A clearer path to a competitive rate
National Loans compares car loan options from more than 50 lenders, helping you understand your choices and find a loan that fits your needs
- Rapid approvals that put you behind the wheel faster
- A curated panel of leading car finance lenders
- Sharp car loan rates that deliver value without compromise
- Expert guidance from specialists who know the market inside out
- Versatile loan options engineered for a smoother journey
We’ll Help Finance Whatever You Drive
Buying for yourself or your business? Upgrading or refinancing? We can help you find competitive finance for hatchbacks, SUVs, utes, 4WDs, luxury cars and more.
Leading lenders we work with
We partner with a wide range of Australian lenders to give you more choice, better car loan rates and finance options.
3 Steps and You’re on Your Way
We know finance feels complicated. That’s why we make it three steps, no stress.
Complete your Online Quote
In the next 5 minutes
Fill out our simple application form in under 5 minutes and let our loan experts take it from there
Application Review Across 50+ Lenders
Carefully matched to your profile
We assess your application and source competitive options from our network of 50+ lenders while protecting your credit file
You’re on Your Way!
Fast Approval and Funding
Secure finance in as little as 1 hour and drive away sooner with a deal that suits you
Why Choose National Loans
We help Australians find the best car loan rates quickly, confidently and without unnecessary credit checks
2,800+ 5-star Reviews
We Work For You Always
Access Lower Rates
Better Lender Matching
Protect Your Credit Score
Fast and Easy Approval
Low Credit Solutions
Free Car Finder Service
5-Star Service 5‑Star Reviews
Trusted by thousands of Australians for fast approvals and stress-free finance
FAQs
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What determines my car loan interest rate?
What is a good car loan rate in Australia?
Are fixed or variable car loan rates better?
Fixed rates offer consistent repayments and protection from rate rises, while variable rates can fluctuate and may offer flexibility. The right choice depends on your preference for certainty versus flexibility.
Do new and used cars have different loan rates?
Yes. New cars often attract lower rates, while used vehicles, especially older models, may carry slightly higher rates due to greater lending risk.
Can I get a lower car loan rate?
In many cases, yes. A strong credit score, stable income, and a deposit can all help improve the car loan rate you are offered. Working with a broker like National Loans can also help you access a broader range of lending options.
What is a comparison rate?
A comparison rate includes the interest rate plus most fees and charges, giving you a more accurate picture of the total loan cost.
How much can I borrow for a car loan?
This depends on your income, expenses, and overall financial situation. Lenders assess your ability to comfortably manage repayments before approving a loan amount.
Do I need a deposit for a car loan?
Not always, but having a deposit can reduce your loan amount and may help you secure a more competitive car loan rate.
Can I repay my car loan early?
Many lenders allow early repayments, although some may charge fees. It is important to check the terms and flexibility of your loan before committing.
How quickly can I get approved?
Approval times vary, but many car loans can be processed within 24 to 48 hours. If you have the required documents ready, we at National Loans can help streamline the process.
Ready to compare your car loan rates?
It only takes a few minutes. No credit impact. No obligation. Your best-fit loan – just a few questions away.
Copyright © 2026 National Loans. All Rights Reserved.
* National Loans Pty Ltd (ABN 30 163 237 143), Australian Credit Licence #480781. The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user-inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed. By submitting an inquiry, National Loans will pass on your details to one of our network of Licensed Finance Brokers to assist.
