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Discover your rate

With our loan options you can choose a variable or fixed rate to suit your needs.​ ​Visit our rates page to learn more.

Fewer steps, more help

Our dedicated car-buying and car loan 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.

Personal use car loan rates

Select from the options below to filter car loan interest rates for petrol and diesel vehicles.

Variable rates - Property owner

Our car loans reward good borrowers with competitive rates. A larger deposit means a lower loan to value ratio (LVR) and rate. If you're looking at a new car and own property in your own name, you could get an even more competitive rate.

 

Loan to value ratio (LVR)Variable Interest rateComparison rate‡
≤ 906.99% p.a.7.97% p.a.
> 907.50% p.a.8.48% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are variable.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Variable rates - Non-property owner

 

Loan to value ratio (LVR)Variable Interest rateComparison rate‡
≤ 908.25% p.a.9.22% p.a.
> 908.75% p.a.9.72% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are variable.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Fixed rates - Property owner

Our car loans reward good borrowers with competitive rates. A larger deposit means a lower loan to value ratio (LVR) and rate. If you're looking at a new car and own property in your own name, you could get an even more competitive rate.

 

Used vehicle (2-3 years old)
 

Loan to value ratio (LVR)Interest rateComparison rate‡
≤ 907.65% p.a.8.63% p.a.
> 90 – 1108.05% p.a.9.03% p.a.
> 110 - 1308.80% p.a.9.77% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are fixed.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Used vehicle (4+ years old)

 

Loan to value ratio (LVR)Interest rateComparison rate‡
≤ 908.00% p.a.8.98% p.a.
> 90 – 1108.60% p.a.9.57% p.a.
> 110 - 1309.35% p.a.10.32% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are fixed.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Fixed rates - Non-property owner

Used vehicle (2-3 years old)
 

Loan to value ratio (LVR)Interest rateComparison rate‡
≤ 909.70% p.a.10.66% p.a.
> 90 – 11010.30% p.a.11.26% p.a.
> 110 - 13011.05% p.a.12.01% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are fixed.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Used vehicle (4+ years old)

 

Loan to value ratio (LVR)Interest rateComparison rate‡
≤ 9010.25% p.a.11.21% p.a.
> 90 – 11010.85% p.a.11.81% p.a.
> 110 - 13011.60% p.a.12.55% p.a.

 

Rates are for new loans and are subject to change. Rates displayed are fixed.
For personal use car loans, where the loan term is greater than 60 months, an additional 1.00% applies to the displayed rate. This does not apply to electric car loans.

What is an LVR?

What is a comparison rate?

Electric vehicle calculator icon

Considering an electric vehicle?

Looking to buy a new car and not sure if an electric vehicle is right for you? Compare the cost of owning an electric vehicle with a petrol/diesel/hybrid vehicle using our calculator.

Try our EV savings calculator
Private car sales

Buying from a private seller? We can get you on the road, sooner

Buying from a private seller? We can get you on the road, sooner

In most cases, private-sale financing will require a physical inspection of the car. Macquarie allows you to utilise a service for digital inspection of the vehicle, so you can hit the road sooner.

Make an enquiry
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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 schedule1 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 car1.
Make a finance enquiry
Existing customers

Manage your account online

Manage your account online

  • You can access and manage your car loan account details online anytime, anywhere​
  • Manage upcoming payments, request documents and update your details​
  • Have a question? Find answers to a wide range of frequently asked questions online by using our Help Centre
Visit our Help Centre
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.

Applying online is easy

Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.
 

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Get a quick quote

Click on Apply Online. Answer a few simple questions and we'll provide a tailored quote with your rate and repayments.

Continue to apply online

Provide information about you, your car, what you earn and what you owe.

Get an answer fast

Once you’ve submitted your application, one of our friendly car loan specialists will review it and get in touch to answer any questions and guide you through the next steps.

Car loans for you and your family

If you're thinking about buying a car, talk to one of our car loan specialists about our flexible car loan options.

 

Thank you for your enquiry, we'll be in contact with you soon.

Sorry, looks like there was an issue submitting your request, please phone us.

Request a call for a personal car loan

If you're financing a car, request a call or contact us on 1800 100 152 Monday to Friday 9am - 5pm (Sydney time).

Looking for a tailored quote and want to get an answer fast, continue to apply online.

Finance details
We have a dedicated team of specialists who can help you find the right car. If you already have one in mind, please let us know the details about make, model, variant, colour, accessories, factory options.
Contact details

By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

 

Car loans for your business needs

If you're thinking about buying a car, talk to one of our car loan specialists about our flexible car loan options.

 

Thank you for your enquiry, we'll be in contact with you soon.

Sorry, looks like there was an issue submitting your request, please phone us.

Request a call for a business car loan

If you're financing a car, request a call or contact us on 1800 100 152 Monday to Friday 9am - 5pm (Sydney time).

Looking for a tailored quote and want to get an answer fast, continue to apply online.

Finance details
We have a dedicated team of specialists who can help you find the right car. If you already have one in mind, please let us know the details about make, model, variant, colour, accessories, factory options.
Business details
Contact details

By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

 

Discover our products

Electric car loans

Electric car loans

Learn more
New car loans

New car loans

Learn more
Business car icon

Business car loans

Learn more

New finance enquiries

Submit an enquiry using the request a call form above

Manage your account online

View and manage your car loan online here

Help and support

Visit our online Help Centre.

Your questions answered

Additional information

For all applications submitted from 06 December 2022 Personal Use Car Loans originated directly with Macquarie (and not through a broker) are provided by Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 (‘Macquarie Bank’). All other car and asset loan products and leases are provided by Macquarie Leasing Pty Ltd ABN 38 002 674 982 Australian Credit Licence 394925 (‘Macquarie Leasing’). Please refer to your loan agreement or lease, once available, for your credit provider or lessor. ​All applications are subject to the satisfaction of approval criteria. Terms, conditions, fees and charges apply.

​Car sourcing and related services are provided by 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.

*

Rate applies to new loans secured by used vehicles, where the applicant is a property owner, the loan to value ratio is less or equal to 90% and the loan term is 60 months or less. Effective from 17 November 2023 subject to change without notice. All applications are subject to the satisfaction of approval criteria. Terms, conditions, fees and charges apply. Variable interest rates are only available for personal use car loans.

‡

The comparison rate is based on a secured Personal Use Car Loan of $30,000 and a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

1

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