Introducing the Firstmac car loan

Australia's largest non-bank lender, Firstmac, offers a very competitive range of car loans.

Whether you are looking to purchase a car or refinance your existing car loan, we have a loan to suit most needs. Firstmac lends for all kinds of cars, for business or personal use. There are no ongoing or annual fees.

Our car loans are available around the country through our accredited Broker network.

With low rates and great features, there is bound to be a Firstmac car loan that is right for you.


Product Features

 Fixed Rate

All of our car loans are fixed rate, giving you the certainty of knowing what your repayments will be for the term of your loan. With a fixed-rate loan, you are safe against any increase in interest rates.

 Choice of structure

With a Firstmac car loan, you have a choice of repayment terms. You can choose:

  • A Principal and Interest loan - Choose a fixed-rate Principal and Interest loan to pay off your loan in a series of equal monthly repayments.
  • A "balloon" loan - With a balloon loan, approved customers can select lower monthly repayments during the term of the loan, followed by a larger residual value or "balloon payment" at the end of the loan term.

 Loan size

Firstmac offers car loans ranging from $5,000 to $100,000 bringing the vast majority of cars within reach.

 Purchase new or second-hand

Firstmac lends money for new cars and for used cars up to seven years old, giving you a wide range of options.

 Refinancing available

Firstmac offers refinancing, so you can switch from your current lender to take advantage of our great, low rates.

 A variety of terms

Firstmac offers loan terms of 3, 4 and 5 years so you can pay it off quickly, or take your time.

 Online Access

With a Firstmac car loan you have unlimited 24-hour, 7 days a week, access to your account online and by phone. You can manage everything online including loan transactions and statements.

For more information on any of the Firstmac products, please contact your Broker.


Our Car Loans

  • Loan amount from $5,000 to $100,000
  • Fixed rates- so you won't be affected by interest rate movements
  • Terms of 3, 4 and 5 years
  • The option to make a lump sum final payment, also known as a balloon payment
  • Purchase or refinance - purchase a car, or refinance your existing car loan
  • New and Used cars
  • Principal and Interest repayments

Lending criteria, fees, charges and conditions apply. Full terms and conditions will be included in our loan offer. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness before acting on it. The products and services described on this website are available only in Australia. Management of all loans is carried out by Firstmac Limited ACN 094 145 963 Australian Credit Licence 290600.