Secured Car Loans

SECURE
YOUR
NEXT RIDE

Take the smart route with low rates from 7.54% comparison 9.08% for excellent credit.

Loans that go the extra mile

  • Find rates as low as 7.54% comparison rate 9.08% .

  • 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 secured car loan.

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Get estimate
  • $0.00
    Monthly repayment
  • 0.00%p.a.*
    Comparison rate
  • $0.00
    Total interest

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.)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.

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

    Secured car loan

  • Interest rate

    Fixed from 7.54% to 15.94%

  • Comparison rate

    Fixed from 9.08% to 17.48%

  • 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 an unsecured vehicle loan and a secured vehicle loan?

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

Q2: Do you accept new and used vehicles?

Yes! New or used, dealership or private sale, we’ll help you get the vehicle of your dreams.

Q3: What are your interest rates?

The rate we calculate is personalised to you. Secured loans start from 7.54% comparison 9.08% 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 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. In many cases you can refinance to get a better rate or choose a different loan structure, including switching to an unsecured loan if your financial situation improves.

  • The boring (but important) stuff