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Car Loans

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Using a car loan to finance your vehicle purchase can give you a much better deal when compared to dealership finance.  And with speedy approvals you can be driving off with your dream car sooner than you think.  South West Credit offers a variety of car loans - something for everyone. 

Rate Crusher Variable Car Loan (Up to 5 Years Old)

Put yourself in the driver's seat when you negotiate a deal on your next car.

This offer is a for a strictly limited time.  Lock in this great rate by getting pre-approval and then concentrate on finding the car that's right for you.

  • No monthly loan account fees
  • No penalties for early repayments
  • Fast pre-approval
  • Redraw facility against your extra payments

From 5.65% pa
interest rate

From 5.89% pa+
comparison rate

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  Additional Information
Key Features
Interest Rate View our interest rates
Minimum amount $20,000
Maximum amount $70,000
Maximum age of car 5 years old
Loan period Up to 7 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly
Establishment fee Yes
Variable and lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility available Yes
Monthly account keeping/service fees No
Loan Protection Insurance available Yes
Auto repayments (payroll deduction) Yes 

Rate Crusher Fixed Car Loan (Up to 5 Years Old)

If you're looking for a car loan that puts you first, our Rate Crusher Car Loan might be just what you're looking for.  Offering a low fixed rate, you can feel confident in the knowledge that your repayments won't change over the life of the loan.

  • Fixed rate so you know your repayments wont change
  • Flexible repayment options to suit your finances
  • No monthly account keeping fees
  • No penalties for early payout or extra payments
  • A fast decision, usually within 24 hours

From 7.99% pa
interest rate

From 8.09% pa+
comparison rate

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  Additional Information
Key Features
Interest Rate View our interest rates
Minimum amount $5,000
Maximum amount $70,000
Maximum age of car 5 years old
Loan period Up to 7 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly
Establishment fee Yes
Variable and lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility available No
Monthly account keeping/service fees No
Loan Protection Insurance available Yes
Auto repayments (payroll deduction) Yes

New Car Loan (Up to 3 Years Old)

A better deal on your finance means a better car for you. We have a great rate on our new car loan, plus lots of benefits. You may have plans to travel far in your new car, but you need look no further for a great car loan.

  • Variable lump sum repayments
  • Loan Protection Insurance Available
  • No monthly account keeping fees

12.05% pa
interest rate

12.27% pa*
comparison rate

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Enquire Now

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  Additional Information
Key Features  
Interest Rate View our interest rates
Minimum amount $3,000
Maximum amount $70,000
Maximum age of car 3 years old
Loan period Up to 7 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly
Establishment fee Yes
Variable and lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility available No
Monthly account keeping/service fees No
Loan Protection Insurance available Yes
Auto repayments (payroll deduction) Yes

Used Car Loan (4-9 years old)

Arrange your finance before you start looking for your car. That way you know exactly how much you can haggle with. We have a great rate on our 4-9 year car loan, plus lots of benefits. You may have plans to travel far in your new car, but you need look no further for a great car loan.

  • No monthly account keeping fees
  • Early repayment without penalty
  • Variable lump sum repayments

13.05% pa
interest rate

13.47% pa^
comparison rate

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Enquire Now

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  Additional Information
Key Features
Interest Rate View our interest rates
Minimum amount $3,000
Maximum amount $50,000
Maximum age of car 9 years
Loan Period Up to 5 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly
Establishment fee Yes
Variable and lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility available No
Monthly account keeping/service fees No
Loan Protection Insurance available Yes
Auto repayments (payroll deduction) Yes

Used Car Loan (Over 9 years old)

Arrange your finance before you start looking for your car. That way you know exactly how much you have to haggle with. We have a great rate on our 9 year car loan, plus lots of benefits. You may have plans to travel far in your new car, but you need look no further for a great car loan.

  • Auto repayments available
  • Repayment insurance available
  • Early repayment without penalty

16.05% pa
interest rate

17.17% pa#
comparison rate

Apply Now

Enquire Now

Request a factsheet

  Additional Information
Key Features
Minimum amount $3,000
Maximum amount $30,000
Maximum age of car Assessed on merit
Loan period 3 years
Repayments Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly
Establishment fee Yes
Variable and lump sum repayments Yes
Early repayment without penalty Yes
Redraw facility available No
Monthly account keeping/service fees No
Loan Protection Insurance available Yes
Auto repayments (payroll deduction) Yes

More Information

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Product Factsheet

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Questions

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+ Comparison rates are calculated on a loan amount of $50,000 over a term of 7 years.

* Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years.

^ Comparison rates are calculated on a loan amount of $20,000 over a term of 4 years.

# Comparison rates are calculated on a loan amount of $10,000 over a term of 3 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.