Finance to get your motor running
Whether you’re buying from a dealer or private seller, we can make it happen.
Lending criteria, T&Cs, and fees apply.
Compare our fixed and variable loan options to find the right fit
Secured Car Loan
Use your vehicle as security for your loan
Suitable if you’ve already found your vehicle
Get the benefit of a lower rate if you're willing to secure your loan. May help reduce the overall cost of borrowing.
A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.
Interest rate from
8.99
%p.a.^
to
28.99
%p.a.^
Unsecured Car Loan
No need to use your car or another asset as security
Enjoy more flexibility in your borrowing
Allows you to shop around with confidence if you haven't chosen your vehicle yet.
A fixed rate makes budgeting easier. It’s ideal if you want certainty and peace of mind. Your interest rate stays the same, no surprises, no changes.
Interest rate from
9.99
%p.a.^
to
29.99
%p.a.^
Get an estimate of your repayments
Your estimated monthly repayment including establishment fee
$0 / month
Total interest paid
$0
Total amount paid
$0
Ready to get started? Get your tailored rate in just 2 minutes, with no impact to your credit score.
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This calculator is provided for illustrative purposes only and does not constitute a quote or pre-qualification. The interest rate you may be offered can differ from the interest rate displayed above and will be based on your personal circumstances. The total amount paid includes the establishment fee. See all Fees for this product.
How Car Loan Settlement Works
Frequently Asked Questions
Important information
^Gem Personal Loan
Gem Personal Loan rates range from:
Variable Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans. Loans with a variable interest rate are subject to change throughout the duration of the loan.
Fixed Loans - 8.99% p.a. to 28.99% p.a. for Secured Loans and 9.99% p.a. to 29.99% p.a. for Unsecured loans.
Your interest rate depends on your personal circumstances. If you choose to pay your loan off sooner, we will not charge you an early repayment fee. Credit and lending criteria, and fees apply including a $240 establishment fee. Credit provided by Latitude Financial Services Limited.
Example: A Gem Car Loan of $20,000 borrowed for three years with an interest rate of 15.99% p.a. (fixed for the life of the loan) would equate to a total repayment amount of $25,613 approximately (including a $240 establishment fee).