Personal loan · Secured · Variable
Secured Variable Car Loan (Private Sale)
7.22%comparison rate p.a.
from 5.94% advertised · Secured · variable · car loan
29th 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: $500 application · $8/mo.
- Advertised rate
- from 5.94% p.a.
- Application fee
- $500
- Loan amount
- $10,000 – $150,000
- Minimum age
- 18
- Comparison rate
- 7.22% p.a.
- Monthly fee
- $8
- Advertised rate
- from 5.94% p.a.
- Comparison rate
- 7.22% p.a.
- Rate type
- Variable
- Application fee
- $500
- Monthly fee
- $8
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $10,000 – $150,000
- Loan term
- 3 years to 7 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- No
- Minimum age
- 18
- Residency
- Australian residents only
- Secured Variable Car Loan (Private Sale)
- RBA cash rate
No changes recorded for this product since tracking began on 26 September 2026.
loans.com.au's Secured Variable Car Loan offers a competitive variable rate with flexible repayments to suit your needs. Choose a term from 3 to 7 years, with finance available for new or used cars up to 12 years old, purchased via a private seller. Enjoy the convenience of a redraw facility (up to $5,000 per day) for added flexibility with no early repayment fees.
Also from loans.com.au: Secured Variable Car Loan (Dealer) 7.07% · Secured Fixed Car Loan (Dealer) 8.62% · Secured Fixed Car Loan (Private Sale) 8.76%
As of 15 October 2026, the loans.com.au Secured Variable Car Loan (Private Sale) has a comparison rate of 7.22% (from 5.94% advertised), ranking 29th of 98 secured loans tracked by BankMate. It is a secured variable-rate loan for car loan with fees of $500 application · $8 a month. 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.