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Car Loans - Cheap Car Finance Rates

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18 Jan Today's
best rates
Today's Business Rate
From 2.85 %*

*The Interest Rate is calculated on a Secured Loan for business use, effective 18/01/2021 and subject to change. WARNING: The interest 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 interest rate.

Today's Consumer Rate
From 3.85 %
Comparison Rate
From 4.65 %**

**The Comparison Rate is calculated on a Secured Loan of $40,000 fixed for a term of 5 years, new goods, effective 18/01/2021 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.

Car Finance Australia Jade Car Loans

Jade Car Loans is a leading specialist in motor vehicle finance, with an enviable reputation for continually delivering on our core purpose – cheap interest rates on every personal motor loan and business motor vehicle finance package.

We have successfully differentiated our offering in this highly competitive financing sector by providing our customers with better auto loans, cheaper interest rates and tailored financial solutions. We respect that you’re purchasing a major asset and you deserve the attention to detail in structuring your car loan to specifically suit your car, your requirements and work with your financial objectives. The cookie cutter approach to auto loans - fill out a form and just sign here – just does not cut it at here. Our customers deserve better and they receive the best.

As an Aussie finance brokers, we are accredited with many banks and lenders so we have a large source of options to secure you the right loan for you and your car. With our superior negotiating skills and strong buying power, we have the resources to bargain on your behalf for the best deal. And we have the willingness and take the initiative to consider your business goals and ensure your auto vehicle finance package is in sync with your objectives.

For personal auto buyers we provide both Secured Car Loans and Unsecured Personal Loans.

For business vehicle customers we provide the full range of commercial motor vehicle finance facilities including: Car Chattel Mortgage, CHP, Commercial Car Leasing, Novated Lease with Salary Sacrificing and Car Rental.

For customers with credit issues or complex business structures or requirements, our consultants are willing and prepared to handle your car loan application and secure you an offer that suits your cash flow, budget and works – for you!

Cheap finance interest rates are fundamental to every auto loan and your assurance that you are being offered the best deal available.


We provide finance for all types of motor vehicles – new and used, purchased from a dealer, private seller or through an online market place. Our nationwide coverage enables us to assist customers throughout Australia with better loans and additional support with paperwork, REVs, checking encumbrances, rego transfer advice and interstate regulations.

For a car loan or business motor vehicle finance deal which is both the cheapest deal and includes the most streamlined, hassle-free service, contact Jade Car Loans now.

Compare Car Loans & Finance Options From Major Banks

Enter the loan amount and loan term on our easy to use finance calculator to compare the monthly loan repayments from major lenders in Australia.

Loan Amount
Loan Term
Secured Vehicle Loan
3.85% Secured
4.65% Comparison
Monthly repayment
Unsecured Loan
7.99% Representative
9.04% Comparison
Monthly repayment
Unsecured Personal Loan
12.99% Variable
13.86% Comparison
Monthly repayment
Unsecured Loan
12.69% Variable
13.56% Comparison
Monthly repayment
St George
Secured Vehicle Finance
7.49% Fixed
8.60% Comparison
Monthly repayment
Secured Car Loan
7.79% Fixed
8.39% Comparison
Monthly repayment
Car Loan Up To 7 years Old
7.49% Fixed
8.68% Comparison
Monthly repayment
Secured Vehicle Loan
6.79% Variable
7.16% Comparison
Monthly repayment
Lender Product Name Advertised Rate Comparison Rate Monthly Repayment
Jade Secured Vehicle Loan 3.85%Secured 4.65%
CBA Unsecured Loan 7.99%Representative 9.04%
ANZ Unsecured Personal Loan 12.99%Variable 13.86%
NAB Unsecured Loan 12.69%Variable 13.56%
St George Secured Vehicle Finance 7.49%Fixed 8.60%
Suncorp Secured Car Loan 7.79%Fixed 8.39%
Westpac Car Loan Up To 7 years Old 7.49%Fixed 8.68%
CUA Secured Vehicle Loan 6.79%Variable 7.16%
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* Personal secured loan with the loan amount of $30,000 is looking at a 5 year secured fixed rate. WARNING: all fees and charges may not be included on the example above, only the comparison rates, monthly repayment and total cost applies. Therefore, the total cost of the loan might be different. Comparison rate do not include broker fees, redraw fees, early termination fees and fee waivers. Comparison rate may change as a result of the different loan terms, fees and the loan amounts.

Car Finance Calculator

This finance calculator is developed to provide estimates based on the input data only. It does not allow for individual application variances. The loan offer and repayment amount you receive from your Jade consultant may be higher or lower than the result you have calculated.


Finance Calculator Disclaimer

Car Loans FAQs

Motor vehicle finance is one of the largest lending sectors across the financial services industry. Those seeking vehicle loans are presented with a lot of ground to cover if they want to be completely across what is on offer. We have provided a very extensive web site with pages to cover many aspects of both personal automotive loans and business vehicle financing. To expand on that information, we’ve singled out a number of specific questions to address in this section. If you still have queries, please feel free to contact us

How do I apply for a personal car loan?   

Applying for a personal or business motor vehicle loan with Jade is very easy. You can either apply over the phone or use our online application form. When contacting us you will be assigned your own consultant who will handle your loan through all stages. As licensed credit providers, we operate in accordance with the consumer credit rules and Responsible Lender Guidelines as established by ASIC and will require information and documents from you.


This information will include your identity, details of your income and regular expenses, employment situation and history, residential situation (own your home or renting), property and assets including investments and cash, other loans you may have including credit cards and other details as required by the consumer credit laws.


You will be provided with information on credit and loans and you will be asked to sign a consent form which gives your approval for Jade Finance to source a auto loan on your behalf.


When all these preliminaries are finalised, your Jade consultant will source you a loan quote from our lending panel and present it to you for consideration. 

Can I get a car loan when I get my driver’s licence?   

Having a drivers licence is not a necessary requirement to apply for a car loan. Under the consumer credit laws, a person must be over the age of 18 years to be granted a loan. If you are over the age of 18 when you attain your driving licence then yes, you can apply for a loan.


Most secured vehicle loans do require that the vehicle has full comprehensive insurance over the insured goods. Having a drivers licence would be a requirement for this insurance is most cases.


Individual states have different ages for attaining a driver’s licence. If you get your licence before you turn 18, you cannot apply for a car loan. Parents, guardians and other persons over the age of 18 may be approved to act as guarantor for car loans on behalf of persons under the age of 18.

Can I get a car loan if I buy a car privately?   

Yes you can apply for a personal vehicle loan or business vehicle financing if you are purchasing the vehicle from a private seller. Jade provides car finance for new and used vehicles purchased from a dealer, at auction or from a private seller.


When buying privately, you may like to consider a pre-approved loan so you are ready to commit to the sale on first inspection and have greater bargaining power when negotiating price as the seller will know you can settle quickly.


Private sales will presumably be for a second hand vehicle. The age and condition of a used motor vehicle is taken into consideration by lenders when assessing loan applications. If the lender does not accept the motor vehicle as security against a Secured Loan, your Jade consultant can proceed with sourcing you a quote on an Unsecured Personal Loan.

What is the difference between a secured and unsecured loan?   

With a Secured Motor Vehicle Loan, the goods being purchased is used as security against the loan. The loan is secured with the lender by the vehicle. If the borrower defaults on the loan, the lender has the right to repossess the vehicle and sell it to claim any unpaid monies.


An unsecured loan has no security offered against the loan. In some instances, a lender will not accept the vehicle being purchased as security against a secured loan. This may happen with some older vehicles. An Unsecured Personal Loan is essentially a personal loan.


With no security offered, the interest rate on an unsecured loansometimes can be higher than a secured loan. Individual lenders may also apply their own conditions on an unsecured loan. These may include requesting other sources of security such as assets or property, be offered to guarantee the loan.


There are other differences that we have highlighted in our web pages.

Can I pay the loan out early?   

Yes but fees may be incurred depending on the loan type. These fees are known as break fees, a fee for breaking a loan contract. The actual amount will vary from lender to lender. You can ask your Jade consultant at the time of arranging your loan what the break fees are.


With Secured Loans (personal car loans) break fees apply when a loan is paid out early. With Unsecured Personal Loans, the break fees will depend on whether the interest rate is fixed or variable. For fixed interest rate unsecured loans, the break fees are charged. If the loan is based on a variable interest rate, normally no break fees will apply when a loan is paid out early.


With commercial finance facilities (business vehicle finance) a pay out figure can be obtained from the lender if you want to finalise a loan before the end of the loan term. This figure may include outstanding amounts including any break fees which may be applicable.

What type of cars can I get a car loan to buy?   

In general terms, Jade provides loans for all types of motor vehicles. The purchase of sedans, hatchbacks, SUVs, wagons, 4WDs, utes, work vehicles, commercial vans, MPVs and others can be finance through finanicing. This is subject to the minimum loan amounts applied by Jade and individual lenders and by the acceptance of individual vehicles by a lender.


Used vehicles are subject to lender guidelines. Vintage and classic cars and restoration projects and other similar specialised vehicles may be subject to individual lender guidelines.


Where a lender does not accept a particular vehicle for a secured loan, you have the option of requesting a quote for an unsecured loan from your Jade consultant. Your Jade consultant will work hard to find a workable lending solution for you and the vehicle you are purchasing.

What do I need to get a personal car loan?   

In general terms, you need to be over the age of 18 and have employment or income source as the minimal requirements. To complete the application you will need to provide details around your employment, income, financial situation, residential situation and other personal information and documents will be requested to verify some of the details you provide.


Specifically you may need:-

  • Proof of age with birth certificate, driver licence or other acceptable form of ID verification.
  • Payslips from your current employer or proof of a regular source of income. Income tax returns may be requested.
  • History of employment
  • Residential situation: whether you rent or own. If renting, a rental history may be required.
  • To assess your financial situation, a list of your ongoing weekly/monthly/annual expenses is required. This may be prepared by yourself and/or verified with bank account details
  • Details of debts including current loans and credit cards.


Your Jade consultant can guide you through the process but in order to expedite your loan, it can be a good idea to get your paperwork and documents ready in advance.

Do I have to get car insurance?   

For motor loans which are secured against the vehicle, that is, secured loans, the lender will request you take out comprehensive insurance. In order to finalise the loan and allow you to complete the sale and take possession of the vehicle, the lender will require proof of an insurance policy. Sometimes it can take longer to finalise a policy so insurers will issue a cover note. This is a temporary insurance policy which covers your motor vehicle for a short period until the insurance policy is finalised. The lender will require details of the insurance policy.


For unsecured loans, comprehensive insurance is usually not requested.


A green slip or CTP (compulsory third party policy) is not comprehensive motor insurance. A comprehensive policy will be required in addition to the CTP. If buying a new car, the CTP is usually included with the dealer delivery charges which also includes registration.


If buying a used vehicle, you will need to transfer registration to yourself and take out a CTP.

Can I borrow the full purchase price of the car?   

It is subject to individual lender requirements, affordability and their assessment of your loan application but in most cases, the motor loan can cover the full purchase price of the vehicle. Some dealers may advertise this as no deposit finance. Lenders usually only request a larger deposit be paid to reduce the overall loan amount for consumer affordability, loan to value expoosure on the vehicle, or in business car finance low docs and no docs loans and for some used cars and/or based on individual risk assessment.


If you do choose to pay a deposit to the seller, this will reduce your total loan amount (compared with borrowing 100% of the purchase price) and as such reduce your monthly repayments.

Can I get my car loan sorted before I decide which car I want to buy?   

Yes. Jade offers pre-approved loans across our full portfolio of personal loans and business vehicle finance products. Deciding on a vehicle and doing a deal with a seller and then applying for a loan is considered the usual way to go about organising car finance. But benefits can be realised by organising a pre approval before you even look at motro vehicles.


The process to secure a pre-approved loan is essentially the same as for applying after you have finalised the deal. The pre relates to prior to finalising the automotive sale. You contact Jade and request a loan quote based on an estimate of what you think your car may cost. Your consultant will proceed through to source you a quote and on acceptance of that quote, process your application to the approval status.


You can then proceed to buy the vehicle and the loan is completed when the exact loan amount based on the final purchase price is known.


If you secure a pre-approved loan, there is no obligation to proceed. If you change your mind and decide not to proceed with a purchase, that’s not a problem and there is no cost involved from Jade or the financier.

Why Use Jade Car Loans

Driving cheap interest rates into every car loan

Cheap interest rates are at the very core of our business structure. It’s what defines us, differentiates us and gives you the competitive advantage. We optimise the freedom and the flexibility of our broker status to negotiate hard on interest rates with our strong bargaining power to deliver the cheapest rates for every car loan customer.

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Jade Car Loans is your key to a cheaper car loan

Whether you’re a private car buyer or purchasing a business vehicle, using Jade Car Loans as your finance brokers is a smart and sensible decision. We’re not constrained by a limited set of loan options like many banks and lenders. Our accreditation with a vast number of banks and lenders broadens our sources to hundreds of loan products. With more choices comes more opportunities to source you the cheapest car loan.

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Reliability, longevity, track record - the broker you can trust

When it comes to your finances, every detail matters. Especially the broker handling your car loan. Well-established and reputable, Jade Car Loans has an impressive track record of performance over our 20 years in the lending sector. A reputation that is your assurance that you’re dealing with a company that is reliable and continues to deliver cheap car loans, year after year, customer after repeat customer. We’re an Australian-owned committed to providing workable, affordable and effective financial solutions so other Australian businesses and individuals can turn their goals into achievements.

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