Help & support
Secured Fixed Rate Car Loan rate
(usually 6.29%-10.29% p.a.)
Secured Fixed Rate Car Loan comparison rate
(usually 7.71% p.a. - 11.66% p.a.)
For business use, there is no maximum amount.
For personal use, the maximum you can borrow online for a secured loan is $120,000 or $50,000 for an unsecured loan. If you need more you’ll need to pay the difference, or for a secured loan you’ll need to contact 13 1431 to discuss your needs.
Yes, approvals for personal use are valid for 60 days and business use for 90 days.
For business use only, if your delivery looks like it may take longer than 180 days, please contact us and we’ll work with you to find the best approach.
For business use, yes you can providing you purchased it less than 12 months ago.
For personal use, yes if you still have proof of purchase, but only on an unsecured loan.
For business, yes you can.
For personal, yes providing it’s provided by the dealer, listed on the same invoice as the car and total loan amount is not more than 120% of the car’s value.
There may be a variety of incentives available based on the state in which you’re registering your vehicle. Federal incentives may also be available depending on how you buy and finance. We recommend you check for any state or federal government incentives including eligibility criteria prior to applying.
If you indicate you’d like to talk to us, one of our specialists will typically be in touch within 1 business day. The approval process is fairly easy if you’re able to provide us with the information we need to move forward.
Information and interest rates are current as at 3 November 2025 and are subject to change. The information on this page doesn’t consider your individual objectives, financial situation or needs. Before basing any decisions on this information, please consider:
` Offer available for a limited time. Apply and fund an Unsecured Fixed Rate or Unsecured Variable Rate Personal Loan between 3 November 2025 and 23 February 2026 to save $250 on the establishment fee (comparison rate calculations are inclusive of this offer).
Unsecured Fixed Rate Personal Loan interest rate ranges (with energy-efficient discount applied) are set out below. Comparison rates and examples are based on a $30,000 unsecured fixed rate loan over 5 years:
Unsecured Variable Rate Personal Loan interest rate ranges (with energy-efficient discount applied) are set out below. Comparison rates and examples are based on a $30,000 unsecured variable rate loan over 5 years:
+ Eligible vehicles must be fully electric, or plug-in hybrids emitting less than 75g C02 emissions per kilometre. If you're using the car as security it must be no more than seven years old, not currently under finance and have an active comprehensive insurance policy. The comprehensive insurance policy must be organised prior to loan funding.
~~ If you need to borrow more than $120,000 for a secured loan, please call us on 13 1431 to discuss your needs.
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 Your borrowing capacity depends on a range of factors such as your credit score.
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 are payable.
** Comparison rates are calculated based on an unsecured loan of $30,000 and a secured loan of $30,000, over a term of five years.
- WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
3 Interest rates at the lower end of our range, for example 6.99%/6.99% p.a. (comparison rate 8.04%/8.04% p.a.), may be offered to low risk 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 which 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.
^^ Our repayment calculator will estimate repayments based on the interest rates 5.99%/7.99%/7.99% p.a. (comparison rate 7.41%/9.03%/9.03% p.a.) and your selected loan amount, loan term and loan type.
To find out more details about the award CommBank has received from Canstar, please go to https://www.canstar.com.au.
Credit provided by Commonwealth Bank of Australia.