Take the smart route with low rates from 7.54% 1 comparison 9.08% 5* for excellent credit.
New Car loans
NOTHING
QUITE LIKE
THE FEELING
QUITE LIKE
THE FEELING
Loans
that go the
extra mile
Find rates as low as 7.54% 1 comparison rate 9.08% 5*.
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 new car loan.
- Monthly
- Exceptional
Get estimate
Details
| Total Repayments | $0.00 |
|---|---|
| Total Interest | $0.00 |
| Amount Required | $0.00 |
| Establishment Fee | + $0.00 |
| Loan Total | $0.00 |
| Interest Rate (p.a.)1 | 0.00% |
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.
Testimonials
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
New car loan
- Interest rate
Fixed from 7.54% 1 to 15.94%
- Comparison rate
Fixed from 9.08% 5* to 17.48% 5*
- 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: What’s the difference between a Wisr car loan and dealership finance?
Dealership financing often includes balloon payments or fixed contracts that are hard to exit. Wisr car loans give you flexible terms, fixed repayments, and no exit fees if you want to pay off your loan early. Plus, you’ll have all the support and resources available to you from our team.
Q2: Do I need to provide a deposit?
No deposit is required. Depending on your lending capacity, you can borrow up to the full value of the car.
Q3: What fees and charges should I know about?
We don’t charge any early exit fees. We want you to get on top as quickly as you can!
We charge a one-off establishment fee at the beginning of your loan term. This $595 is included in your repayment calculations and averaged out over the life of the loan.
If your direct debit dishonours, we charge a $15 dishonour fee and a $30 late payment fee to cover the cost that the banks charge us and the operational task for our team to manage this.
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 Wisr App feature called Round Up that rounds up your everyday transactions and allocates it to a debt of your choice.
FAQ
For the curious
Yes! You can include on-road costs such as registration, CTP insurance, stamp duty, and even accessories in your total loan amount. Just speak to us first so we can help factor this into your loan.
More Resources
The boring (but important) stuff
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1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but who do not meet the requirements for our lowest rates. Interest rates range from minimum 7.54% p.a. to a maximum 15.94% p.a. Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 7.54% p.a. comparison rate 9.08% p.a. and a $605 establishment fee, the monthly repayment would be $623.84 and the total cost over the life of the loan including the establishment fee and $10 Monthly Account Fee would be $37,430.60.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
3: Comparison rates based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.
4: Comparison rates based on $10,000 secured loan, fixed over 3 years, with monthly repayments.
5: Comparison rates based on $30,000 secured loan, fixed over 5 years, with monthly repayments with a total loan amount compared to the vehicle asset valuation less than or equal to 130%.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms may result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.