Secured Vehicle Funding
With the vehicle accepted as security for the credit, this type of funding attracts a great interest rate. The format is easy to understand with a fixed rate, fixed term and equal monthly repayments.
Find the Best Car Loan Interest Rates Faster with Jade Finance
We have over 80 lenders, including the major banks and non-bank lenders, and the resources and capabilities to quickly find buyers the lender that is right for them and will offer them the best interest rate on their funding. Speak with us even before you finalise your vehicle purchase to find the best rate on your motor vehicle credit.
Why Aussies Choose Jade
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The easy application process provides you with comprehensive information. Make a fully informed decision on your car loan.
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Car Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Compare Car Finance Rates with Main Banks and Vehicle Lenders
The motor vehicle lending market includes banks, finance companies and motor dealers offering vehicle credit through a lender. We use our technical resources, extensive lender base and 25+ years of experience in the sector to source the best rates across all types of credit products – consumer and commercial.
While rates offered to individual applicants can be different from our current rates, buyers can use these rates as a guide to compare lenders and plan their vehicle purchase. For that best rate based on your specifications, request a quick quote online or by phone to one of our brokers.
Private Buyers - Get the Best Secured Car Loans Rates
For buyers purchasing vehicles for their private use, our secured credit product will suit most new and many used vehicles and most buyers.
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Extensive Lender Accreditations
With our extensive lender accreditations, we have the proven track record in finding the best and cheapest rates for this type of credit.
Request a Quote or Apply Today
Request a quote or apply today and secure the best rate to make your vehicle purchase more affordable.
- Best fixed interest rates.
- Fixed terms, fixed monthly repayments.
- New and many used vehicles.
How to Get Fast Estimates with Our Car Loan Interest Calculator
Wondering how the interest rate may equate to monthly repayments on the vehicle you are considering? Use our calculator for fast estimates on any vehicle, at any price point, for any credit product. The calculator is a free-to-use resource we provide to empower buyers to start planning and to assist with making those important buying decisions. Use it at any time and for an exact quote, contact us.
- Fast estimated repayments.
- Free, no obligation, use for all vehicles, all credit types.
- Compare vehicle prices based on repayment estimates quickly and easily.
Car finance guides and resources
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
More Information
Vehicle not accepted as collateral? Get the Best Unsecured Car Financing Rates
Some lenders may not accept some vehicles as suitable collateral for secured funding. The option in this instance is our unsecured credit product. With the vehicle not available for security, the interest rate on this type of funding will be higher than for a secured product. But with our capabilities and experience, we can still secure highly attractive rates on unsecured vehicle credit products. Each application is handled and quoted individually.
So speak with one of our brokers for the best rate and best offer we can find for you.
- Best Rates on Unsecured Funding.
- Flexible formats, fixed terms, fixed repayments.
- Fixed and variable rate options.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, EFFECTIVE 21/02/2026 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
We work harder to secure the best rates.
Car Loan Interest Rates FAQs
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Most private buyers will suit a secured vehicle funding product where the lender accepts the vehicle as suitable credit. With much older vehicles which are not considered suitable security, borrowers may consider an unsecured product.
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Commercial operators can select from Lease, CHP and Chattel Mortgage to fund new vehicles.
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All applications are assessed individually by lenders when preparing rate offers. ABN holders with strong financials and good credit can be offered very attractive rates.
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Interest payments on commercial funding is tax deductible. Lease payments are deductible. CHP and Chattel Mortgage deliver tax deductions with depreciation of the vehicle.
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Highly attractive rates can be achieved on used vehicle funding. Lenders assess the age and condition of the vehicle as well as the creditworthiness of the applicant when making rate offers.
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Applicants with strong financials and a good credit profile are typically offered the best rates. Improving the credit position may improve the prospects of achieving a lower rate.
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A balloon is that portion of the total CHP or Chattel Mortgage that is due at the end of the term, in full.
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Most vehicle funding products are secured at a fixed interest rate. That rate will then remain constant over the complete time of the funding. Some unsecured credit may be arranged at a variable rate which is subject to change over time.
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The term offered on vehicle funding can vary with individual applications, the amount borrowed and other aspects of the application. Terms of 4-7 years are typical.
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To be eligible for consumer credit, applicants must be over the age of 18 years. New drivers over 18 years can apply for credit.
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Commercial operators without financials can apply for low doc and no doc options through specialist brokers and lenders. Good rates can be achieved and applications approved based on strong turnover for some applicants.
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Rates are mainly determined by the creditworthiness and the financials of the applicant rather than the type of vehicle. The amount requested in the loan may also impact the rate relevant to the applicant’s credit profile.
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Chattel Mortgage and Commercial Hire Purchase offer slightly lower rates than Leasing.
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The amount requested can impact the rate offered when considered in relation to the credit profile of the applicant. Where no deposit funding is requested this may influence the rate. Applicants may discuss with their broker or lender if reducing the amount requested will result in a lower rate offer.
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Rates can vary for individual applicants. But buyers can refer to current advertised lender rates and use an online credit calculator to work out estimated repayments with those rates or change the rate entered to make comparisons.