Discover your rate

Visit our rates page to learn more. 

Fewer steps, more help

Our dedicated car-buying and finance specialists will help find your car, offer flexible finance solutions and negotiate the car price for you.

Personal service

We'll discuss your budget and talk you through your finance options so you can buy with confidence.

young girl taking a deep breath while leaning out of a car window

The home of electric vehicles

We’re proud to be the first Australian banking group to offer a specialised electric car-buying service that can help you make the transition to an electric vehicle.

Car-buying service

Don’t like negotiating? We can do it for you

Don’t like negotiating? We can do it for you

  • Take the stress out of negotiating with Macquarie Vehicle Select1 our complimentary service to help you buy a car.
  • Our experienced team of car buying specialists can negotiate on your behalf, book test drives and get your trade-in valued. Depending on where you live, we may even be able to deliver your new car, fuelled up and ready to go.
A male and female colleague looking at a tablet in a well lit office.
Upgrading or refinancing

Existing customer? Consider an upgrade or refinance

Existing customer? Consider an upgrade or refinance

  • Don't want to pay out your contract all at once? You may be able to refinance your existing loan with us and keep your current repayment schedule3 if your final payment exceeds $5,000.
  • Or, if you're looking to upgrade, we'll help you finalise your existing loan and assist you into your new car3.
Two men in a car driving during the day, the picture is taken from behind them.
Existing customers

Manage your account online

Manage your account online

  • With YourLease, you can access and manage your car loan account details online anytime, anywhere.
  • Log into YourLease to get your payout figure, manage upcoming payments, request documents and update your details.
  • Alternatively, you can make an account enquiry online.
A person in a suit in a car with their hand with a watch and ring on holding onto the gear shifter of a car.

Macquarie Vehicle Select —

Macquarie Vehicle Select1 customers save an average of $5,944 on the RRP of their vehicles2.

How to apply

Give us a call on 1800 100 152 to speak with a finance specialist or make an enquiry via the button below.

Apply if you

  • are 18 years old or over,
  • are a permanent resident of Australia

What's next?

  • After you submit your online enquiry, we'll be in touch to provide an indicative quote and we can proceed with your application over the phone.
  • As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated finance specialist.

Frequently asked questions

To apply for a Macquarie Car Loan for personal use:
  1. Go to Macquarie Car Loans
  2. Select Talk to us
  3. Fill out your details and a specialist with contact you within one business day.

As part of the application process, we’ll need to ask for additional information about you and your financial situation.

If you prefer to speak with a car loan specialist, call us on 1800 100 152, 9am to 5pm (Sydney time) Monday to Friday.

Please read our car loan terms and conditions and ask your introducer or a Macquarie car loan specialist for more information before applying.

Yes. We offer loans for new and used cars, SUVs, utes and vans.

For more information, speak to your introducer or contact us on 1800 100 152, 9am to 5pm (Sydney time) Monday to Friday or email

To apply for a Macquarie car loan for commercial use:

  1. Go to Macquarie Car Loans
  2. Select Talk to us
  3. Fill out your details and a specialist will contact you within one business day.

As part of the application process, we may need to ask for additional information about you and your financial circumstances within the last two years such as financial statements, full tax returns, notice of assessment.

If you'd prefer to speak with a car loan specialist, call us on 1800 100 152, 9am to 5pm (Sydney time) Monday to Friday .

To finalise a contract early, it must be paid out. You can request a payout figure at any time during the life of your contract. Please note paying out a loan early may incur additional fees and charges.

To obtain a payout figure:

  • Log in to your YourLease account and request a payout figure instantly. You may also download a Payout Letter which will include payment instructions if you want to payout.

The following documents may be available for your contract depending on your loan type. To help secure your information, we may need to password protect the document. We’ll provide your password to you over the phone or send it to you via SMS.


Payout Letter

This letter includes the payout figure at the time of request to finalise your loan. It includes the amount owed, contract expiry date and payment details. Please note paying out a loan early may incur additional fees and charges.
If you have a YourLease account, log in to get your payout letter.

Consumer Loan statement

A statement includes all transactions made on your Consumer Loan contract, including the breakdown of principal, interest and any fee components. Statements are available for Consumer Loans only.

Interest Amortisation Schedule

This document will provide a payment schedule for the loan term, showing both the principal and interest component of each payment. The interest Amortisation Schedule is only available for Chattel Mortgage and Commercial Hire Purchase.

Contract Summary Letter

This letter provides an overview of your current account status. This includes account information, payment schedule, loan balance and payout figure.

Payment History

A statement reflecting all previous transactions made on your loan account. This document does not provide a breakdown of principal and interest components.

If you have a YourLease account, log in to get your payment history.

Statement of Transactions

A statement of transactions displays all payments made on your contract since its commencement date. This is only available for certain Finance Leases (e.g. those that are not currently under a novation agreement or externally managed).

Copy of contractA copy of your original contract.
Residual value /
Balloon letter
A letter specifying the residual value or balloon amount payable on your contract, the payment due date and payment details.
Payout Breakdown Letter

Consumer Loan

A document that will show the breakdown and calculation of your current payout figure on a Consumer Loan. These components will include your Principal Balance, Accrued Interest and an Early termination fee if applicable.

Commercial Loan

A document that will show the calculation of your current payout figure on a commercial loan. The payout figure is calculated as the present value of the sum of the following plus GST where applicable. The early termination rate/discount rate (as per the contract) is used to calculate the present value.

  • Any and all amounts in arrears (if any); plus
  • The present value of the remaining instalments which haven’t yet become due under the contract; plus
  • The present value of the residual value or balloon; plus
  • Any fees and charges payable on termination.
Letter of Authority form

Complete this form if you want to authorise a third party to act on your behalf in relation to your car loan. Once completed, please send it to

A third party may be authorised for Full Authority, Payout Only or Payment information. A description of each level of access is outlined below:

Full Authority
Full authority will grant access to all personal and account information and allow the authorised person to negotiate and agree on your behalf. Furthermore, the authorised party will be allowed to incur fees on your behalf.

Payout only
This will allow the party to obtain payout information only which includes: residual value amount, balloon payment or payout due dates and amounts only.

Payment info

This will allow the authorised party to obtain information relating to the frequency, due dates, amounts of repayments and end of finance payments.

Direct debit formComplete this form  if you want to update your direct debit details. If you’ve entered your contract through Esanda, please complete the Esanda form . Once completed, please send it to
If your personal or financial circumstances have recently changed and you’re having trouble making your loan repayments, we may be able to offer financial assistance.

Financial assistance is assessed on your individual needs and could include flexible payment arrangements, variations or a reduction or deferral of repayments for a short term. Common events that can contribute to needing financial assistance may include:
  • injury or illness
  • unemployment or reduction of income
  • change in relationship
  • family and domestic violence
  • emergency events like natural disaster.

If you think you need financial assistance, you can reach out to us on the details below. We have a specialist team here to help discuss ways we can assist you.

Home loans

We’re available 8.45am to 5.15pm (Sydney time), Monday to Friday.

Phone: 1300 363 330 (+61 2 8245 4397 from overseas)

Please note that you won’t be able to access redraw functionality while you’re receiving financial assistance for your home loan account.

Credit cards

We’re available 8.30am to 5.00pm (Sydney time), Monday to Friday.

Phone: 1800 674 922

Car loans

We’re available 8.00am to 7.00pm (Sydney time), Monday to Friday.

Phone: 1300 368 908

Business Banking

Please contact your Relationship Manager or 1800 620 673 8:30am to 6:30pm (Sydney time) Monday to Friday.

External Support Organisations
We also have information here about organisations that you might like to reach out to for some support.

New clients

Monday to Friday 9am – 5pm (Sydney time)

1800 100 152

Existing clients

Monday to Friday 8am – 7pm (Sydney time)

1300 368 908

Help and support

Visit our online Help Centre.

Additional information

Asset finance, car sourcing and related services are provided by Macquarie Leasing Pty Ltd ABN 38 002 674 982 Australian Credit Licence 394925 (Macquarie Leasing). Information on this page does not take into account your objectives, financial situation or needs and does not constitute an offer capable of acceptance. All applications are subject to the satisfaction of approval criteria. Terms, conditions, fees and charges apply.


Macquarie Vehicle Select (“MVS”) is a registered business name of Macquarie Leasing. Use of MVS does not guarantee finance will be provided by Macquarie Leasing. Vehicle sourcing is independent of any application for credit.


Average savings percentage was calculated based on the difference between the recommended retail price for a specific standard combustion vehicle compared to the price sourced by MVS for MVS customers between 01/01/2021 and 31/03/2021. Any savings achieved may be affected by various factors, including, among others, buyer type, vehicle specifications, stock availability, location, manufacturer specials and timing. Calculation excludes electric vehicle sales.


Loan applications, refinances and balloon amounts are subject to credit assessment.