Loans.com.au: Competitive Car and Home Loans in Australia – Money Advice Experts in Services

Loans.com.au, an online lender, has gained recognition in Australia for its discounted home loans and competitive car loan offerings for new and used vehicles, including electric cars and caravans. Borrowers can access financing ranging from $5,000 to $150,000, with options for variable or fixed interest rates. The company’s products feature a redraw facility, allowing customers to access additional funds if they are ahead on repayments, and offer loan terms spanning three to seven years.

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Interest rates for new cars currently stand at 6.24% for variable loans and 6.89% for fixed loans, with comparison rates slightly higher. For used cars, rates start at 7.74% for variable loans and 7.59% for fixed loans. While Loans.com.au provides quick approvals and settlements, borrowers should be aware of fees such as an early termination levy, application fee, and monthly account fee.

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Loans.com.au, backed by Firstmac, has positioned itself as a digital-first lender since its inception in 2011, offering fast loan approvals and settlements. The company expanded its services to include low-cost car and caravan loans, with a focus on green and electric vehicles. Loans.com.au’s application process is straightforward, with pre-approvals available in around 30 minutes and final settlements completed within two to four business days.

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Borrowers can access financing for new and used cars, as well as new and used caravans, with an emphasis on fuel-efficient and environmentally friendly vehicles. The company’s green and EV loan products offer competitive interest rates, while the fees associated with Loans.com.au loans include an application fee, monthly account fee, and early termination fee.

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Customer service is a priority for Loans.com.au, offering multiple channels for support and assistance. Reviews of the company’s car loans are largely positive, with an average rating of 4.5 stars out of over 700 reviews on Product Review. While Loans.com.au provides appealing financing options for Australian consumers, borrowers should be mindful of fees and costs associated with early loan termination.

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Overall, Loans.com.au presents a solid option for individuals seeking car financing, particularly for new vehicles and environmentally friendly options. The company’s commitment to customer service and transparent lending practices contribute to its positive reputation in the market.