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Car Loans in Australia

At Lend4cars.com.au we help you get into your next car at a great rate by securing a range of finance alternatives from a pool of reputable Australian lenders. We make the approvals process fast and efficient, and we can provide you with a range of finance options to suit your individual needs. We'll help you find the best car loans online in Australia.

A little supporting documentation is often required, but we are able to help you complete your application and facilitate the approvals process in a friendly and efficient manner, ensuring you get a great rate and fantastic customer service whether you're getting a personal car loan online or in person.

Our specialist finance brokers for personal car loans strive to deliver you the best possible deal. We deal extensively with private car buyers from all walks of life, and we offer a range of finance alternatives from leading Australian lenders. Put us to the test today - you've got nothing to lose, but you could save thousands.

Fixed Rate Car Loans

With interest rates at historic lows, borrowing money for your next car has never been easier.

Most financiers offer only fixed rate car loans, but some offer variable rate loans.

As the names imply, a fixed rate loan has an interest rate that is fixed for the term of the loan, whereas with a variable rate loan, the lender car adjust the rate, up or down, at any time, without limit.

That means a variable rate car loan gives you no certainty about exactly what your repayments are going to be throughout the term of your loan term. Variable rate loans sometimes offer attractive early payout conditions, but this is a consequence of the fact that those lenders can change your interest rate at any time. It ensures that they don't lose out when interest rates or their own economic conditions change.

Gone are the days when lenders would adjust their rates in line with the Reserve Bank of Australia (RBA) interest rate adjustments. Lenders are commonly applying their variable rates entirely at their own discretion, and often not passing on rate cuts at all. In some cases rates have even increased independently of the RBA. These practices give you no certainty whatsoever through the term of the loan whereas a fixed rate allows you to budget your car finance payments exactly for the full term.

With interest rates at historic lows, fixed rate car loans make great sense for a great many car buyers. Contact one of our specialist car finance brokers now about the best fixed rate car loans in Australia.