Buy or sell used cars privately with confidence

^~ Offer available for a limited time when you both apply and fund a Secured Fixed Rate Car Loan between 31 March and 30 June 2026 to save $250 on the establishment fee (comparison rate calculations are inclusive of this offer).

We reserve the right to close or vary this offer at any time.

This guide doesn’t consider your individual objectives, financial situation or needs. Before basing any decisions on this information, please consider:

• its appropriateness to your circumstances
• obtaining professional advice specific to your needs, including financial, taxation and legal advice
   

Vehicle Exchange Made Easy (VEME)

VEME is a platform designed to support customers throughout the second-hand vehicle exchange process. It helps verify the identities of parties, check vehicle history, facilitate secure payment, and assist with vehicle handover. The VEME platform, and the services associated with it, are hosted and managed by Vehicle Exchange Online Pty Ltd (ABN 97 665 759 106) (VEME). VEME is not part of the Commonwealth Bank of Australia (CommBank) Group.
 
Vehicle sales and transactions conducted via the VEME platform are not carried out by CommBank. CommBank is not responsible for any vehicle sales or transactions on the platform. CommBank does not warrant, guarantee, or endorse the accuracy, completeness, or reliability of any information or representations on the VEME platform. You use VEME’s services at your own discretion and assume responsibility for your use. To the extent permitted by law, CommBank is not liable for any loss or damage arising from your use of, or reliance on, the VEME platform or its content.

Unsecured Fixed Rate Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 unsecured fixed rate loan over 5 years:

• Interest rates range from 7.25%² p.a. to 22.25% p.a. (comparison rate from 8.65% p.a. to 23.53% p.a.). The estimated total amount payable including fees is between $37,005 and $51,120
• The representative rate is 16.25%³ p.a. (17.57% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $45,162

Unsecured Variable Rate Personal Loan interest rate ranges and the representative rate are set out below. Comparison rates and examples are based on a $30,000 unsecured variable rate loan over 5 years:

• Interest rates range from 7.25%² p.a. to 22.25% p.a. (comparison rate from 8.65% p.a. to 23.53% p.a.). The estimated total amount payable including fees is between $37,005 and $51,120
• The representative rate is 16.25%³ p.a. (17.57% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $45,162

Secured Fixed Rate Car Loan interest rate ranges and the representative rates are set out below. Comparison rates and examples are based on a $30,000 secured loan over 5 years:

• Interest rates range from 6.79%² p.a. to 10.79% p.a. (comparison rate from 7.84% p.a. to 11.79% p.a.). The estimated total amount payable including fees is between $36,364 and $39,848
• The representative rate is 8.79%³ p.a. (9.82% p.a. comparison rate), based on this representative rate the estimated total amount payable including fees is $38,082

^{^} The car you’re using as a security must be up to seven years old, not currently under finance and has an active comprehensive insurance policy. The comprehensive insurance policy must be organised prior to loan funding.

¹ Additional repayments made on a fixed rate and secured fixed rate car loan are not available to be redrawn. An early repayment adjustment is charged if loan is fully repaid with 12 or more months remaining on loan term, and we reasonably estimate we will incur a loss or administrative cost. View the Personal Loan Terms and Conditions.

² Interest rates at the lower end of our range, for example 7.25%/7.25%/6.79% p.a. (comparison rate 8.65%/8.65%/7.84% p.a.), may be offered to customers with an excellent credit history.

An excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.

Actions that can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub.

³ At least half of our approved customers will receive the representative rate or lower.

Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application.

⁴ Secured Fixed Rate Car Loan fees & charges are as follows:

Fees that will apply

Fees that may apply

⁵ Fixed Rate Personal Loan fees & charges are as follows:

Fees that will apply

Fees that may apply

⁶ Variable Rate Personal Loan fees & charges are as follows:

Fees that will apply

Fees that may apply

Please consider all upfront and ongoing fees and charges when applying for a new Personal Loan to ensure your loan is able to meet your needs.

Terms and conditions, fees and charges and credit criteria apply.

Applications for finance are subject to the Bank’s normal credit approval. View the Personal Loan Terms and Conditions. Full terms and conditions will be included in our loan offer. Fees and charges payable. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.