At a glance

7.39 %P.A.
Fixed Rate Secured Car Loan
8.19 %P.A.
Comparison Rate**
Additional repayment fees or early repayment fees
Loan terms and repayment options to suit you

Why choose our Car Loan?

When it’s time to upgrade to a new set of wheels, we can help you hit the road sooner with a low interest car loan. 

Whether you are looking for something sporty, upgrading the family car or buying a pre-loved car, by using your car as security you can lock in a low rate with terms, repayments and features tailored to fit your budget.

Set your repayments for the life of your loan

Our low, fixed rate car loan gives you the certainty of knowing what your repayments will be for the life of your loan

No penalties for additional repayments or early payout

Repay your loan sooner by making additional repayments without penalty.  No break costs or early repayment costs if you repay your loan early

Flexible repayment options

Select repayment terms that suit your budget: weekly, fortnightly or monthly, on loan terms of 1 - 7 years

Borrow up to 100%

Borrow 100% of the purchase price for a car purchased from a dealer or up 90% for private sales.  Minimum borrowing amount of $5,000

Car loan rate

Enjoy a great low rate on our flexible fixed rate car loan.

Fixed Rate Flexible Car Loan

Our Fixed Rate Flexible Car Loan gives you the certainty of knowing what your repayments will be over the course of your loan. Your repayment amount is determined at the start of the loan. 

We don't charge any penalties for making additional repayments or early repayment on our fixed rate loan to give you additional flexibility and to allow you to repay your loan early.

By using your new or used vehicle as security, you can lock in a lower interest rate.

If you don't want to use your vehicle as security, you can use an Unsecured Personal Loan for your purchase which has a slightly higher interest rate.  


Interest rate % p.a.

Comparison rate % p.a. **

Motor Vehicle Secured Fixed Rate Flexible Loan




At BOQ, we keep our fees to a minimum. Any fees we do have we’ll show you up front so there are no surprises.

Fee Type Amount

Application Fee


Monthly Maintenance Fee


A full list of fees can be found in our Fees and Charges Guide

Apply for car finance

To apply for a BOQ Car Loan, you must:
  • Be at least 18 years of age or older
  • Need a loan of $5,000 or more
  • Never been bankrupt
  • Be an Australian Citizen or Permanent Resident
  • Earn a regular income
What you'll need for your application
  • Proof of identity
  • Employment details
  • Financial details such as income, assets, expenses and liabilities.
Contact us below and we'll get back to you

Enquire online now

Important information

We can also help with:

Personal loan

Fixed Rate Unsecured Personal Loan

Whether you’re looking to pay for your next car, holiday, wedding, consolidate your debts or you need some extra funds, our personal loans can help make it a reality.

  • Low rate personal loans
  • Flexible repayment options to suit your budget
  • Pay off your loan sooner with unlimited extra repayments and no early repayment fees

Get moving with our Car Insurance

Car Insurance

When you get into a car accident or your car is stolen, the last thing you want to think about is how you're going to pay for everything. That's why we've got you covered.

  • Choose from Comprehensive and Third Party
  • Choose market value or agreed cover
  • Optional extras