Car loans

Get there

Take the smart route with low rates from 4.74% comparison 5.56% for excellent credit.

Loans that go the extra mile

  • Find rates as low as 4.74% comparison rate 5.56% .

  • There’s no hidden or ongoing fees.

  • 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.

  • 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

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 ongoing or 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 4.74% to 16.01%

  • Comparison rate

    Fixed from 5.56% to 16.93%

  • Loan amount

    $5,000 – $64,000

  • Terms

    3, 5 and 7 years

  • Establishment fee

    $605 for refinance $605 for dealer sale $655 for private sale

  • Features

    No ongoing or early repayment fees

Eligibility criteria
  • Gross income over $30,000 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)


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