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Looking to buy a car?

  • The car you're buying is new or less than 5 years old
  • You're borrowing $10,000 or more, over a term of 1 to 5 years
  • You want the certainty that comes from fixed repayments over the life of the loan.
  • A lower interest rate than on an unsecured loan by using the new car (or less than 5 years old) as security for a secured personal loan
  • The confidence of knowing exactly how much you have to spend while looking for the right car with conditional approval
  • The ability to make extra repayments of up to an additional $1,000 per year^.

Rates and fees

Rate type

Interest Rate

Fixed rate

From 6.99% p.a. #

Comparison rate

From 8.05% p.a. based on a $30,000 secured loan over five years

WARNING: This comparison rate is true only for the example or examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. 

Fee type



Establishment fee

Upfront cost payable when accepting a loan


Loan service fee

Monthly charge to cover costs of keeping account active

$10 per month

Ready to apply?

  • The loan amount can be for the full or partial purchase price depending on whether you’ve paid a deposit
  • You should be using the full loan amount to purchase the car (not refinancing an existing loan, paying for insurance and other costs associated with owning a car)
  • The car you're buying shouldn't have finance owing on it
  • You're unable to use our Secured Car Loan to buy a caravan, motorbike, commercial vehicle or truck.

Already found a car? Make sure you've got your supporting documentation ready to fast track your application.


Explore: Tell us about the car you want and explore your loan and repayment options.


About you: Tell us a bit more about you and your finances.


Review and submit: Once we have your application, we'll review and give you a response within 60 secs.


Find your car: If conditionally approved, you have up to 30 days to find a car within your approved limit. 


Drop into a branch: Get your supporting documentation and visit a branch to fund the loan. 

Save time and apply online. It's safe and easy.


Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online


  • Call us on 13 14 31, 8am – 8pm, seven days
  • Visit your local branch

Things you should know

The Secured Car Loan will be referred to as Fixed Rate Secured Personal Loan on contract documentation.

^ Additional repayments made on a Fixed Rate Loan are not available to be redrawn.

#Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document.

Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges apply. View the Personal Loan Terms and Conditions.