Fixed Rate Car Loan P&I >5Y

As of 18 September 2026, the Unity Bank Fixed Rate Car Loan P&I >5Y has a comparison rate of 10.01% (from 9.99% advertised), ranking 127th of 212 unsecured loans tracked by BankMate and sitting 7.12 points below the unsecured market average of 17.13%. It is an unsecured fixed-rate loan for car loan with fees of $200 application · $2 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.

10.01%comparison rate p.a.

from 9.99% advertised · Unsecured · fixed · car loan

Fees: $200 application · $2/mo.

Go to Unity Bank

Rate over time

Comparison rate · lenders publish the lowest rate in their range

Fixed Rate Car Loan P&I >5Y
RBA cash rate
Unsecured average

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates

Advertised rate: from 9.99% p.a.
Comparison rate: 10.01% p.a.
Rate type: Fixed

Fees

Application fee: $200
Monthly fee: $2
Annual fee: None
Early repayment fee: None
Late payment fee: $15

Loan terms

Loan amount: $1,000 – $150,000
Loan term: 2 years to 2 years
Extra repayments: Yes
Early payout: Yes
Redraw: Yes
Flexible repayment frequency: Yes

Eligibility

Minimum age: 18
Residency: Australian residents only

About this product

Drive away your dream car without breaking the budget with our Fixed Rate Car Loan. Borrow up to $150,000 for a used car over 5 years old, and lock in a fixed interest rate for up to 7 years.

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