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This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about Car Loans from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers, for further details refer to our FSCG. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a Car Loan, you will deal directly with a financial institution, and not with RateCity.

Fixed Rate Car Loans

Need some help? Checkout our Car Loans Guide

Fixed Rate Car Loans

Fixed Rate Car Loans are much the same as any fixed rate loan because the interest rate is set by the lender at the start of the loan and does not change over the entire loan term. This is different to a variable rate car loan where the interest rate is unstable and can move at any time by the lender’s discretion.

Even though variable rates are volatile, if you follow the interest rate cycle you may be able to estimate whether variable rates are likely to rise or fall and whether it’s a good idea to choose between variable and fixed rate car loans. If interest rates are on the rise, people are more concerned for their repayments to rise and this is the time that most people look to choosing a fixed rate. However, fixed rate car loans are generally more expensive than variable rates so make sure you do the math and check the difference in repayment costs before deciding which option is best for you.

Start comparing fixed rate car loans from the table above

6 Products found

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Product
Comparison
Rate
Monthly
Repayment
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IMB
8.55%
Fixed
8.73%
$125
$616.22
Commonwealth Bank
10.99%
Fixed
12.02%
$250
$662.13
Aussie Home Loans
13.39%
Fixed
14.33%
$199
$698.6
Aussie Home Loans
13.9%
Fixed
14.84%
$199
$706.5
ANZ
13.95%
Fixed
14.78%
$150
$697.28
Commonwealth Bank
14.15%
Fixed
15.01%
$150
$710.39

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