Car Loans

Firstmac Car Loans are a competitive and cost-efficient car finance option for Australians

Firstmac have some great offerings, including our new variable car loan from 4.94%, one of the lowest rates in Australia, where customers can access a redraw facility and redraw up to $5000 per day. We have no ongoing or annual fees, and offer interest rate discounts for home owners and Green Cars.

We have many points of difference in the market to benefit your customers and help you create sales opportunities.

Our Car Loans

  • No monthly fees
  • Auto approval - data based approval
  • Fast turnaround time - within 4 hours (if not auto approved)
  • Variable rate with redraw - reduce term with additional payments or budget for expenses.
  • Digital process - end to end including DocuSign and Biometrics ID
  • Graduate Policy
  • Strong serviceability - Negative gearing benefits used for investment property owners
  • 100% Overtime, Bonus & commission income can be used for serviceability*
  • Homeowners discount 1%
  • Green car discount 0.70% for Electric & Hybrid vehicles
  • Fees, insurances, and warranties have no impact on LVR
  • Highly competitive commission
  • Minimal supporting documents - 1 payslip*
  • Mid term Refinance available
  • Age of vehicle 15 years at end of term
  • No spousal income documents required for applicants with >600 CCR


*Terms & Conditions apply.