Interest rate
Features
Repayment calculator
How to apply
FAQs
Repayment calculator
2. Add the interest rate (6.90% for new car loans)
3. Add loan duration, up to 60 months (5 years)
Rates for
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="0px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="low-interest-pl-rate" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_padding="0px|0px|24px|0px|false|false" locked="off" global_colors_info="{}"]New cars
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="smsf-features" _builder_version="4.21.0" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_margin="||0px||false|false" custom_padding="0px|0px|10px|0px|false|false" locked="off" global_colors_info="{}"]7.90% p.a
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||0px||false|false" custom_padding="0px|64px|0px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||10px||false|false" custom_padding_tablet="" custom_padding_phone="||10px||false|false" custom_padding_last_edited="on|phone" global_colors_info="{}"]Rates for
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="0px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="low-interest-pl-rate" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_padding="0px|0px|24px|0px|false|false" locked="off" global_colors_info="{}"]Used cars
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="smsf-features" _builder_version="4.21.0" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_margin="||0px||false|false" custom_padding="0px|0px|10px|0px|false|false" locked="off" global_colors_info="{}"]8.90% p.a
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" module_id="term-investment-rates" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="12px|64px|12px|64px|false|false" custom_padding_tablet="12px|24px|12px|24px|false|false" custom_padding_phone="0px|24px|0px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_divider color="#e3e6e8" divider_weight="1px" _builder_version="4.16" _module_preset="default" width="100%" max_width="1200px" max_width_tablet="" max_width_phone="" max_width_last_edited="on|phone" custom_margin="0px||0px||false|false" custom_padding="0px|0px|0px|0px|false|false" global_colors_info="{}"][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="24px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="low-interest-pl-rate" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_padding="0px|0px|24px|0px|false|false" locked="off" global_colors_info="{}"]Term
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="smsf-features" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_margin="||0px||false|false" custom_padding="0px|0px|10px|0px|false|false" locked="off" global_colors_info="{}"]1–5 years
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" module_id="term-investment-rates" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="12px|64px|12px|64px|false|false" custom_padding_tablet="12px|24px|12px|24px|false|false" custom_padding_phone="0px|24px|0px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_divider color="#e3e6e8" divider_weight="1px" _builder_version="4.16" _module_preset="default" width="100%" max_width="1200px" max_width_tablet="" max_width_phone="" max_width_last_edited="on|phone" custom_margin="0px||0px||false|false" custom_padding="0px|0px|0px|0px|false|false" global_colors_info="{}"][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="32px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="car-loan-rates-features" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_padding="0px|0px|24px|0px|false|false" locked="off" global_colors_info="{}"]Features
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Get a loan for most vehicles
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]This includes new and used cars, caravans, motorbikes and boats
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Fund the whole vehicle
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]Borrow up to 100% of the vehicle purchase price
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="24px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|20px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]No early repayment fees
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]Pay off the loan whenever it suits you. No additional fees or maximums apply.
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|20px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Options for bad credit
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]We’ll do our best to get you a car loan even with a bad credit
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" module_id="term-investment-rates" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="12px|64px|12px|64px|false|false" custom_padding_tablet="12px|24px|12px|24px|false|false" custom_padding_phone="0px|24px|0px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_divider color="#e3e6e8" divider_weight="1px" _builder_version="4.16" _module_preset="default" width="100%" max_width="1200px" max_width_tablet="" max_width_phone="" max_width_last_edited="on|phone" custom_margin="0px||0px||false|false" custom_padding="0px|0px|0px|0px|false|false" global_colors_info="{}"][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_2,1_2" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|on" _builder_version="4.25.1" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="32px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" disabled="on" locked="off" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="car-loan-repayment-calculator" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="30px" custom_padding="0px|0px|24px|0px|false|false" locked="off" global_colors_info="{}"]Repayment calculator
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]1. Choose an amount for the car or vehicle
2. Add the interest rate (7.90% for new car loans)
3. Add loan duration, up to 60 months (5 years)
How to apply
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|10px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Who can apply
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]• You must be over 18 years old
• You must be an Australian resident
What you need
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]• Driver’s licence or proof of identity (if you’re a new members)
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="24px|64px|32px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|20px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Apply online in minutes
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]Get a decision in 24 hours. You’ll be notified by email if your application is successful.
[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|20px|0px|0px|false|false" custom_padding_tablet="" custom_padding_phone="||20px||false|false" custom_padding_last_edited="on|phone" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|700|||||||" text_text_color="#000000" custom_padding="0px|0px|4px|0px|false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|phone" locked="off" global_colors_info="{}"]Managing your loan
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" custom_padding="||||false|false" global_colors_info="{}"]Use APS Online to access your loan, make repayments and track your repayment history.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="on|on|off" module_id="term-investment-rates" _builder_version="4.16" background_color="#ffffff" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="12px|64px|12px|64px|false|false" custom_padding_tablet="12px|24px|12px|24px|false|false" custom_padding_phone="0px|24px|0px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_color="#ffffff" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_divider color="#e3e6e8" divider_weight="1px" _builder_version="4.16" _module_preset="default" width="100%" max_width="1200px" max_width_tablet="" max_width_phone="" max_width_last_edited="on|phone" custom_margin="0px||0px||false|false" custom_padding="0px|0px|0px|0px|false|false" global_colors_info="{}"][/et_pb_divider][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_2,1_2" custom_padding_last_edited="on|phone" _builder_version="4.16" _module_preset="default" background_color="#ffffff" width="95%" width_tablet="95%" width_phone="" width_last_edited="on|phone" max_width="1296px" custom_padding="32px|64px|32px|64px|false|false" custom_padding_tablet="16px|24px|16px|24px|false|false" custom_padding_phone="32px|24px|32px|24px|false|false" locked="off" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" _module_preset="default" custom_padding="||0px||false|false" global_colors_info="{}"][et_pb_cta button_url="#" _builder_version="4.16" header_text_align="left" header_font_size="30px" background_enable_color="off" use_background_color="off" button_alignment="left" background_layout="light" custom_margin="0px||40px||false|false" custom_padding="0px|10px|0px|40px|false|false" border_width_left="4px" border_color_left="#14ba4f" global_colors_info="{}"]“Wonderful compared all the other lenders. They help you when life throws curve balls – tough times.”
–Rebecca
“Always exceptional customer service. APS make the loan application process so easy and effortless.”
–Heather
Resources to get you started
[/et_pb_text][et_pb_blurb url="https://apsbenefitsgroup.com.au/2020/07/13/difference-between-a-secured-car-loan-and-a-personal-loan/" image="https://apsbenefitsgroup.com.au/wp-content/uploads/2020/07/secured-car-loan-1.png" alt="APS Savings compare" icon_placement="left" image_icon_width="200px" content_max_width="100%" image_icon_width_tablet="200px" image_icon_width_phone="150px" image_icon_width_last_edited="on|phone" _builder_version="4.16" _module_preset="default" background_color="#ffffff" custom_padding="5px|5px|5px|5px|false|false" link_option_url="https://apsbenefitsgroup.com.au/2020/07/13/difference-between-a-secured-car-loan-and-a-personal-loan/" border_radii="on|5px|5px|5px|5px" border_width_all="1px" border_color_all="#dadada" image_max_width="200px" image_max_width_tablet="" image_max_width_phone="150px" image_max_width_last_edited="on|phone" global_colors_info="{}"]Choosing between a car loan and personal loan
[/et_pb_blurb][et_pb_blurb url="https://apsbenefitsgroup.com.au/2020/07/13/why-choose-a-car-loan/" image="https://apsbenefitsgroup.com.au/wp-content/uploads/2020/07/secured-car-loan-2-1.jpg" alt="term investment" icon_placement="left" image_icon_width="200px" content_max_width="100%" image_icon_width_tablet="200px" image_icon_width_phone="150px" image_icon_width_last_edited="on|phone" _builder_version="4.16" _module_preset="default" background_color="#ffffff" custom_padding="5px|5px|5px|5px|false|false" link_option_url="https://apsbenefitsgroup.com.au/2020/07/13/why-choose-a-car-loan/" border_radii="on|5px|5px|5px|5px" border_width_all="1px" border_color_all="#dadada" image_max_width="200px" image_max_width_tablet="" image_max_width_phone="150px" image_max_width_last_edited="on|phone" global_colors_info="{}"]Why choose a car loan?
[/et_pb_blurb][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" custom_padding_last_edited="on|phone" _builder_version="4.16" _module_preset="default" background_color="#f2f5f7" max_width_tablet="" max_width_phone="" max_width_last_edited="on|desktop" custom_padding="0px||0px||false|false" custom_padding_tablet="" custom_padding_phone="" locked="off" global_colors_info="{}"][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="off|off|off" module_id="smsf-get-help" _builder_version="4.16" background_enable_color="off" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="64px|64px|0px|64px|false|false" custom_padding_tablet="24px|24px|0px|24px|false|false" custom_padding_phone="24px|24px|0px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_radii="on|5px|5px|5px|5px" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="32px" header_font="|800|||||||" header_font_size="32px" custom_padding="||12px||false|false" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|phone" text_font_size_tablet="24px" text_font_size_phone="" text_font_size_last_edited="on|phone" global_colors_info="{}"]We’re here to help you
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" global_colors_info="{}"]Reach us from 9:00am until 5:00pm weekdays
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_3,1_3,1_3" use_custom_gutter="on" gutter_width="2" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="off|off|off" module_id="term-investment-rates" _builder_version="4.16" background_enable_color="off" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="24px|64px|64px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|24px|24px|24px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_blurb title="Message us" url_new_window="on" use_icon="on" font_icon="||divi||400" icon_color="#000000" icon_placement="left" image_icon_width="30px" content_max_width="1080px" content_max_width_tablet="" content_max_width_phone="" content_max_width_last_edited="on|phone" _builder_version="4.16" header_font="|800|||||||" header_text_align="left" header_font_size="20px" body_font="||||||||" background_enable_color="off" max_width="100%" module_alignment="center" link_option_url_new_window="on" border_color_all="#8c8c8c" border_color_right="rgba(140,140,140,0.4)" icon_font_size="30px" global_colors_info="{}"][/et_pb_blurb][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_blurb title="Phone" url_new_window="on" use_icon="on" font_icon="||divi||400" icon_color="#000000" icon_placement="left" image_icon_width="30px" content_max_width="1080px" content_max_width_tablet="" content_max_width_phone="" content_max_width_last_edited="on|phone" _builder_version="4.16" header_font="|800|||||||" header_text_align="left" header_font_size="20px" body_font="||||||||" background_enable_color="off" max_width="100%" module_alignment="center" link_option_url_new_window="on" border_color_all="#8c8c8c" border_color_right="rgba(140,140,140,0.4)" icon_font_size="30px" global_colors_info="{}"]1300 131 809
[/et_pb_blurb][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_blurb title="Email" url_new_window="on" use_icon="on" font_icon="||divi||400" icon_color="#000000" icon_placement="left" image_icon_width="30px" content_max_width="1080px" content_max_width_tablet="" content_max_width_phone="" content_max_width_last_edited="on|phone" _builder_version="4.16" header_font="|800|||||||" header_text_align="left" header_font_size="20px" body_font="||||||||" background_enable_color="off" max_width="100%" module_alignment="center" link_option_url_new_window="on" border_color_all="#8c8c8c" border_color_right="rgba(140,140,140,0.4)" icon_font_size="30px" global_colors_info="{}"]info@apsbenefitsgroup.com.au
[/et_pb_blurb][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="1" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="off|off|off" _builder_version="4.16" background_enable_color="off" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|phone" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="32px|64px|0px|64px|false|false" custom_padding_tablet="24px|24px|0px|24px|false|false" custom_padding_phone="24px|0px|0px|0px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_radii="on|5px|5px|5px|5px" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text module_id="car-loan-faqs" _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="32px" header_font="|800|||||||" header_font_size="32px" custom_padding="||12px||false|false" custom_padding_tablet="" custom_padding_phone="" custom_padding_last_edited="on|phone" text_font_size_tablet="24px" text_font_size_phone="" text_font_size_last_edited="on|phone" global_colors_info="{}"]FAQs
[/et_pb_text][et_pb_accordion open_toggle_text_color="#000000" open_toggle_background_color="#ffffff" closed_toggle_background_color="#ffffff" icon_color="#0038c7" use_icon_font_size="on" icon_font_size="24px" _builder_version="4.21.0" toggle_text_color="#000000" toggle_font="Lato||||||||" toggle_font_size="17px" closed_toggle_font="Lato||||||||" closed_toggle_font_size="17px" body_font="Lato||||||||" text_orientation="left" custom_margin="|0px||0px|false|false" custom_padding="||||false|false" border_radii="on|3px|3px|3px|3px" border_color_all="#d6d6d6" global_colors_info="{}"][et_pb_accordion_item title="Do I need to be a member of APS Benefits?" open="on" _builder_version="4.21.0" global_colors_info="{}"]Yes, you need to be a member of APS Benefits Group. Being a member entitles you to more
than a funeral benefit. You also have access to our wide range of personal and financial
services such as Tax, Accounting, Wills and Estates, Financial Planning, APS Savings and
Mortgage Broking.
There are no monthly fees, no application fees and no penalty for early repayment. As a not-for-profit cooperative, we are focused on helping to pay your loan off as efficiently as possible without the added stress of fees!
[/et_pb_accordion_item][et_pb_accordion_item title="How long will it take to obtain approval of a loan?" _builder_version="4.16" global_colors_info="{}" open="off"]Approval may be obtained within one business day.
[/et_pb_accordion_item][et_pb_accordion_item title="Can I pay off my loan early?" _builder_version="4.16" global_colors_info="{}" open="off"]All our loans can be paid out whenever the member wishes without penalty
[/et_pb_accordion_item][et_pb_accordion_item title="I do not have a good credit history and have defaults listed, will I be eligible?" _builder_version="4.16" global_colors_info="{}" open="off"]Yes, applications will be assessed on a case by case basis.
[/et_pb_accordion_item][et_pb_accordion_item title="What happens if I can no longer afford my loan repayments?" _builder_version="4.21.0" global_colors_info="{}" open="off"]If you can no longer afford your loan repayments, we ask that you contact the APS loans team to arrange an amicable repayment plan. If you are experiencing challenges that affect your ability to repay your loan, we will work with you to make necessary adjustments.
[/et_pb_accordion_item][et_pb_accordion_item title="Can I take out a second loan, even if I already have one?" _builder_version="4.16" global_colors_info="{}" open="off"]You can have multiple APS Car Loans, Caveat Loans and Home Loans. However, you can only
have one Personal Loan or Special Purpose Loan.
Yes, pre-approval is available.
[/et_pb_accordion_item][et_pb_accordion_item title="What interest rate will I be charged?" _builder_version="4.21.0" global_colors_info="{}" open="off"]The interest rate is determined by the age of the car.
New car – 7.90%
Used car – 8.90%
[/et_pb_accordion_item][et_pb_accordion_item title="Can I top up my loan mid-term?" _builder_version="4.21.0" global_colors_info="{}" open="off"]No, car loans need to be repaid in full.
[/et_pb_accordion_item][et_pb_accordion_item title="Can I have more than one Secured Car Loan?" _builder_version="4.21.0" global_colors_info="{}" open="off"]Yes.
[/et_pb_accordion_item][et_pb_accordion_item title="How can I repay this loan?" _builder_version="4.21.0" global_colors_info="{}" open="off"]Loan repayments must be made by either allotment from your salary or direct debit from your bank account. Repayments from a bank account may be made weekly, fortnightly or monthly.
[/et_pb_accordion_item][et_pb_accordion_item title="What is the maximum term?" _builder_version="4.21.0" global_colors_info="{}" open="off"]The maximum term for a Secured Car Loan is five years.
[/et_pb_accordion_item][et_pb_accordion_item title="If I am self-employed, am I eligible?" _builder_version="4.21.0" global_colors_info="{}" open="off"]Yes, however we would generally require that you have been self-employed for at least one
financial year and will need to supply an ABN and taxation returns. We may also require BAS to support your application.
Notices & downloads
[/et_pb_text][/et_pb_column][et_pb_column type="2_3" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.21.0" _module_preset="default" text_font="||||||||" background_color="#ffffff" custom_padding="0px||0px||false|false" border_color_all="#ffffff" global_colors_info="{}"]| Comparison rate schedule PDF • 301KB |
Download |
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_gutter="on" gutter_width="2" make_equal="on" custom_padding_last_edited="on|phone" disabled_on="off|off|off" module_id="term-investment-rates" _builder_version="4.16" background_color="#f2f5f7" width="95%" width_tablet="100%" width_phone="100%" width_last_edited="on|desktop" max_width="1296px" max_width_tablet="95%" max_width_phone="" max_width_last_edited="on|phone" module_alignment="center" custom_margin="0px||||false|false" custom_padding="64px|64px|64px|64px|false|false" custom_padding_tablet="24px|24px|24px|24px|false|false" custom_padding_phone="24px|0px|24px|0px|false|false" border_color_bottom="#dadada" locked="off" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" background_enable_color="off" custom_padding="0px|0px|0px|0px|false|false" border_color_all="#8c8c8c" global_colors_info="{}"][et_pb_text _builder_version="4.16" _module_preset="default" text_font="|800|||||||" text_text_color="#000000" text_font_size="32px" header_font="|800|||||||" header_font_size="32px" custom_padding="||0px||false|false" custom_padding_tablet="||0px||false|false" custom_padding_phone="" custom_padding_last_edited="on|desktop" text_font_size_tablet="24px" text_font_size_phone="" text_font_size_last_edited="on|phone" global_colors_info="{}"]
Important information
[/et_pb_text][et_pb_text _builder_version="4.16" _module_preset="default" global_colors_info="{}"]Terms, conditions, fees, charges and lending criteria apply and are available on application. The information above is general advice only and does not take into account your personal objectives, financial situation or needs and you should consider if it appropriate for you.
1. Comparison rate calculation is based on a secured loan of $10,000 for a term of 3 years with fortnightly repayments unless otherwise stated. WARNING: The Comparison Rate applies only to the examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs such as redraw fees (top up fees), dishonour fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.
[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]