Fixed Rate Car Loan

Fixed Rate Car Loan

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We'd love to help you with a Fixed Rate Car Loan

Our rates are very competitive:

  • 8.99% pa fixed for up to 7 years*
  • 9.24% pa comparison rate^
  • Call 1300 855 675 or request a callback

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Great news for 18 to 24 year olds

We also have a Smart Start Car Loan with no application fee:

  • 2.99% pa fixed for 6 months
  • 7.21% pa comparison rate*


  • Redraw available
  • No monthly fees
  • No early repayment penalties
  • Pre-approval available+

More Information

* Eligibility criteria, terms and conditions, fees and charges apply. Available for cars up to 7 years old. Cars over 7 years old will be considered on a case by case basis. 

^ Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

+ Loan pre-approval is conditional, based on your current personal circumstances. However, final approval of your loan is subject to assessment of your completed loan application, based on First Option's normal lending criteria.


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