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Quickly Compare Lender Interest Rates on Car Finance

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.

Loan Amount $ Loan Term
Lender Loan Product Advertised Rate Comparison Rate Monthly Repayment
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

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!

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

We compare car loan rates through varieties of Australian financial institutions.

A banking institution or financier might quote their particular loan in a different way. A car loans interest rates 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 asssit on subject to lender criteria, affordablity 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 Finance carry out the hard work and spend less on your new loan.

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Request a free finance quote by calling 1300 000 003 or directly online.

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28 Nov Today's
best rates
Today's Business Rate
From {{Advertised Rate Only}} %*

*The Interest Rate is calculated on a Secured Loan for business use, effective 28/11/2023 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 {{Advertised Rate Only}} %
Comparison Rate
From {{Comparison Rate Only}} %**

**The Comparison Rate is calculated on a Secured Loan of $30,000 fixed for a term of 5 years, new goods, effective 28/11/2023 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 Loans Interest RateCalculator

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.

Finance Calculator Disclaimer

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.

Is the car loan interest rate fixed or variable?   

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.

How can I get a cheaper interest rate?   

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 on 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 to achieve a better interest rate by providing more documentation to support their application.

Do you offer 0% interest rate car loans?    

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.

Why is the business vehicle interest rate cheaper than personal car loans?   

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.

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