Important disclosure
RateCity Car Loan Award Winners
Finding Australia’s most competitive car loans is now easier. Discover the loans that have received a coveted RateCity Gold Award.
Product Car Loan Real Time Rating™ | Interest Rate From 6.25 % p.a Fixed | Comparison Rate* 6.88 % p.a | Company | Monthly repayment $583 | Loan amount $2k to $75k | Total repayments $35,009 | Real Time Rating™ | Go to site |  Buying a new or second-hand car? Make a fast and simple online application today and enjoy no ongoing fees or early repayment fees. | Highlighted | |
Product New - Prime Special (Variable) Real Time Rating™ | Interest Rate 3.74 % p.a Variable | Comparison Rate* 4.28 % p.a | Company | Monthly repayment $549 | Loan amount $5k to $100k | Total repayments $32,939 | Real Time Rating™ | Go to site | special You could win a $1,000 fuel voucher ~ Ends in 5 months | Drive away with a competitive interest rate, unlimited extra repayments and no ongoing fees. Apply online and you may be approved within 24 hours. | |
Product Car Loan Real Time Rating™ | Interest Rate From 5.59 % p.a Fixed | Comparison Rate* 6.44 % p.a | Company | Monthly repayment $574 | Loan amount $5k to $79k | Total repayments $34,457 | Real Time Rating™ | Go to site | Tech-savvy new or used car buyers can complete a convenient online application with this digital lender, and pay no ongoing fees or early repayment fees. | ||
Product New Car Loan Real Time Rating™ | Interest Rate From 4.24 % p.a Fixed | Comparison Rate* 5.18 % p.a | Company | Monthly repayment $556 | Loan amount $10k to $150k | Total repayments $33,345 | Real Time Rating™ | Go to site | Enjoy the freedom of choosing a new or used car, as well as the certainty of a fixed-rate car loan. | ||
Product New Car Loan Real Time Rating™ | Interest Rate 5.39 % p.a Fixed | Comparison Rate* 6.98 % p.a | Company | Monthly repayment $572 | Loan amount $10k to $250k | Total repayments $34,291 | Real Time Rating™ | Go to site | |||
Product Green Car Loan Real Time Rating™ | Interest Rate From 3.99 % p.a Fixed | Comparison Rate* 4.93 % p.a | Company | Monthly repayment $552 | Loan amount $10k to $150k | Total repayments $33,142 | Real Time Rating™ | Go to site | |||
Product Green Car Loan Real Time Rating™ | Interest Rate 3.64 % p.a Variable | Comparison Rate* 4.18 % p.a | Company | Monthly repayment $548 | Loan amount $5k to $100k | Total repayments $32,858 | Real Time Rating™ | Go to site | special You could win a $1,000 fuel voucher ~ Ends in 5 months | ||
Product Used Car Loan Real Time Rating™ | Interest Rate From 4.84 % p.a Fixed | Comparison Rate* 5.39 % p.a | Company | Monthly repayment $564 | Loan amount $10k to $150k | Total repayments $33,836 | Real Time Rating™ | Go to site | |||
Product Car Loan Real Time Rating™ Winner of Best Used Car Loans, RateCity Gold Awards 2022 | Interest Rate 4.89 % p.a Fixed | Comparison Rate* 5.53 % p.a | Company | Monthly repayment $565 | Loan amount $5k to $100k | Total repayments $33,878 | Real Time Rating™ | Go to site | Winner of Best Used Car Loans, RateCity Gold Awards 2022 | ||
Product Used Car Loan Real Time Rating™ | Interest Rate 5.44 % p.a Fixed | Comparison Rate* 7.03 % p.a | Company | Monthly repayment $572 | Loan amount $10k to $250k | Total repayments $34,332 | Real Time Rating™ | Go to site |
With more than 13 years of experience in financial product comparison, RateCity has been rating products using our world-first Real Time Ratings™ system since 2016.
The cornerstone of our awards, RateCity’s Real Time Ratings™ is Australia's most up-to-date product rankings. This ratings system rates every car loan in our database a score out of five, based on factors such as rate, fees, features, and flexibility. Almost 300 car loans are analysed and compared from a range of lenders and providers, and only the top 10 per cent are given a RateCity Gold Award.
It’s not uncommon for other awards systems to overlook changes made to car loans, such as rate cuts and special promotions, as most rating systems only compare products once or twice annually. With RateCity’s Real Time Ratings™, each and every car loan is re-rated and ranked daily, so you can rest assured that changes to car loan products are tracked and accounted for in our rankings.
The RateCity Gold Award Car Loan winners are selected based on daily averages of Real Time Ratings™ scores over a six-month period to identify the most consistent top performers in each category. RateCity’s car loan award winners are selected twice a year, so you know the rankings remain up-to-date.
We understand that car loan borrowers may have different needs, which is why RateCity has formed five different award categories to help you choose the right product for you.
To ensure integrity in our awards process, RateCity does not charge lenders to be listed, rated, or to receive an award.
While these industry awards recognise consistent performers, you should review the most current Real Time Rating™ scores on our website and consider your personal financial situation before selecting a financial product that’s right for you.