
Car Loan
Whether you’re upgrading, upsizing or buying your first car, you can get it faster with our fixed interest car loan. Borrow $5,000 or more and enjoy a great low fixed rate on a loan term up to 7 years when buying a new or second hand car less than 5 years old.
Category: Personal Loans Last Updated March 31, 2025 Effective April 14, 2025
General Lending Rates
Rates listed below are for a FIXED product. Additional Information Rates are subject to change
Interest Rate
7.74% PA
7.74% PA
Comparison Rate
8.75%PA*
8.75%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
- Other Additional Information: Maximum loan term 7 years
- Other Additional Information: Choose a repayment frequency to suit you. Pay weekly, fortnightly or monthly over 1 to 7 years from the linked Australian Unity transaction account.
- Digital Banking Additional Information: Manage your account from anywhere with our Internet Banking or mobile banking app.
- Other Additional Information: You can make additional payments, however early loan payout on a fixed rate loan may result in break costs being charged.
- Insurance Additional Information: Fully comprehensive car/motorcycle/caravan insurance required
- Other Additional Information: Borrow $5,000 or more and enjoy a great low fixed rate on a loan term up to 7 years.
Product Eligibility
- Residency Status - You Must Be An Australian Citizen Or Permanent Australian Resident That Resides In Australia.. Additional Information: You must be an Australian citizen or permanent Australian resident that resides in Australia.
- Min Age - 18. Additional Information: To apply you need to be 18 years of age or over.
Bank Fees and Charges
- Establishment Fee (Upfront), Amount: 199.00. Additional Information: Payable on all new personal loan products including secured, partly secured, unsecured and car loan products.
- Loan Re-documentation Fee (Event), Amount: 150.00. Additional Information: Payable if the loan documents need to be reprepared due to a change in requirements by the customer. This fee also applies should you not proceed with the loan after the new loan contract is prepared.
Limitations & Restrictions (Constraints)
- Min Balance of 5000 Additional Information: Minimum loan balance of $5000
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