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BSB 512-170 1300 13 22 77

Car loan

Drive away with a great rate on a new or used vehicle up to 5 years old

Apply now

Fixed car loan

For vehicles up to 5 years old

Fixed Interest rate:

6.79%p.a. 1

Comparison rate from:

7.84%p.a. *

Variable car loan

For vehicles up to 5 years old

Variable Interest rate:

6.79%p.a. 2

Comparison rate from:

7.84%p.a. *

What’s eligible?

Vehicles up to 5 years old or electric vehicles that are brand new or demonstrator model up to 12 months old with a maximum of 5,000kms.
Must be registrable and insurable.

Car

Cars

Electric vehicle

Electric Vehicles

Caravan

Caravans

Motorbike

Motorbikes

Boat

Boats

Jet ski

Jet skis

Features and benefits

Easy

Loan terms over 1-7 years so you can find a repayment to suit your budget.

Flexible

Peace of mind that you can redraw repayments made in advance on your loan.

Options

From cars and motorbikes to caravans, boats and jet skis, we finance a wide range of vehicles — not just the family car.

$10

Monthly fee

A small monthly fee applies.

$249

Application fee

We’ll simply add this to your loan. Includes the PPSR fee.

$10,000

Minimum loan amount

Maximum loan amount is subject to credit assessment.

How to apply

You can apply online, over the phone or at one of our branches.
We can arrange a swift conditional approval so you can start your search.

Apply online

Getting started

Calculate your repayments
You can apply if you’re over 18, an Australian citizen or permanent resident, and have a regular income. You’ll also need to have been in your current job for more than 6 months, have no history of bankruptcy (including Part IX agreements), no defaults on loans, credit cards, interest-free finance or store cards in the last 5 years, and an acceptable credit risk profile.
You’ll need to provide your personal details (current and previous address, phone number and email address), along with details of your income, employment, assets (such as your home, car or savings) and debts (mortgages, loans and credit cards). You’ll also need to provide your account transaction listing showing where your income is deposited, via our Bank Statements service.
If you’re self-employed, we may also ask for your last 2 years’ tax returns and financials/profit & loss statements (personal and/or company) to support your income, proof of any rental income (real estate statement or executed lease) and your latest Notice of Assessment.

Common Questions

Vehicle age is based on the compliance date shown on the vehicle’s compliance plate — not the build date. For example, if you’re purchasing in 2026, the vehicle must have a compliance date no earlier than 2021. The compliance plate is usually located on the driver’s side door frame.
The vehicle needs to be able to be legally registered for road use (where applicable) and covered by comprehensive insurance. This generally excludes written-off, unregistered, or non-compliant vehicles.
Yes, you can borrow to purchase a vehicle whether you’re purchasing privately or through a dealership.
Because this is a secured loan, the loan must be paid out in full before or at the time of sale — either from your own funds or from the sale proceeds. Once the loan is fully repaid, we’ll remove our financial interest from the PPSR (Personal Property Securities Register). We can provide a payout figure so you know how much is owing and can pass on the correct payment details to your buyer.
Yes – you can add the cost of a wall charger to the loan if you’re buying an electric vehicle.

Buying an older vehicle?

If you’re buying something older, our unsecured personal loan is a flexible option that could still help get you moving.

Find out more

Fees and charges

An Early Repayment Fee (ERF) applies for fixed loans. Refer to our latest fees and charges schedule for more information about fees and charges.

Fees and charges


Credit eligibility criteria, terms & conditions, fees & charges apply. You can view Target Market Determinations here . 
1 Rate is current as at 22/05/26 and subject to change without notice.
2 Rate is current as at 22/05/26 and subject to change without notice.
*The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 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.

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

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Call us today on

1300 13 22 77

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Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170