LCU will be undertaking system maintenance on Saturday 21 February 2026 from 00:01am to 04:00am EDST.

During this time there may be intermittent disruptions including accessing Internet Banking and Mobile Banking services. We apologise for any inconvenience this may cause.

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Car loans

Car loans for every need with tools,
calculators and guides to help you choose.

Tools & Calculators

New Car Loan
Special

8.05
%
variable
interest
rate1
PA
8.33
%
comparison
rate2
PA

Our New Car loan special for cars up to one year old will get you behind the wheel in no time:

No redraw fees

No ongoing fees

Early repayment options without penalty

Variable and lump sum repayments

Automatic repayment from salary

 

Find out more
Apply online Book appointment


New Wheels Car Loan from 1 - 5 years old

9.50
%
variable
interest
rate1
PA
9.79
%
comparison
rate2
PA

The New Wheels Car loan can quickly finance the purchase of your new or used car:

No redraw fees

No ongoing fees

Early repayment options without penalty

Variable and lump sum repayments

Automatic repayment from salary

 

Find out more
Apply online Book appointment


Car Loan: (Cars over 5 years old)

10.50
%
variable
interest
rate1
PA
10.79
%
comparison
rate2
PA

Drive Away Car loan, perfect for older car purchases:

No redraw fees

No ongoing fees

Early repayment options without penalty

Variable and lump sum repayments

Automatic repayment from salary

 

Find out more
Apply online Book appointment
our offers

Our car loans offers

With an LCU car loan you can expect the following:

No redraw fees

No ongoing fees

Automatic repayment from salary

Early repayment options without penalty

Variable and lump sum repayments
Apply online
Apply now

How do I apply?

Applying is simple! At LCU you have the flexibility to apply whenever and wherever you want to.

Apply for a Car Loan Apply online now
Get in touch with our team Call us
Email your enquiry to our team Email us
Visit us at our branch Contact Us
Things you should know

1 Rates are subject to change. Please refer to our rates and fees page. Credit eligibility criteria, terms & conditions, fees & charges apply.

2 Comparison rate based on a secured 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.

View our Target Market Determination for this product here