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Car Loan Comparison Table

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Check out the features and benefits of an Orange Credit Union car loan.

Use our Car Loan Calculator to compare your options.

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Key Features New Car Used Car Loan Used Car Loan Used Car Loan Used Car Loan
Vehicle age New 1-3 years 1-3 years More than 3 years More than 3 years
Deposit Required 0% 20% 0% 20% 0%
Interest rates
Interest rate (pa) 6.98% pa 8.99% pa 9.99% pa 10.20% pa 10.95% pa
Comparison rate (pa)* 7.21% pa1 9.22% pa2 10.23% pa2 10.44% pa2 11.19% pa2
Loan amounts and repayment terms
Minimum loan amount $15,000  $10,000  $10,000  $10,000  $10,000 
Maximum loan amount Subject to application Subject to application Subject to application Subject to application Subject to application
Loan period up to 7 years 7 years 7 years 7 years 7 years
Repayments
Repayments Monthly, Fortnightly, Weekly Monthly, Fortnightly, Weekly Monthly, Fortnightly, Weekly Monthly, Fortnightly, Weekly Monthly, Fortnightly, Weekly
Repayment Options - Payroll deduction
- Periodical payment
- Internet Banking
- Phone banking
- NAB Deposit
- Payroll deduction
- Periodical payment
- Internet Banking
- Phone banking
- NAB Deposit
- Payroll deduction
- Periodical payment
- Internet Banking
- Phone banking
- NAB Deposit
- Payroll deduction
- Periodical payment
- Internet Banking
- Phone banking
- NAB Deposit

- Payroll deduction
- Periodical payment
- Internet Banking
- Phone banking
- NAB Deposit
Interest Charges Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly Calculated daily, charged monthly
Variable and lump sum repayments Yes  Yes  Yes  Yes  Yes 
Early repayments without penalty Yes  Yes  Yes  Yes  Yes 
Fees
Free Loan Redraw Yes  Yes  Yes  Yes  Yes 
Monthly Account Keeping/service fees $0  $0  $0  $0  $0 
Automatic Repayments (Payroll) Yes  Yes  Yes  Yes  Yes 
Easy to apply for loan Phone, Online, Branch Phone, Online, Branch Phone, Online, Branch Phone, Online, Branch Phone, Online, Branch

 

1 Comparison rate based on a secured $30,000 loan over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

2 Comparison rate based on $30,000 over 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.

 

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