Car loans

Get there

Take the smart route with low rates from 8.59% comparison 10.12% for excellent credit.

Loans that go the extra mile

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

  • Same day settlement is possible.

  • You can also cover insurance and other costs.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a car loan.

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  • 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

Not your average lender

We’re smart, with a big heart.

  • 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 estimate 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

  • Features

    No early repayment fees

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

Q1: Do you accept new and used vehicles?

Yep, the car yard is your oyster. New or used, for work or private use, we’ll help you get a fresh set of wheels sooner.

Q2: What if I want to buy a motorcycle?

Although we don’t take motorcycles as security just yet, we can still help you get that bike of your dreams with an unsecured loan. Just choose the loan purpose as ‘motorbike’ in the application form. You can find out more here.

Q3: What are your interest rates?

The rate we calculate is personalised to you. Secured loans start from 8.59% comparison 10.12% for customers with excellent credit and are fixed for the life of the loan.

Q4: What are the fees for paying off my loan early?

There are none! In fact, we want to help you pay it off sooner. We offer Booster Payments free of charge, plus a clever feature called Round Up in Wisr app that rounds up your everyday transactions and allocates it to a debt of your choice.


For the curious

  • 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.

  • The boring (but important) stuff