Low rate car finance with OnlineAuto

OnlineAuto aims to eliminate all stress in the car buy journey, that includes getting vehicle finance for your new car at an interest rate that’ll put a smile on your face.

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Looking for competitive vehicle finance?
We’ve got you covered

As part of the Firstmac Group, OnlineAuto can help you secure low rate vehicle finance from a number of car loan providers, including online lender loans.com.au, and car loan broker CarLoans.com.au.

We want to make sure you are all smiles when you get your new car. This is why if you buy through OnlineAuto and finance your car through loans.com.au, we’ll send you a $250 fuel voucher! We can put you in touch with a car finance expert to help you from application to settlement and throughout the life of the loan.

This is just another way OnlineAuto is your best friend for buying a new car from finance to sourcing, delivery and even insurance. We’re here to make your car buying experience easy and stress free, no matter where you are in Australia.

What we can do for you?

  • Refer you to a car loan expert
  • Market leading rates with car loans
  • The lending specialist will take time to understand the loan and finance option that best suits you, based on your circumstances


Car Finance FAQs

Applying for a car loan is quick and easy. To make the process more seamless, we recommend you prepare a pay slip or two, the proposed vehicles details, a list of your assets, liabilities and your proposed settlement date.

Typically to be eligible for a car loan, you’ll need to hold Australian citizenship or permanent residency, be over the age of 18, and earning some income. There may be further eligibility requirements depending on which lender you go with.

Luckily at OnlineAuto we are part of the Firstmac Group, meaning we can offer a variety of car finance options no matter what your situation is.

There are a few benefits to getting car finance instead of paying cash. For example, depending on the lender you may be able to borrow up to 100% of the car’s purchase price, which means even without a deposit or savings you can buy a car quickly. You may also need your savings for other expenses, making smaller, regular car loan repayments a better option. In addition, if you are buying a car for business purposes your car loan interest repayments may be tax deductible.

There are a number of different types of car loans available from various lenders. These include:

  • Secured car loans - Car loan where the car is provided as the security for the principal loan amount.
  • Unsecured car loans - A car loan where security is not provided. These types of car loans typically have higher interest rates as they are riskier for the lender.
  • Car loan with a balloon payment - A portion of the principal is deferred to be paid towards the end of the term of the loan. This allows the borrower to make smaller repayments during the initial period of the car loan.
  • Chattel mortgage - Specific type of fixed-rate business car loan.
  • New car loan - For new or demo model vehicles, usually under 2 years old.
  • Used car loan - For used vehicles, either privately owned or from a dealership, typically between 2-12 years old.
  • Green or electric car loan - Financing for electric, hybrid or fuel-efficient cars.

Have any questions? Call us on 1300 719 925

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Maximum of 3 vehicles