based on a $…", "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" }, { "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "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", "record_stale": true, "record_correction": null, "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": "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": 36, "term_max_months": 36, "rate": 0.1129, "rate_pct": 11.29, "rate_published_pct": 11.29, "rate_unreliable": false, "comparison_rate": 0.162, "comparison_rate_pct": 16.2, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "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", "the top of the bank's rate range", "loan term 36 months; comparison rates are quoted over 60", "car ten years old or below, not under finance, comprehensively insured", "early repayment adjustment if repaid with 12 or more months left" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Maximum rate 11.29%, 3 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 16.20% p.a. based on a $…", "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" }, { "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "legal_entity_abn": "80087649938", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. 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.", "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" }, { "brand": "CommFCU", "brand_label": "Community First Bank", "brand_slug": "commfcu", "legal_entity_abn": "80087649938", "product_id": "L32-CL-V", "product_name": "Car Loan - Variable", "product_label": "Car Loan - Variable", "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", "record_stale": false, "record_correction": null, "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": "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. 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"https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_PER_320S_EC_Online", "source_snapshot": "/au/finance/car-loans/v1/source/credit-union-sa/CREDITUNIONSA_PER_320S_EC_Online.json", "bank_last_updated": "2026-10-15T00:00:00.000+11:00" }, { "brand": "Credit Union SA", "brand_label": "Credit Union SA", "brand_slug": "credit-union-sa", "legal_entity_abn": "36087651232", "product_id": "CREDITUNIONSA_PER_320S_EC", "product_name": "Education Community Special Fixed Rate Personal Loan", "product_label": "Education Community Special Fixed Rate Personal Loan", "product_url": "https://www.creditunionsa.com.au/community/education-community-banking-benefits/education-car-personal-loans/education-community-personal-loans", "terms_url": "https://cms.creditunionsa.com.au/assets/documents/BRC_1032-Personal-loan-Int-rates.pdf", "car_loan_basis": "vehicle_secured", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", 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"legal_entity_abn": "36087651232", "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", "record_stale": true, "record_correction": null, "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, 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"brand_label": "Defence Bank", "brand_slug": "defence-bank", "legal_entity_abn": "57087651385", "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", "record_stale": true, "record_correction": null, "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, 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"repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Choose a loan term from one to seven years", "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" }, { "brand": "Defence Bank", "brand_label": "Defence Bank", "brand_slug": "defence-bank", "legal_entity_abn": "57087651385", "product_id": "376", "product_name": "Used Car Loan", "product_label": "Used 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", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "new or used cars and motorcycles up to and including five years old; an older vehicle needs a personal loan", "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": [], "ranked": true, "unranked_reason": null, "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", "used 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 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Commander Car Loan", "product_label": "L34 Commander 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", "record_stale": true, "record_correction": "the Commander Car Loan is for \"Used vehicle any age\"", "record_correction_citations": [ { "quote": "Age New or used vehicle purchase Used vehicle any age", "url": "https://www.fscu.com.au/loans/car-loan/#:~:text=Age%20New%20or%20used%20vehicle%20purchase%20Used%20vehicle%20any%20age", "document_sha256": "dcadeeb9a907e83740a6b657d1ad8ba0f497570f66b6fe282715ec957ccf85ae", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "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": 0.0795, "rate_pct": 7.95, "rate_published_pct": 7.95, "rate_unreliable": false, "comparison_rate": 0.0829, "comparison_rate_pct": 8.29, "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": 250.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "the Commander Car Loan is for \"Used vehicle any age\"", "used vehicles only", "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)", "used vehicles of any age only", "maximum term 7 years", "also finances motorbikes, boats and caravans", "minimum loan $10,000" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/19", "source_snapshot": "/au/finance/car-loans/v1/source/fire-service-credit-union/19.json", "bank_last_updated": "2026-03-19T04:00:33.2590705Z" }, { "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "legal_entity_abn": "17087651152", "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", "record_stale": false, "record_correction": "the Chief Car Loan is for a \"New or used vehicle purchase\"", "record_correction_citations": [ { "quote": "Age New or used vehicle purchase Used vehicle any age", "url": "https://www.fscu.com.au/loans/car-loan/#:~:text=Age%20New%20or%20used%20vehicle%20purchase%20Used%20vehicle%20any%20age", "document_sha256": "dcadeeb9a907e83740a6b657d1ad8ba0f497570f66b6fe282715ec957ccf85ae", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "legal_entity_abn": "30087650459", "product_id": "12443c41-ebdf-41f3-800f-2a8df8cacaef", "product_name": "Car Loan", "product_label": "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", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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 buy the car of your dreams, whether it's a new or used car up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": 72, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1021, "comparison_rate_pct": 10.21, "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": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "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)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Loan term up to 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different t…", "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/12443c41-ebdf-41f3-800f-2a8df8cacaef", "source_snapshot": "/au/finance/car-loans/v1/source/firefighters-mutual-bank/12443c41-ebdf-41f3-800f-2a8df8cacaef.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00" }, { "brand": "Firefighters Mutual Bank", "brand_label": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "legal_entity_abn": "30087650459", "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", "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", "record_correction_citations": [ { "quote": "Minimum amount $10,000 Maximum amount $80,000", "url": "https://www.fmbank.com.au/global-fragments/product-rates-and-fees/fixed-car-loan-rates#:~:text=Minimum%20amount%20%2410%2C000%20Maximum%20amount%20%2480%2C000", "document_sha256": "0dc25609d94ca569b7aec794b3e55609cd1987bad94f7719b39437ac508d79e1", "confirmed": "2026-11-13" }, { "quote": "\"Key\":\"FCL_5_Stand\",\"Text\":\"6.19%\"},{\"Key\":\"FCL_5_Comp\",\"Text\":\"6.40%\"", "url": "https://www.fmbank.com.au/rates-fmb.json#:~:text=%22Key%22%3A%22FCL_5_Stand%22%2C%22Text%22%3A%226.19%25%22%7D%2C%7B%22Key%22%3A%22FCL_5_Comp%22%2C%22Text%22%3A%226.40%25%22", "document_sha256": "6ddd2873532625f3fc057c404bb296dc5f1c29d3652b12cea543108002f85f12", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); 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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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": 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" }, { "brand": "First Option Bank", "brand_label": "First Option Bank", "brand_slug": "first-option-bank", "legal_entity_abn": "95087650735", "product_id": "L16_USED_CAR_LOAN", "product_name": "USED CAR LOAN", "product_label": "Used Car Loan", "product_url": "https://firstoptionbank.com.au/car-loans/", "terms_url": "https://firstoptionbank.com.au/disclosure-statements/", "car_loan_basis": "name", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "Available for vehicles aged up to 7 years", "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "not updated by the bank since 2026-08-31, before the Reserve Bank's cash rate rise of 4 November 2026; 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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 2.01-point discount for this band (12.99% 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 500-549", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Interest rate is available for customers with Equifax score between 500-549", "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" }, { "brand": "Greater Bank", "brand_label": "Greater Bank", "brand_slug": "greater-bank", "legal_entity_abn": "96087651992", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "new vehicles only" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": 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" }, { "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "legal_entity_abn": "30087650459", "product_id": "2fe4a4cc-65e5-4b74-b5b4-10c1e4712a80", "product_name": "Car Loan", "product_label": "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", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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 buy the car of your dreams, whether it's a new or used car up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": 72, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1021, "comparison_rate_pct": 10.21, "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": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "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)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Loan term up to 6 years. 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Different t…", "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/2fe4a4cc-65e5-4b74-b5b4-10c1e4712a80", "source_snapshot": "/au/finance/car-loans/v1/source/health-professionals-bank/2fe4a4cc-65e5-4b74-b5b4-10c1e4712a80.json", "bank_last_updated": "2026-11-11T23:48:46.000+11:00" }, { "brand": "Health Professionals Bank", "brand_label": "Health Professionals Bank", "brand_slug": "health-professionals-bank", "legal_entity_abn": "30087650459", "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", "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", "record_correction_citations": [ { "quote": "Minimum amount $10,000 Maximum amount $80,000", "url": "https://www.hpbank.com.au/global-fragments/product-rates-and-fees/fixed-car-loan-rates#:~:text=Minimum%20amount%20%2410%2C000%20Maximum%20amount%20%2480%2C000", "document_sha256": "077da492eb423a519255894b6dd828777bb2c4ae0db8f4fd37550c6706af61d5", "confirmed": "2026-11-13" }, { "quote": "\"Key\":\"FCL_5_Stand\",\"Text\":\"6.19%\"},{\"Key\":\"FCL_5_Comp\",\"Text\":\"6.40%\"", "url": "https://www.hpbank.com.au/rates-hp.json#:~:text=%22Key%22%3A%22FCL_5_Stand%22%2C%22Text%22%3A%226.19%25%22%7D%2C%7B%22Key%22%3A%22FCL_5_Comp%22%2C%22Text%22%3A%226.40%25%22", "document_sha256": "6ddd2873532625f3fc057c404bb296dc5f1c29d3652b12cea543108002f85f12", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); 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the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Minimum amount $10,000 Maximum amount $80,000", "url": "https://www.hpbank.com.au/global-fragments/product-rates-and-fees/fixed-car-loan-rates#:~:text=Minimum%20amount%20%2410%2C000%20Maximum%20amount%20%2480%2C000", "document_sha256": "077da492eb423a519255894b6dd828777bb2c4ae0db8f4fd37550c6706af61d5", "confirmed": "2026-11-13" }, { "quote": "\"Key\":\"FCL_5_Stand\",\"Text\":\"6.19%\"},{\"Key\":\"FCL_5_Comp\",\"Text\":\"6.40%\"", "url": "https://www.hpbank.com.au/rates-hp.json#:~:text=%22Key%22%3A%22FCL_5_Stand%22%2C%22Text%22%3A%226.19%25%22%7D%2C%7B%22Key%22%3A%22FCL_5_Comp%22%2C%22Text%22%3A%226.40%25%22", "document_sha256": "6ddd2873532625f3fc057c404bb296dc5f1c29d3652b12cea543108002f85f12", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "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" ], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-11-13 (rates effective 13 March 2026); 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the record, restamped 2026-11-11, is unchanged", "record_correction_citations": [ { "quote": "Minimum amount $10,000 Maximum amount $80,000", "url": "https://www.hpbank.com.au/global-fragments/product-rates-and-fees/fixed-car-loan-rates#:~:text=Minimum%20amount%20%2410%2C000%20Maximum%20amount%20%2480%2C000", "document_sha256": "077da492eb423a519255894b6dd828777bb2c4ae0db8f4fd37550c6706af61d5", "confirmed": "2026-11-13" }, { "quote": "\"Key\":\"FCL_5_Stand\",\"Text\":\"6.19%\"},{\"Key\":\"FCL_5_Comp\",\"Text\":\"6.40%\"", "url": "https://www.hpbank.com.au/rates-hp.json#:~:text=%22Key%22%3A%22FCL_5_Stand%22%2C%22Text%22%3A%226.19%25%22%7D%2C%7B%22Key%22%3A%22FCL_5_Comp%22%2C%22Text%22%3A%226.40%25%22", "document_sha256": "6ddd2873532625f3fc057c404bb296dc5f1c29d3652b12cea543108002f85f12", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 72, "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "loan term up to 5 years", "no penalty for early payoff" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.", "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" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "L58_L580001", "product_name": "Green Car - New", "product_label": "Green Car - New", "product_url": "https://horizonbank.com.au/loans/car-loans/green-car-loan/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "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": 0.0671, "comparison_rate_pct": 6.71, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only", "plug-in hybrid and fully electric only; non plug-in hybrids not eligible" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L58_L580001", "source_snapshot": "/au/finance/car-loans/v1/source/horizon-bank/L58_L580001.json", "bank_last_updated": "2026-11-04T11:06:41.000+11:00" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "L57_L570001", "product_name": "Green Car Loan - Used", "product_label": "Green Car Loan - Used", "product_url": "https://horizonbank.com.au/loans/car-loans/green-used-car-loan/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": null, "kind": "fixed", "vehicles": [ "green" ], "vehicle_age_min": null, "vehicle_age_max": 4, "max_vehicle_age_months": 48, "vehicle_age_quote": "Available for electric and plug-in hybrid cars four years old or less", "security": null, "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": 0.0796, "comparison_rate_pct": 7.96, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only", "plug-in hybrid and fully electric only; non plug-in hybrids not eligible", "electric and plug-in hybrid cars four years old or less" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.", "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L57_L570001", "source_snapshot": "/au/finance/car-loans/v1/source/horizon-bank/L57_L570001.json", "bank_last_updated": "2026-11-04T11:06:33.000+11:00" }, { "brand": "Horizon Bank", "brand_label": "Horizon Bank", "brand_slug": "horizon-bank", "legal_entity_abn": "66087650173", "product_id": "L63_L630001", "product_name": "NEW/USED CAR TO 12MTHS", "product_label": "New/used Car to 12MTHS", "product_url": "https://horizonbank.com.au/loans/car-loans/used-car-loan/", "terms_url": "https://horizonbank.com.au/more/important-info/disclosure-documents/", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 1, "max_vehicle_age_months": 12, "vehicle_age_quote": "NEW/USED CAR TO 12MTHS", "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": null, "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": null, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "vehicles up to 1 year old" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/L63_L630001", "source_snapshot": "/au/finance/car-loans/v1/source/horizon-bank/L63_L630001.json", "bank_last_updated": "2026-11-04T11:07:38.000+11:00" }, { "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "legal_entity_abn": "92087651974", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "This comparison rate is based on a loan amount of $30,000 and a term of 5 years.", "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" }, { "brand": "IMB Bank", "brand_label": "IMB Bank", "brand_slug": "imb-bank", "legal_entity_abn": "92087651974", "product_id": "PL-2-2", "product_name": "Secured Personal Loan", "product_label": "Secured Personal Loan", "product_url": "https://www.imb.com.au/banking/personal-loans/secured-personal-loan", "terms_url": "https://www.imb.com.au/important-information", "car_loan_basis": "vehicle_secured", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": null, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 6, "max_vehicle_age_months": 72, "vehicle_age_quote": "Secured Personal Loans must be secured with either a new or used vehicle (up to 6 years of age)", "security": "secured", "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": 0.0734, "comparison_rate_pct": 7.34, "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": 75000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": 250.0, "restrictions": [], "ranked": true, "unranked_reason": null, "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", "vehicles up to 6 years old", "secured personal loan: the vehicle is the security", "$24.78 PPSR fee on personal loans", "$50 default fee each month in default", "secured by a new or used car, motorcycle or caravan up to 6 years of age", "no penalty for early payout" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "This comparison rate is based on a loan amount of $30,000 and a term of 5 years.", "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/PL-2-2", "source_snapshot": "/au/finance/car-loans/v1/source/imb-bank/PL-2-2.json", "bank_last_updated": "2026-10-02T00:00:00+10:00" }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "New_Wheels_Car_Loan", "product_name": "New Cars", "product_label": "New Cars", "product_url": "https://lcu.com.au/product/standard-car-loan/", "terms_url": "https://lcu.com.au/disclosure-documents", "car_loan_basis": "name", "record_stale": true, "record_correction": "\"For motor vehicles between 1 and 5 years old\", so not a new car loan", "record_correction_citations": [ { "quote": "For motor vehicles between 1 and 5 years old", "url": "https://lcu.com.au/car-loans/#:~:text=For%20motor%20vehicles%20between%201%20and%205%20years%20old", "document_sha256": "979a857dde2b12f6bf7cc990090f4f8c101b9f5df4ac074e4b200d0fe513a64c", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "For motor vehicles between 1 and 5 years old", "security": null, "term_min_months": null, "term_max_months": 120, "rate": 0.095, "rate_pct": 9.5, "rate_published_pct": 9.5, "rate_unreliable": false, "comparison_rate": 0.0979, "comparison_rate_pct": 9.79, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": 50000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "\"For motor vehicles between 1 and 5 years old\", so not a new car loan", "used vehicles only", "vehicles up to 5 years old", "vehicles between 1 and 5 years old", "new or used cars", "$200 application fee" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "INTEREST_ONLY", "additional_info": null, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/New_Wheels_Car_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/laboratories-credit-union/New_Wheels_Car_Loan.json", "bank_last_updated": "2026-07-06T23:41:56.000+10:00" }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "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", "record_stale": true, "record_correction": "\"For new motor vehicles up to 1 year old\", whatever the record's product id says", "record_correction_citations": [ { "quote": "For new motor vehicles up to 1 year old", "url": "https://lcu.com.au/car-loans/#:~:text=For%20new%20motor%20vehicles%20up%20to%201%20year%20old", "document_sha256": "979a857dde2b12f6bf7cc990090f4f8c101b9f5df4ac074e4b200d0fe513a64c", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "INTEREST_ONLY", "additional_info": null, "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" }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "Drive_Away_Car_Loan", "product_name": "Used Cars", "product_label": "Used Cars", "product_url": "https://lcu.com.au/product/standard-car-loan/", "terms_url": "https://lcu.com.au/disclosure-documents", 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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": [], "ranked": true, "unranked_reason": null, "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 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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 com…", "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" }, { "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "legal_entity_abn": "55077248983", "product_id": "fb1985b5-29aa-428a-9b75-a90734364ff4", "product_name": "Fresh start car loan", "product_label": "Fresh Start Car Loan", "product_url": "https://liberty.com.au/car-loans/fresh-start-car-loans", "terms_url": null, "car_loan_basis": "name", "record_stale": false, "record_correction": null, "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": 60, "rate": 0.1324, "rate_pct": 13.24, "rate_published_pct": 13.24, "rate_unreliable": false, "comparison_rate": 0.1582, "comparison_rate_pct": 15.82, "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": 50000.0, "max_lvr": null, "redraw": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [ "credit_impaired" ], "ranked": true, "unranked_reason": null, "conditions": [ "for borrowers with impaired credit", "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%", "equalisation (risk) fee from 2%" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Comparison rates are based on a secured $30,000 car loan over a 5-year term, with no balloon payment for a new car. 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 com…", "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/fb1985b5-29aa-428a-9b75-a90734364ff4", "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/fb1985b5-29aa-428a-9b75-a90734364ff4.json", "bank_last_updated": "2026-11-10T13:00:00Z" }, { "brand": "Liberty Financial", "brand_label": "Liberty Financial", "brand_slug": "liberty-financial", "legal_entity_abn": "55077248983", "product_id": "830aa2c3-49a7-4472-b1a7-87a10e7605c7", "product_name": "Low doc car loan", "product_label": "Low Doc Car Loan", "product_url": "https://liberty.com.au/car-loans/low-doc-car-loans", "terms_url": null, "car_loan_basis": "name", "record_stale": false, "record_correction": null, "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": 24, "term_max_months": 84, "rate": 0.0979, "rate_pct": 9.79, "rate_published_pct": 9.79, "rate_unreliable": false, "comparison_rate": null, "comparison_rate_pct": null, "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": false, "annual_fee": 120.0, "upfront_fees": null, "restrictions": [ "low_doc" ], "ranked": false, "unranked_reason": "no_comparison_rate", "conditions": [ "low-doc lending" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Variable interest rate starting from 9.79% p.a.", "source_url": "https://services.liberty.com.au/api/data-holder-public/cds-au/v1/banking/products/830aa2c3-49a7-4472-b1a7-87a10e7605c7", "source_snapshot": "/au/finance/car-loans/v1/source/liberty-financial/830aa2c3-49a7-4472-b1a7-87a10e7605c7.json", "bank_last_updated": "2026-11-10T13:00:00Z" }, { "brand": "MoveBank", "brand_label": "MoveBank", "brand_slug": "movebank", "legal_entity_abn": "91087651090", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "vehicles up to 20 years old" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Fixed for the full loan term (1 to 7 years).", "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" }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "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", "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", "record_correction_citations": [ { "quote": "For secured loans, you’ll get personalised fixed rates from 6.74% p.a. to 13.54% p.a. (comparison rates from 8.29% p.a. to 15.03% p.a. )", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=For%20secured%20loans%2C%20you%E2%80%99ll%20get,p.a.%20to%2015.03%25%20p.a.%20%29", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" }, { "quote": "You’re an existing personal NAB customer and registered for Internet Banking. You’re 21 years or older.", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=You%E2%80%99re%20an%20existing%20personal%20NAB,You%E2%80%99re%2021%20years%20or%20older.", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": 0.0599, "rate_pct": 5.99, "rate_published_pct": 5.99, "rate_unreliable": false, "comparison_rate": 0.0755, "comparison_rate_pct": 7.55, "comparison_basis": null, "rate_max_pct": 12.79, "comparison_rate_max_pct": 14.29, "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" ], "ranked": true, "unranked_reason": null, "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", "Electric, hybrid or low-emission vehicles only", "Rate depends on your credit history; up to 12.79%", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the minimum rate for the product NAB Car Loan for all-electric and plug-in hybrid cars. For information on the range of rates, please visit our NAB Car Loan product page.", "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" }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "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", "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", "record_correction_citations": [ { "quote": "For secured loans, you’ll get personalised fixed rates from 6.74% p.a. to 13.54% p.a. (comparison rates from 8.29% p.a. to 15.03% p.a. )", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=For%20secured%20loans%2C%20you%E2%80%99ll%20get,p.a.%20to%2015.03%25%20p.a.%20%29", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" }, { "quote": "You’re an existing personal NAB customer and registered for Internet Banking. You’re 21 years or older.", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=You%E2%80%99re%20an%20existing%20personal%20NAB,You%E2%80%99re%2021%20years%20or%20older.", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" } ], "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the minimum rate for the product NAB Car Loan. For information on the range of rates, please visit our NAB Car Loan product page.", "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" }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "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", "record_stale": true, "record_correction": null, "record_correction_citations": [ { "quote": "For secured loans, you’ll get personalised fixed rates from 6.74% p.a. to 13.54% p.a. (comparison rates from 8.29% p.a. to 15.03% p.a. )", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=For%20secured%20loans%2C%20you%E2%80%99ll%20get,p.a.%20to%2015.03%25%20p.a.%20%29", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" }, { "quote": "You’re an existing personal NAB customer and registered for Internet Banking. You’re 21 years or older.", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=You%E2%80%99re%20an%20existing%20personal%20NAB,You%E2%80%99re%2021%20years%20or%20older.", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": 0.1279, "rate_pct": 12.79, "rate_published_pct": 12.79, "rate_unreliable": false, "comparison_rate": 0.1429, "comparison_rate_pct": 14.29, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max", "existing_customers" ], "ranked": false, "unranked_reason": "range_upper", "conditions": [ "not updated by the bank since 2026-08-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Electric, hybrid or low-emission vehicles only", "the top of the bank's rate range", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the maximum rate for the product NAB Car Loan for all-electric and plug-in hybrid cars. For information on the range of rates, please visit our NAB Car Loan product page.", "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" }, { "brand": "NATIONAL AUSTRALIA BANK", "brand_label": "NAB", "brand_slug": "national-australia-bank", "legal_entity_abn": "12004044937", "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", "record_stale": true, "record_correction": null, "record_correction_citations": [ { "quote": "For secured loans, you’ll get personalised fixed rates from 6.74% p.a. to 13.54% p.a. (comparison rates from 8.29% p.a. to 15.03% p.a. )", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=For%20secured%20loans%2C%20you%E2%80%99ll%20get,p.a.%20to%2015.03%25%20p.a.%20%29", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" }, { "quote": "You’re an existing personal NAB customer and registered for Internet Banking. You’re 21 years or older.", "url": "https://www.nab.com.au/personal/personal-loans/car-loans/secured#:~:text=You%E2%80%99re%20an%20existing%20personal%20NAB,You%E2%80%99re%2021%20years%20or%20older.", "document_sha256": "50b8ba10b09687ff5e2a0def170c022a55d500f3000817ae36df3eafb92de06b", "confirmed": "2026-11-13" } ], "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": 0.1354, "rate_pct": 13.54, "rate_published_pct": 13.54, "rate_unreliable": false, "comparison_rate": 0.1503, "comparison_rate_pct": 15.03, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max", "existing_customers" ], "ranked": false, "unranked_reason": "range_upper", "conditions": [ "not updated by the bank since 2026-08-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "the top of the bank's rate range", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the maximum rate for the product NAB Car Loan. For information on the range of rates, please visit our NAB Car Loan product page.", "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" }, { "brand": "Newcastle Permanent", "brand_label": "Newcastle Permanent", "brand_slug": "newcastle-permanent", "legal_entity_abn": "96087651992", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05, after its changes following the 4 November rise", "record_correction_citations": [ { "quote": "Secured loan 6.49 % p.a. Comparison rate 6.84 %* p.a.", "url": "https://www.newcastlepermanent.com.au/personal/personal-and-car-loans" } ], "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-11-05, after its changes following the 4 November rise" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "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", "record_stale": true, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a differ…", "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" }, { "brand": "Northern Inland Credit Union Limited", "brand_label": "Northern Inland Credit Union", "brand_slug": "northern-inland-credit-union-limited", "legal_entity_abn": "36087650422", "product_id": "NICUL76F", "product_name": "Used Vehicle Loan", "product_label": "Used Vehicle Loan", "product_url": "https://www.nicu.com.au/personal-car-loans/car-loan", "terms_url": null, "car_loan_basis": "name", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "used" ], "vehicle_age_min": null, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "Secured by a vehicle up to 10 years old.", "security": "unsecured", "term_min_months": 12, "term_max_months": 60, "rate": 0.0949, "rate_pct": 9.49, "rate_published_pct": 9.49, "rate_unreliable": false, "comparison_rate": 0.1032, "comparison_rate_pct": 10.32, "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": 100000.0, "max_lvr": null, "redraw": true, "annual_fee": 96.0, "upfront_fees": 200.0, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "not updated by the bank since 2026-10-08, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "used vehicles only", "vehicles up to 10 years old" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a differ…", "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUL76F", "source_snapshot": "/au/finance/car-loans/v1/source/northern-inland-credit-union-limited/NICUL76F.json", "bank_last_updated": "2026-10-08T09:04:20.000+11:00" }, { "brand": "ORANGE CREDIT UNION LTD", "brand_label": "Orange Credit Union", "brand_slug": "orange-credit-union-ltd", "legal_entity_abn": "34087650477", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-30", "record_correction_citations": [ { "quote": "Interest Rate Comparison Rate New Car Loan 6.89% p.a. 7.26% p.a.", "url": "https://www.bankorange.com.au/borrow/personal-loans/car-loan/#:~:text=Interest%20Rate%20Comparison%20Rate%20New,Loan%206.89%25%20p.a.%207.26%25%20p.a.", "document_sha256": "0ec552808db858d0e4e41495b8b3a96ba0764c3b2de479ae8901f155795a2400", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "INTEREST_ONLY", "additional_info": "Credit eligibility criteria, terms and conditions, fees & charges apply. Comparison rate is based on a secured loan of $30,000 over 5 years. 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…", "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" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "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", "record_stale": false, "record_correction": null, "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, 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"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" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": 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" }, { "brand": "P&N Bank", "brand_label": "P&N Bank", "brand_slug": "p-n-bank", "legal_entity_abn": "69087651876", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": 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" }, { "brand": "P&N Bank", 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Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. Green Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loan…", "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/543d1619-baa1-483b-bdbf-8007957086bf", "source_snapshot": "/au/finance/car-loans/v1/source/people-first-and-heritage-bank/543d1619-baa1-483b-bdbf-8007957086bf.json", "bank_last_updated": "2026-06-03T14:00:22.974Z" }, { "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "legal_entity_abn": "95087650799", "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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-11-05", "record_correction_citations": [ { "quote": "Driveaway Car Loan 6.99 % pa Fixed rate* 7.13 % pa Comparison rate*", "url": "https://www.policebank.com.au/loans/car-loans/#:~:text=Driveaway%20Car%20Loan%206.99%20%25,7.13%20%25%20pa%20Comparison%20rate%2A", "document_sha256": "d75153224c61f3bb1f5f99114ceb6aa36c0660d73311ffa5ed94ea7aa53c8546", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Driveaway Car Loan Fixed Rate - Fixed Rate Terms: 1-7 Years - L9-C3", "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" }, { "brand": "Police Bank", "brand_label": "Police Bank", "brand_slug": "police-bank", "legal_entity_abn": "95087650799", "product_id": "cf8859b1-ae1e-4c09-be6b-40d9a205092d", "product_name": "Police Student Personal Loan", "product_label": "Student Personal Loan", "product_url": "https://www.policebank.com.au/forms/student-services", "terms_url": null, "car_loan_basis": "rate_text", "record_stale": true, "record_correction": null, "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": 0.063, "comparison_rate_pct": 6.3, "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": [ "student" ], "ranked": false, "unranked_reason": "restricted", "conditions": [ "not updated by the bank since 2026-09-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "students only" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Student Car Loan. 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Interest rate 7.50 % p.a. Comparison rate", "url": "https://www.qudosbank.com.au/products/personal-loans/car-loan#:~:text=Variable%20Interest%20Rate%207.29%20%25,7.50%20%25%20p.a.%20Comparison%20rate", "document_sha256": "f81cf50afdeccd247ee000d091bf371eb71189ec31783bb609ff3153dc428b79", "confirmed": "2026-11-13" }, { "quote": "Minimum amount $10,000. Borrow up to $150,000.", "url": "https://www.qudosbank.com.au/products/personal-loans/car-loan#:~:text=Minimum%20amount%20%2410%2C000.%20Borrow%20up%20to%20%24150%2C000.", "document_sha256": "f81cf50afdeccd247ee000d091bf371eb71189ec31783bb609ff3153dc428b79", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Shopping for a used car or motorcycle less than 5 years old? Enjoy a great rate.", "security": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0729, "rate_pct": 7.29, "rate_published_pct": 7.29, "rate_unreliable": false, "comparison_rate": 0.075, "comparison_rate_pct": 7.5, "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": false, "annual_fee": 0.0, "upfront_fees": 150.0, "restrictions": [ "existing_customers" ], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-10-30, though the record dates from 2026-02-27; minimum $10,000", "new vehicles only if electric", "vehicles up to 5 years old", "new customers are sent to Bank Australia car loans; Qudos page is for existing customers", "used car, motorcycle, caravan or boat less than 5 years old", "no early repayment fee" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/b9a4feb2-42b0-497d-b570-59ebbaee4fa2", "source_snapshot": "/au/finance/car-loans/v1/source/qudos-bank/b9a4feb2-42b0-497d-b570-59ebbaee4fa2.json", "bank_last_updated": "2026-02-27T04:23:05.899Z" }, { "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "legal_entity_abn": "77087651027", "product_id": "38", "product_name": "Personal Loan-Green Car Loan", "product_label": "Personal Loan-Green Car Loan", "product_url": "https://www.queenslandcountry.bank/banking/personal-loans/green-car-loan/", "terms_url": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "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": 0.0653, "comparison_rate_pct": 6.53, "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": 0.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": 0.0, "upfront_fees": 150.0, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only: Our Green Car Loan allows you to purchase any new or demonstrator Electric or Plug-In Hybrid Vehicle with an emissions…", "new or demonstrator green vehicles only", "borrow up to $150,000", "loan terms of up to 7 years", "6.24% is a special rate that may be withdrawn at any time (standard rate 6.49%)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.", "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/38", "source_snapshot": "/au/finance/car-loans/v1/source/queensland-country-bank/38.json", "bank_last_updated": "2026-11-13T00:00:23.8091263Z" }, { "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "legal_entity_abn": "77087651027", "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", "record_stale": false, "record_correction": null, "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" ], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "New Car Loan Special available for a limited time only. Available for the purchase of a new or demo vehicle. Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments. For new lending only. Not available for restructuring of existing Queensland Country l…", "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" }, { "brand": "Queensland Country Bank", "brand_label": "Queensland Country Bank", "brand_slug": "queensland-country-bank", "legal_entity_abn": "77087651027", "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", "record_stale": false, "record_correction": null, "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 the purchase of a car up to 5 years old.", "security": "secured", "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": 0.0838, "comparison_rate_pct": 8.38, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "vehicles up to 5 years old", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Available for the purchase of a car up to 5 years old. Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.", "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" }, { "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "legal_entity_abn": "83087651054", "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", "record_stale": true, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Available for new lending only. For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.", "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" }, { "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "legal_entity_abn": "83087651054", "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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "new", "used", "green" ], "vehicle_age_min": null, "vehicle_age_max": 2, "max_vehicle_age_months": 24, "vehicle_age_quote": "For cars under 2 years old.", "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": [], "ranked": true, "unranked_reason": null, "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", "vehicles up to 2 years old", "$120 document preparation fee" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "For cars under 2 years old. For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.", "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" }, { "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "legal_entity_abn": "83087651054", "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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "used" ], "vehicle_age_min": 2, "vehicle_age_max": null, "max_vehicle_age_months": null, "vehicle_age_quote": "For cars over 2 years old.", "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": [], "ranked": true, "unranked_reason": null, "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", "used vehicles only", "vehicles over 2 years old", "$120 document preparation fee" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "For cars over 2 years old. For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.", "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" }, { "brand": "RACQ Bank", "brand_label": "RACQ Bank", "brand_slug": "racq-bank", "legal_entity_abn": "83087651054", "product_id": "566", "product_name": "Green Car Loan", "product_label": "Green 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", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 60, "kind": "fixed", "vehicles": [ "green" ], "vehicle_age_min": null, "vehicle_age_max": 1, "max_vehicle_age_months": 12, "vehicle_age_quote": "For new electric cars no more than 12mths old.", "security": "secured", "term_min_months": null, "term_max_months": 60, "rate": 0.0749, "rate_pct": 7.49, "rate_published_pct": 7.49, "rate_unreliable": false, "comparison_rate": 0.0749, "comparison_rate_pct": 7.49, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 3000.0, "loan_max": 150000.0, "max_lvr": null, "redraw": false, "annual_fee": null, "upfront_fees": null, "restrictions": [], "ranked": true, "unranked_reason": null, "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", "Electric, hybrid or low-emission vehicles only", "vehicles up to 1 year old", "plug-in electric car up to 12 months old, new lending only", "$0 document preparation fee for Green Car Loan" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Available for new lending only. For new electric cars no more than 12mths old. The maximum fixed rate car loan term is 5 years.", "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/566", "source_snapshot": "/au/finance/car-loans/v1/source/racq-bank/566.json", "bank_last_updated": "2026-07-08T21:56:10Z" }, { "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "legal_entity_abn": "21087650360", "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", "record_stale": true, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Interest is per annum (p.a.). Available for vehicles aged under 5 years. The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or…", "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" }, { "brand": "Regional Australia Bank", "brand_label": "Regional Australia Bank", "brand_slug": "regional-australia-bank", "legal_entity_abn": "21087650360", "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", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "vehicle_age_min": 5, "vehicle_age_max": 10, "max_vehicle_age_months": 120, "vehicle_age_quote": "Available for vehicles aged 5-10 years.", "security": "secured", "term_min_months": null, "term_max_months": null, "rate": 0.1199, "rate_pct": 11.99, "rate_published_pct": 11.99, "rate_unreliable": false, "comparison_rate": 0.1232, "comparison_rate_pct": 12.32, "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": [], "ranked": true, "unranked_reason": null, "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", "used vehicles only", "vehicles 5 to 10 years old", "secured by a vehicle, motorcycle, boat or caravan", "maximum term 5 years" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Interest is per annum (p.a.). Available for vehicles aged 5-10 years. The Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. 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Interest rate 6.00 % p.a. Comparison rate Apply Online Learn more Features & fees Vehicles up to 36 months old", "url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/#:~:text=6.00%20%25%20p.a.%20Interest%20rate,up%20to%2036%20months%20old", "document_sha256": "cd92a146970f37405c0aad9cec596a6d9e6627f7c7d6818edd237714e8feb0b1", "confirmed": "2026-11-13" } ], "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": 84, "rate": 0.06, "rate_pct": 6.0, "rate_published_pct": 6.0, "rate_unreliable": false, "comparison_rate": 0.06, "comparison_rate_pct": 6.0, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-12-16", "vehicles up to 3 years old", "no application, account or establishment fees" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "INTEREST_ONLY", "additional_info": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L15_Disc_New_Car", "source_snapshot": "/au/finance/car-loans/v1/source/swsbank/L15_Disc_New_Car.json", "bank_last_updated": "2025-12-16T14:17:24.000+11:00" }, { "brand": "SWSbank", "brand_label": "SWS Bank", "brand_slug": "swsbank", "legal_entity_abn": "80087650673", "product_id": "L19_FR_VL", "product_name": "Fixed Rate Vehicle Loan", "product_label": "Fixed Rate 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", "record_stale": false, "record_correction": "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-12-17", "record_correction_citations": [ { "quote": "5.99 % p.a. Interest rate 5.99 % p.a. Comparison rate Apply online Learn more Features & fees Vehicles up to 36 months old Fixed rate loan", "url": "https://www.swsbank.com.au/loans/vehicle-loans/all-vehicle-loans/#:~:text=5.99%20%25%20p.a.%20Interest%20rate,months%20old%20Fixed%20rate%20loan", "document_sha256": "cd92a146970f37405c0aad9cec596a6d9e6627f7c7d6818edd237714e8feb0b1", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": null, "kind": "fixed", "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 Fixed rate loan", "security": null, "term_min_months": null, "term_max_months": null, "rate": 0.0599, "rate_pct": 5.99, "rate_published_pct": 5.99, "rate_unreliable": false, "comparison_rate": 0.0599, "comparison_rate_pct": 5.99, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-10-18, though the record dates from 2025-12-17", "vehicles up to 3 years old", "no application, account or establishment fees", "loan term 7 years at the fixed rate; repayments here are estimated over 60 months", "car, boat, caravan or float" ], "loan_purpose_raw": "UNCONSTRAINED", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/L19_FR_VL", "source_snapshot": "/au/finance/car-loans/v1/source/swsbank/L19_FR_VL.json", "bank_last_updated": "2025-12-17T09:50:28.000+11:00" }, { "brand": "Teachers Mutual Bank", "brand_label": "Teachers Mutual Bank", "brand_slug": "teachers-mutual-bank", "legal_entity_abn": "30087650459", "product_id": "656564ed-a9d6-4270-b7eb-29a3ce5bb34f", "product_name": "Car Loan", "product_label": "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", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "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 buy the car of your dreams, whether it's a new or used car up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": 72, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1021, "comparison_rate_pct": 10.21, "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": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "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", "no fee for extra repayments on the variable loan", "variable loan terms up to 6 years" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Loan term up to 6 years. 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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)", "record_correction_citations": [ { "quote": "Seeking a loan to purchase a brand new motor vehicle, motor bike, boat, jet ski, caravan and/or a motor home", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=Seeking%20a%20loan%20to%20purchase,caravan%20and%2For%20a%20motor%20home", "document_sha256": "4f982758504d005f7b42629d6d60d2c96efb7db38646b00afa75243995d134a5", "confirmed": "2026-11-13" }, { "quote": "used vehicle cannot be more than 7 years old", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=used%20vehicle%20cannot%20be%20more%20than%207%20years%20old", "document_sha256": "4f982758504d005f7b42629d6d60d2c96efb7db38646b00afa75243995d134a5", "confirmed": "2026-11-13" }, { "quote": "Fully secured personal loan (up to 7 years) 7.43% p.a 7.78% p.a Partially secured personal loan (up to 5 years) 9.94% p.a 10.30% p.a", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=Fully%20secured%20personal%20loan%20%28up,years%29%209.94%25%20p.a%2010.30%25%20p.a", "document_sha256": "6263d4aafea292fff78c7d27ee5b61e09f61dc44c6754fd04b210581739ac23c", "confirmed": "2026-11-11" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Fully secured personal loan. Comparison rate based on $25,000 loan over 5 years. 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.", "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" }, { "brand": "The Capricornian", "brand_label": "The Capricornian", "brand_slug": "the-capricornian", "legal_entity_abn": "54087650940", "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", "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)", "record_correction_citations": [ { "quote": "Seeking a loan to purchase a brand new motor vehicle, motor bike, boat, jet ski, caravan and/or a motor home", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=Seeking%20a%20loan%20to%20purchase,caravan%20and%2For%20a%20motor%20home", "document_sha256": "4f982758504d005f7b42629d6d60d2c96efb7db38646b00afa75243995d134a5", "confirmed": "2026-11-13" }, { "quote": "used vehicle cannot be more than 7 years old", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=used%20vehicle%20cannot%20be%20more%20than%207%20years%20old", "document_sha256": "4f982758504d005f7b42629d6d60d2c96efb7db38646b00afa75243995d134a5", "confirmed": "2026-11-13" }, { "quote": "Fully secured personal loan (up to 7 years) 7.43% p.a 7.78% p.a Partially secured personal loan (up to 5 years) 9.94% p.a 10.30% p.a", "url": "https://www.capricornian.com.au/loans/car-loans/#:~:text=Fully%20secured%20personal%20loan%20%28up,years%29%209.94%25%20p.a%2010.30%25%20p.a", "document_sha256": "6263d4aafea292fff78c7d27ee5b61e09f61dc44c6754fd04b210581739ac23c", "confirmed": "2026-11-11" } ], "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": "used vehicle cannot be more than 7 years old", "security": "partially_secured", "term_min_months": null, "term_max_months": null, "rate": 0.1019, "rate_pct": 10.19, "rate_published_pct": 10.19, "rate_unreliable": false, "comparison_rate": 0.1055, "comparison_rate_pct": 10.55, "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": [], "ranked": true, "unranked_reason": null, "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)", "vehicles up to 7 years old", "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "UNCONSTRAINED", "additional_info": "Partially secured personal loan. Comparison rate based on $25,000 loan over 5 years. 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.", "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" }, { "brand": "The Mac", "brand_label": "The Mac", "brand_slug": "the-mac", "legal_entity_abn": "83087650244", "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", "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)", "record_correction_citations": [ { "quote": "Minimum Amount : $0 Maximum Amount : $100,000 Additional Repayments Accepted : Yes Additional Repayments Fee : $0", "url": "https://themaccu.com.au/car-personal-loans/car-loan/new-car-loan/#:~:text=Minimum%20Amount%20%3A%20%240%20Maximum,Additional%20Repayments%20Fee%20%3A%20%240", "document_sha256": "5027be05be7395887372fc54083c0217644343a6de4d1cc71c756a053a9b872c", "confirmed": "2026-11-13" } ], "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "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" }, { "brand": "Maitland Mutual Limited", "brand_label": "The Mutual Bank", "brand_slug": "maitland-mutual-limited", "legal_entity_abn": "94087651983", "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", "record_stale": true, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": 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" }, { "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "legal_entity_abn": "78087650600", "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", "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", "record_correction_citations": [ { "quote": "Drive away in your new car up to 5 years old with our New car Loan 7.39 % p.a. Interest rate 7.70 % p.a. 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"redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "INVESTMENT", "repayment_type_raw": "INTEREST_ONLY", "additional_info": null, "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" }, { "brand": "TMCU", "brand_label": "Transport Mutual Credit Union", "brand_slug": "tmcu", "legal_entity_abn": "78087650600", "product_id": "L80_FASTROAD_USED_CAR_LOAN", "product_name": "FASTROAD USED CAR LOAN", "product_label": "Fastroad Used Car Loan", "product_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-used-car-loan/", "terms_url": "https://www.transportmutual.com.au/loans/car-loans/fastroad-used-car-loan/", "car_loan_basis": "name", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "used" ], "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": 0.0939, "rate_pct": 9.39, "rate_published_pct": 9.39, "rate_unreliable": false, "comparison_rate": 0.097, "comparison_rate_pct": 9.7, "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": 245.0, 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"name", "record_stale": false, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "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": 0.0745, "comparison_rate_pct": 7.45, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "risk_based": false, "credit_band": null, "loan_min": 1000.0, "loan_max": null, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": null, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only", "also finances energy-efficient equipment (e-bikes, solar, batteries), not only cars", "maximum term 7 years", "$220 establishment 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10, "max_vehicle_age_months": 120, "vehicle_age_quote": "With our car loan you can buy the car of your dreams, whether it's a new or used car up to 10 years old.", "security": null, "term_min_months": null, "term_max_months": 72, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1021, "comparison_rate_pct": 10.21, "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": 80000.0, "max_lvr": null, "redraw": true, "annual_fee": null, "upfront_fees": 150.0, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "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)" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "Loan term up to 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for Car Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. 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secured", "record_correction_citations": [ { "quote": "Interest Type Fixed Security Secured (eligible vehicles up to 5 years old)", "url": "https://www.unity.bank/personal-loans/buy-a-car/green-car-loan/#:~:text=Interest%20Type%20Fixed%20Security%20Secured,up%20to%205%20years%20old%29", "document_sha256": "053ba7758433a4b536f420bea68214e56cf7cff0180dcc256a576dbdfbf3e515", "confirmed": "2026-11-13" } ], "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed", "vehicles": [ "green" ], "vehicle_age_min": null, "vehicle_age_max": 5, "max_vehicle_age_months": 60, "vehicle_age_quote": "Hybrid and Electric Vehicles (EV) up to 5 years old, emitting less than 120g of CO2 per kilometre (Combined) as per the Green Vehicle Guide website.", "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": 0.0649, "comparison_rate_pct": 6.49, "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": null, "restrictions": [], "ranked": true, "unranked_reason": null, "conditions": [ "confirmed on the bank's website on 2026-10-30; secured", "Electric, hybrid or low-emission vehicles only: A car loan to reward members with a low rate for choosing an eco-friendly, lower emissions car Individuals must have th…", "vehicles up to 5 years old" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/L71_GREEN_CAR_LOAN_PRIN", "source_snapshot": "/au/finance/car-loans/v1/source/unity-bank/L71_GREEN_CAR_LOAN_PRIN.json", "bank_last_updated": "2026-06-11T16:27:11.000+10:00" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0574, "rate_pct": 5.74, "rate_published_pct": 5.74, "rate_unreliable": false, "comparison_rate": 0.0716, "comparison_rate_pct": 7.16, "comparison_basis": null, "rate_max_pct": 10.29, "comparison_rate_max_pct": 11.66, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only", "Rate depends on your credit history; up to 10.29%", "$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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is for the EV New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "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": [], "ranked": true, "unranked_reason": null, "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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the minimum rate for the New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": 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": 10.29, "comparison_rate_max_pct": 11.66, "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": [], "ranked": true, "unranked_reason": null, "conditions": [ "Electric, hybrid or low-emission vehicles only", "Rate depends on your credit history; up to 10.29%", "$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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the minimum rate for the New Hybrid Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.0999, "rate_pct": 9.99, "rate_published_pct": 9.99, "rate_unreliable": false, "comparison_rate": 0.1136, "comparison_rate_pct": 11.36, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "conditions": [ "Electric, hybrid or low-emission vehicles only", "the top of the bank's rate range", "$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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the maximum rate for the EV New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 84, "kind": "fixed", "vehicles": [ "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": null, "term_min_months": 12, "term_max_months": 84, "rate": 0.1029, "rate_pct": 10.29, "rate_published_pct": 10.29, "rate_unreliable": false, "comparison_rate": 0.1166, "comparison_rate_pct": 11.66, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "conditions": [ "Electric, hybrid or low-emission vehicles only", "the top of the bank's rate range", "$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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the maximum rate for the New Hybrid Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "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", "record_stale": false, "record_correction": null, "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": 0.1299, "rate_pct": 12.99, "rate_published_pct": 12.99, "rate_unreliable": false, "comparison_rate": 0.1434, "comparison_rate_pct": 14.34, "comparison_basis": null, "rate_max_pct": null, "comparison_rate_max_pct": null, "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": [ "range_max" ], "ranked": false, "unranked_reason": "range_upper", "conditions": [ "new vehicles only", "the top of the bank's rate range", "$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" ], "loan_purpose_raw": "OTHER", "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": "The rate displayed is the maximum rate for the New Car product. For information on the full rate range, please visit the Car Loan product page, contact us on 132 032 or visit your nearest branch.", "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" }, { "brand": "Woolworths Team Bank", "brand_label": "Woolworths Team Bank", "brand_slug": "woolworths-team-bank", "legal_entity_abn": "67087651803", "product_id": "Electric_Vehicle_Loan", "product_name": "Electric Vehicle Loan", "product_label": "Electric Vehicle Loan", "product_url": "https://www.woolworthsteambank.com.au/electric-vehicle-loan/", "terms_url": "https://woolworthsteambank.com.au", "car_loan_basis": "name", "record_stale": false, "record_correction": "rate confirmed on the bank's website on 2026-10-30, though the record dates from 2025-11-26; the comparison rate is the website's 6.54% (the feed gives 6.63%); members only", "record_correction_citations": [ { "quote": "Electric Vehicle Loan Variable Interest Rate 6.19% p.a Interest rate 6.54%^ p.a Comparison rate", "url": "https://www.woolworthsteambank.com.au/electric-vehicle-loan/#:~:text=Electric%20Vehicle%20Loan%20Variable%20Interest,rate%206.54%25%5E%20p.a%20Comparison%20rate", "document_sha256": "07be14b300c226d97efaca446b04ec5676f5fb6838d94e5ab8c3b18644882644", "confirmed": "2026-11-13" }, { "quote": "7 years old or less from year of manufacture", "url": "https://www.woolworthsteambank.com.au/electric-vehicle-loan/#:~:text=7%20years%20old%20or%20less%20from%20year%20of%20manufacture", "document_sha256": "07be14b300c226d97efaca446b04ec5676f5fb6838d94e5ab8c3b18644882644", "confirmed": "2026-11-13" } ], "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "vehicles": [ "green" ], "vehicle_age_min": null, "vehicle_age_max": 7, "max_vehicle_age_months": 84, "vehicle_age_quote": "7 years old or less from year of manufacture", "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": 0.0654, "comparison_rate_pct": 6.54, "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": false, "annual_fee": null, "upfront_fees": null, "restrictions": [ "occupation_membership" ], "ranked": true, "unranked_reason": null, "conditions": [ "rate confirmed on the bank's website on 2026-10-30, though the record dates from 2025-11-26; 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check its page, as the rate may have changed", "used 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; $60,000 maximum for a used vehicle", "up to 6 years for used cars", "used vehicle up to 7 years old", "secured by a bill of sale over the vehicle" ], "loan_purpose_raw": null, "repayment_type_raw": "PRINCIPAL_AND_INTEREST", "additional_info": null, "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/Used_Car_Loan", "source_snapshot": "/au/finance/car-loans/v1/source/woolworths-team-bank/Used_Car_Loan.json", "bank_last_updated": "2026-03-31T16:51:02.000+11:00" } ] }