Personal loan · Secured · Fixed
Car Loan
6.84%comparison rate p.a.
from 6.49% advertised · Secured · fixed · car loan
14th of 98 secured loans
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Fees: $250 application.
- Advertised rate
- from 6.49% p.a.
- Application fee
- $250
- Loan amount
- $20,000 – $100,000
- Minimum age
- 18
- Comparison rate
- 6.84% p.a.
- Monthly fee
- None
- Advertised rate
- from 6.49% p.a.
- Comparison rate
- 6.84% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $100
- Loan amount
- $20,000 – $100,000
- Loan term
- 1 year to 7 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- Yes
- Minimum age
- 18
- Residency
- Australian residents only
- Car Loan
- RBA cash rate
No changes recorded for this product since tracking began on 12 September 2026.
Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale
Also from Heritage Bank: Standard Personal Loan Fixed 9.35%
As of 8 October 2026, the Heritage Bank Car Loan has a comparison rate of 6.84% (from 6.49% advertised), ranking 14th of 98 secured loans tracked by BankMate. It is a secured fixed-rate loan for car loan with fees of $250 application. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.