Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

Experience Freedom

Get in the driver’s seat today, and stay in control of your repayments with our low rate secured Car Loan.


Money magazine awards 2018  Canstar outstanding value car loan 5 star

Apply online and get a response in 15 minutes

Why choose our Secured Car Loan?

You can upload your documents online

You’ll receive a response within 15 minutes

You can repay your loan after 12 months without penalty

You won’t be charged for extra repayments

Choosing a secured car loan can help you get on the road for less. By using your car as security for your loan, you can access a lower interest rate than you can with a unsecured loan. Plus, plan your budget with fixed repayment amounts and enjoy the flexibility to make extra payments when you choose.

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

Loan Calculators

Personal Loan Repayment Calculator

Estimate how much your loan repayments might be based on the amount you'd like to borrow.

Calculate repayments

Comparison Calculator

Compare our personal loans to find the best loan for you.

Compare personal loans

Rates and fees

Interest rates




Establishment Fee (financed with the loan)


Monthly Account Keeping Fee

$5 per month for the term of your loan

Fees payable to PPSR apply.

Stamp Duty

Stamp Duty and government charges apply.

Early Payout Fee1

$0 if you’ve had the loan for more than 12 months.

$300 if you pay it off within 12 months, and your loan term is longer than that.

Establishment fees and monthly fees are waived for Suncorp Home Package Plus customers.

For a complete guide to the fees and charges on our Personal Loans, download our Lending Fees and Charges brochure.

How to close your Personal Loan account

Pay the remainder of your loan

To close your personal loan account, the correct payout amount must be paid into the account

Get your payout figure

The correct payout figure can be obtained within a store or over the phone. This payout figure includes the remaining amount of the loan, any interest accrual since the last due date and the Early Payout fee or insurance* rebate if applicable

For Secured Car Loans

If you are paying out a Secured Car Loan, once the correct amount has been paid into the account and the account has closed the charge over the vehicle will be released

* If you have opted in for Consumer Credit Insurance at the time of obtaining your personal loan and you choose to pay out your personal loan early, you may be eligible for an insurance rebate. This is only applicable for insurance premiums which have been capitalised onto the amount borrowed.

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

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  ( 5.0 out of 5)

Find out exactly what Suncorp customers thought about their website experience when applying for a loan.

Reviews are managed and sourced by BazaarVoice.

Reviews are independently verified and detail our customers' real experiences.


Suncorp Bank Personal Loan Website Experience is rated 4.9 out of 5 by 9.
Rated 5 out of 5 by from A++ Bank in Australia Suncorp is the best bank in Australia i have heard about
Date published: 2019-06-17
Rated 5 out of 5 by from Excellent Very simple and stress free application process to follow
Date published: 2019-06-07
Rated 5 out of 5 by from Easy to navigate Loved how easy it was to navigate through the process!
Date published: 2019-06-06
Rated 5 out of 5 by from great features I found it very quick and easy to use. Easy to follow
Date published: 2019-06-03
Rated 5 out of 5 by from Very easy and quick Made a stressful experience (applying for a loan) very quick and painless!
Date published: 2019-05-26
Rated 5 out of 5 by from Great features So easy to apply.. hopefully I get my personal loans
Date published: 2019-05-23
Rated 5 out of 5 by from easy easy and helpful steps to get the application done
Date published: 2019-05-20
Rated 5 out of 5 by from So easy and age freindly I have never applied for a loan other than mortgage but this was easay .
Date published: 2019-05-15
  • y_2019, m_6, d_24, h_22
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.12
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_9
  • loc_en_AU, sid_personal-loan-digital-experience, prod, sort_[SortEntry(order=SUBMISSION_TIME, direction=DESCENDING)]
  • clientName_suncorp-banking
  • bvseo_sdk, java_sdk, bvseo-3.1.1
  • CLOUD, getContent, 90ms

Insights and stories

Showing 3 of 4 articles Showing 2 of 4 articles Showing 1 of 4 articles

Get help with finding and buying a new car

  • Discover the right car for you
  • Price your next car
  • Request a test drive
  • Get trade-in valuation
Find out more

1. An early payout fee applies if you repay your loan within 12 months of settlement and the term of the loan exceeds 12 months.

* The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Comparison rate is based on a $30,000 loan over 5 years.

^ Rates effective 26 July 2018.

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.

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.