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Work out how much you can afford

First things first: before applying for a loan, decide how much you want to spend. It’s easy to do with our personal loan borrowing capacity calculator and loan repayment calculator.

The right car financing can mean more dollars in your pocket. Suncorp offers award-winning car loans with no hidden fees. Our Home Package Plus home loan customers can save even more, with no Establishment or Monthly Account Keeping Fees, plus 0.50%p.a. off new Suncorp Bank Personal Loan rates.

Get a head start on your application

Even if you haven't found your next car, getting a head start on your approval means you can feel more confident about what you can afford and move faster when you’re ready to buy.

Our online application is 100% obligation free and you'll receive a first stage outcome in 15 minutes.

Apply now

Already a Suncorp customer? Apply faster through Internet Banking

Find the right car

New, demonstrator or used?

Buying a new car, a demonstrator or a used car up to 7 years old? You could qualify for Suncorp’s Secured Personal Loan. With a secured loan, the car provides security for your loan, so you can access a lower interest rate.

Buying a vehicle more than 7 years old or looking for more flexibility in how you can use the funds you borrow? Have a look at our fixed rate unsecured personal loan for used cars, motorcycles, caravans and more.

Ready to go car shopping?

Here’s a few handy resources:

Consider ongoing costs and insurance

When buying any vehicle, it’s smart to factor in fuel, maintenance and other ongoing costs. Dealers and vehicle manufacturer websites will feature fuel economy and warranty information. Online reviews can give you insights into typical running costs and any maintenance issues.

It also makes sense to budget for rego and car insurance. Here are guides to vehicle registration fees in Queensland and New South Wales, or check with your state’s or territory’s roads agency.

When it comes to car insurance, it’s easy to get a quote and estimate your premium before you make your big purchase.1 Plus, you can get a $50 discount when you purchase a Comprehensive Car Insurance policy online.

Get a car insurance quote

Get the best price for your car

Haggling with a seller over price can feel overwhelming. The key is to take the emotion out of it. Remember, a car salesperson’s primary objective is to make a sale. They negotiate every day so they’re very good at it, especially when dealing with those who are inexperienced.

Here’s a few handy resources to help:

Learn how to be a better negotiator

Get tips from a car buying expert.

Read more

Read this before walking into a dealership

Find out how to be prepared for car buying.

Read more

Get full loan approval
(if you haven’t already)

Already taken care of all the above?

Get your finance sorted so you can have it ready when you walk into the dealership.
Suncorp’s quick and easy 15-minute online loan application gives you the convenience of a first stage outcome, plus the ease of online document submission and digital signing capabilities.
You can even track the progress of your application through our Personal Loan Tracker.

Apply now

Look after your new wheels

Regular vehicle maintenance can save you time and money down the track.

Here are some smart ways to keep your car looking good and running smoothly.

Video series: car maintenance you can do at home

What to do – and look out for – to keep your car in top form.

Read more

Protect your investment

Find out how to invest in your car’s long-term value.

Read more

Get started in minutes

Apply online

You'll need 15 minutes and two forms of identification


Call us

Mon – Fri 8:30am – 7pm

Visit us

Visit your nearest store and we'll take you through it face to face

* Rates effective 28 September 2020, and subject to change at any time.

1 Car Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance.

Information is intended to be of a general nature only and any advice has been prepared without taking into account any person's particular objectives, financial situation or needs. You should make your own enquiries, consider whether advice is appropriate for you and read the relevant Product Disclosure Statement or Product Information Document before making any decisions about whether to acquire a product.

Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence number 229882 (“Suncorp Bank”) to approved applicants only. Please read the relevant Product Information Document and Terms and Conditions before making a decision regarding a Suncorp Banking product. Fees, charges, terms and conditions apply and are available on request or at Product Information Documents and Forms page. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group.

The Personal Property Securities Register

The Personal Property Securities Register (PPSR) is a national online register that can provide information to help protect consumers when they are buying personal property such as cars, boats or artworks (not including land or buildings). If you are buying a car privately you should conduct a search and check that there is no money owing on the car.

Next Day Working Conditional Approval

Provided the information you supplied in your application is correct and you can prove that to us.

Fixed Rate

Lock in your interest rate and repayment amount for the life of your loan.

Comparison Rate

A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product.

Got a Question?

Ask Scout, the Suncorp Virtual Assistant