Car Loan Interest Rates

We save you the time of shopping around to check our interest rate against other lenders in the market by providing this handy reference guide. We’ve compiled the advertised interest rates from Jade and other lenders right here so you can make your comparisons quickly and easily. Simply enter your loan details and see the repayment results displayed.

Quickly Compare Lender Interest Rates
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Why Use Jade Car Loans?

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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 broker 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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We offer you cheap car loan rates when most will not

We compare car loan rates through a variety of Australian financial institutions.

A banking institution or financier might quote their particular loan in a different way. A car loan interest rate might possibly be impacted because of a number of reasons. Or even worse, the unsuitable loan company might possibly mean not acquiring an approval or adequate loan offer!

Some of the loan options we may be able to assist on subject to lender criteria, affordability and loan approval:

  • New and Used Car Loans
  • No Deposit Loans Available
  • 84 month Car Loans Available
  • Car Finance For Private Sale Purchase OK
  • All Business Car Loans, Chattel Mortgage and Salary Sacrifice.

Why not allow Jade Car Loans to carry out the hard work and spend less on your new loan.

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Car Loan Rates

Make sure before you obtain loans that you have talked to Jade and compared your loan rates to our cheap car loan rates. Experts in the car loan industry, our company has been supplying motor financing for many years and will never be beaten on affordable car finance!

Car Loan Interest Rate Calculator

The use of this calculator is established on the person’s awareness and also undertaking that the estimated payments displayed does not specify a loans quote; it does not illustrate an application for any financing has actually been lodged; it is not an indication that any type of lending application has been approved. The formatting of this free calculator does not enable specific information pertaining to any type of particular personal finance application or any lending institution fees and also costs. It is formatted to multiply a general result based on basic details as well as amounts solely.


After lodging a formal loans application, the quote and also repayment totals that you might be offered might differ from the finance quote accounted by this Calculator.


The gadget is not ideal for estimations on financings that are developed on a rate of interest only basis. The formatting is simply established to compound the calculated interest rate for a set time period based on the amounts entered by the site visitor.


The calculator is not planned as a device for finance decision making. Individuals that call for finance advice must seek a specialist economic expert in relation to their personal circumstances. To make an application for a loan and also obtain a quote based upon your individual requirements, the individual needs to call Jade as well as have their specific application considered by among our Jade specialists.

Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
Jade Car Loan 6.29%Secured 7.33%Comparison $584.04 MONTHLY
NAB Fixed Rate Personal Loan 6.99%Fixed Rate 7.91%Comparison $593.89 MONTHLY
St George Fixed Rate Personal Loan 6.49%Fixed Rate 7.61%Comparison $586.84 MONTHLY
ANZ Fixed Rate Personal Loan 7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY
Westpac Secured Car Loan 5.99%Fixed Rate 7.20%Comparison $579.84 MONTHLY
CBA Secured Personal Loan 7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY
Car Loan
6.29%Secured 7.33%Comparison $584.04 MONTHLY
Fixed Rate Personal Loan
6.99%Fixed Rate 7.91%Comparison $593.89 MONTHLY
St George
Fixed Rate Personal Loan
6.49%Fixed Rate 7.61%Comparison $586.84 MONTHLY
Fixed Rate Personal Loan
7.49%Fixed Rate 8.18%Comparison $601.00 MONTHLY
Secured Car Loan
5.99%Fixed Rate 7.20%Comparison $579.84 MONTHLY
Secured Personal Loan
7.50%Fixed Rate 8.20%Comparison $601.14 MONTHLY

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.

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In order to provide the best experience, your details are saved on our secure server as you enter them.

Car Loan Interest Rates FAQs

Interest rates vary across different loan categories and between business and personal auto finance. The reasons why can be complex and we address a range of concerns in this section. Achieving the cheapest interest rate for all our customers is our key objective and we share further information here in regard to getting cheap rates. As we handle every loan application on a personal and individual basis we recommend you contact us for an obligation free quote on your loan which will then provide you with the interest rate that you will achieve.

  • Interest rates on a range of loans can be either fixed or variable. With fixed rates, the rate is set at the time the loan is established and remains at the rate for the entire loan term, regardless of any changes in the official cash rate (interest rate) as announced by the Reserve Bank of Australia.

    With variable interest rate loans, the rate on the loan may change in line with RBA changes if the lender passes on those changes to their customers.

    Jade arranges fixed interest rates for both business vehicle finance and Secured Motor Loans for personal borrowers. This provides you with certainty over the entire term of the loan.

  • By engaging Jade to source your motor loan, you have access to a large lending panel of both banks and non-bank lenders. Having more choices we know from experience can result in cheaper interest rates.

    Engaging Jade allows you access to our expertise in negotiating cheaper rates than you can usually achieve on your own. We have strong bargaining power as well as access to lenders that are more flexible and open to negotiating rates.

    Interest rates are offered by individual lenders based on the risk assessment of the individual applicant. Prior to applying for a loan, personal borrowers can address their credit profile and fix any issues which improve their profile and attract a better interest rate.

    Business borrowers seeking no docs and low docs loans can sometimes improve their chances of achieving a better interest rate by providing more documentation to support their application.

  • No. 0% interest rates tend to be offered by motor vehicle dealers. It is widely considered that this is used as a promotional tool to attract buyers. In most cases, the 0% is only for an initial, short-term period of the loan term and in some cases subsidised within the margin of the goods sold.

    This type of loan often includes inflated fees and charges so the lender can recoup the foregone interest on the loan.

    If you are offered a 0% interest rate vehicle loan, you would be advised to read closely the terms and conditions and analyse the costs and assess the total cost of the loan. Jade can source you a quote so you can compare what we can achieve for you in the total loan cost.

  • We provide finance for both personal motor loans and business vehicle finance so we advertise a separate rate for these two categories. Loans to businesses are considered as lower risk than loans to individuals and as such, attract a lower interest rate from the majority of lenders.

    Businesses have ongoing operations, often with long term trading histories and significant assets and ability to repay the loan compared with personal loan applicants.

    When sourcing quotes for all types of loans, Jade consultants address every application individually and negotiate hard on behalf of our customers to achieve the cheapest interest rates on all our loans.