Used car loans

Get a loan from someone
you can trust

NRMA used car loans can help you get one step closer to owning your dream pre-loved car. Getting the right car finance that suits you and your needs is important, so check out the NRMA car loans advantage and see why a car loan from NRMA could suit you.

Use our car loans calculator to work out your estimated car loan repayment.

The NRMA car loan advantage:

  • Quick, easy and friendly customer service our expert and courteous customer service team will answer any questions you have and make your loan application process as smooth and stress free as possible.
  • Low fixed interest rates with terms up to 7 years – our competitive low fixed rates with flexible terms will help keep your repayments low and affordable.
  • No monthly fees – there are no hidden or additional monthly account-keeping fees.
  • Flexible repayment options – repay your loan as it suits you - fortnightly or monthly. You can also make extra repayments at any time.
  • 5-hour pre-approvals to boost your bargaining power – get pre-approved for your car loan within just 5 business hours. This means you can have the funds on standby, so you'll have better bargaining power to get the best deal possible when shopping around for your dream car.
  • Funds available the next day – once we have sorted out the paperwork, your funds will be available by the next working day.

Buying a used car?

Buy your next car with confidence with NRMA CarHistory


Protection for your loan repayments


We know that circumstances can change over time. Credit Protection Insurance can take care of your car loan repayments if you are ill, in an accident or lose your job. Ask about Credit Protection Insurance when you take out your loan.

*Note = conditions, fees and charges apply. Rates subject to change without notice.

^Comparison rate is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw or early repayment fees and cost savings such as fee waivers are not included in the comparison rate, but may influence the cost of the loan. Subject to RACV lending criteria. Australian credit licence 391488. Disclaimer: NRMA Car Loans products are provided by RACV Finance Ltd (ABN 82 004 292 291) trading as NRMA Car Loans. NRMA trademark used under licence from IAG, owner of the trademark for financial services.