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loans.com.au car loans

loans.com.au is an Australian online-only, non-bank lender. It provides car loans for vehicles bought through a dealership, as well as home loans.

Founded in 2011, its parent company Firstmac is Australia’s largest non-bank lender and has been in the personal finance market for nearly 40 years.

loans.com.au serves thousands of customers in every state and territory in Australia. While it has no physical branches, the lender operates a call centre from Brisbane.

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Georgia Brown
Georgia Brown

Personal Finance Editor

Content updated

Product data updated

Why choose loans.com.au


  • Option for balloon payment
  • Discount for environmentally friendly cars
  • Loans for new and used cars available


  • Establishment fee charged
  • No branches

loans.com.au Car Loans

Car Loans calculator

Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios.

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  1. This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
  2. Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
  3. Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
  4. Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
  5. The calculation rounds of the car loan repayment to the closest dollar value without decimals.
  • All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
  • Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
  • Calculator does not include the cost of fees or other extra charges.
  • Calculator does not account for changes to interest rates over time.
  • This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.