Secured Car Loans

Loans that go
the extra mile

Get a personalised rate estimate in 2 minutes that won't impact your credit score.

Loans that go the extra mile

  • Find rates as low as 8.59% comparison rate 10.12% .

  • Borrow from $10,000 to $147,000 over 3, 5 or 7 years.

  • You can also cover insurance and other costs.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a car loan.

  • Select Loan Type
  • Monthly
  • Select Loan Term
  • Exceptional
Get estimate
  • $0.00
    Monthly repayment
  • 0.00%p.a.*
    Comparison rate
  • $0.00
    Total interest


Total Repayments$0.00
Total Interest$0.00
Amount Required$0.00
Establishment Fee+ $0.00
Loan Total$0.00
Interest Rate (p.a.)10.00%

The Wisr Difference

Wisr isn't your average lender

  • Your rate is tailored based on your credit score.

  • You'll get an outcome that's right for you.

  • With no early repayment fees.

  • Learn how to keep them in shape.

  • Our customer service team is ready to help.


For the part of you that learns from others

The Process

We keep it simple

  • 01

    Get your personalised rate in 2 minutes

  • 02

    Apply online and get a response right away

  • 03

    Upload your documents

  • 04

    Sign on the digital line

  • 05

    Get your money within 24-48 hours

Product features and fees
  • Loan Purpose

    Secured car loan

  • Interest rate

    Fixed from 8.59% to 15.49%

  • Comparison rate

    Fixed from 10.12% to 17.03%

  • Loan Amount

    $10,000 - $147,000

  • Terms

    3, 5 and 7 years

  • Establishment fee

    $605 for refinance

    $605 for dealer sale

    $655 for private sale

  • Account Fee

    $10 per month

  • Late Payment Fee


  • Payment Dishonour Fee


  • Features

    No early repayment fees

Eligibility criteria
  • Gross income over $25,000 p.a.
  • Over 18 years of age (sorry kids)
  • No unpaid defaults last 5 years
  • No bankruptcies last 7 years
  • Not currently in financial hardship
  • Permanent Australian resident (living in Australia right now)

Help Centre

What we get asked

  • The main difference is that with a secured personal loan you have to provide an asset as a guarantee your car in this case, while you don't with an unsecured personal loan. It means that secured loans generally come with lower interest rates.

Tired of scrolling?

Get a hold of a Wisr human on 1300 992 007. Or email contact@wisr.com.au to get the help you need.

Tired of scrolling?
  • The boring (but important) stuff