Low rate car loans

Quick and easy car finance. Fast online application and friendly customer service.

Secured and unsecured car loan terms from 6 months to 5 years.

RateSetter wins Canstar & Mozo awards

Get a better finance deal for your new set of wheels

Fast car loans for new and used cars.

Start here

Takes 1 minute and won't affect your credit score

Simply a better way to borrow

  • Take time to shop

    Haven’t found the perfect car? Our pre-approval can give you up to 30 days to find your dream wheels

  • Low interest rates

    We reward good borrowers with low rates on car loans for new and used vehicles

  • Fast online application

    No obligation 1 minute RateEstimate. Online application completed in minutes

  • Simply smarter

    No exit fees or early repayment penalties. Easy online loan management

Car loans in 48 hours

Save time before applying by making sure:

  • You are aged 21 or over
  • You are an Australian citizen or permanent resident
  • You have a regular source of income
  • You have a good credit history

Get your personalised rate
  1. 1

    Apply online 5 minutes

    Find your personalised rate with our 1 minute RateEstimate (it won't affect your credit score), then complete our easy online application in minutes
  2. 2

    Hear from us 2 hours

  3. 3

    Get a decision 24 hours

  4. 4

    Receive your funds 48 hours

Helping Australians get behind the wheel


Value of loans funded

10,000+ delighted borrowers

Loved by car buyers Australia-wide

RateSetter personal loans are rated 4.9 / 5 by actual borrowers on independent review website ProductReview.com.au. RateSetter offers the highest rated personal loan in Australia.

RateSetter wins Canstar and Mozo awards

"The customer service is excellent,
friendly and approachable.
Now I got the car I wanted
I am very pleased."

Maria Sydney

"I had no idea how much I could save. By moving over my loan from the bank to RateSetter, I'll be saving myself thousands in interest thanks to their very competitive rates"

Sam Gold Coast

"This is my first time to get a
car loan. Stress free application
and the staff is very supportive
and helped me all along the way."

Jason ACT
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Ready to buy your car?

Get your personalised rate

RateSetter personal loan repayment terms range from 6 months to 5 years. Interest rates range from 3.7% (comparison rate 10.01%) to 9.6% (comparison rate 11.45%), subject to change depending on the rates offered by lenders in our Lending Markets. 

* Representative example: For a 36 month, $10,000 loan for a borrower with a good credit history at a comparison rate of 10.2% p.a., the estimated total amount payable including fees is $11,650 (interest payable is $1,412). 

Rates stated as at 9:00 AM, 18 January 2017 and are subject to change. RateSetter credit criteria and terms and conditions apply. 

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