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Don’t just dream about it, drive it!

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


Apply online and get a first stage outcome in 15 minutes

    Mozo experts choice 2018 Used Car Loan

Why choose our Secured Car Loan?

Available for cars up to 7 years old

Apply online and get a first stage outcome in 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.

If your car is more than 7 years old, or you’d just prefer not to use it as security for a loan, you can apply for our Variable or Fixed Rate Personal Loans.

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

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.

Here to help
Take the guesswork out of your finances.

Get a clear understanding of how much you could borrow, earn or save.

View all calculators

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Personal loan repayment calculator

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How much can I borrow?

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Personal Loans FAQs

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Check the latest interest rates

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

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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 4.8 out of 5 by 88.
Rated 5 out of 5 by from Easy layout of the website Easy to follow, isn’t hard on the head like most other sites, help information isn’t hard to understand.
Date published: 2020-02-11
Rated 4 out of 5 by from Easy to go through the information required Sorry, could not give you a 5 rating, but there was no room for queries that I have regarding the request for a loan. The car I am looking at is coming up for Auction, so cannot provide all the details required, but would like to secure a loan prior to purchase. Is there a way I can do that?
Date published: 2020-02-09
Rated 5 out of 5 by from Easy to navigate Just applied for personal loan online and it was a very straight forward process. Thumbs up for sure!
Date published: 2020-02-08
Rated 5 out of 5 by from User friendly! Im happy with my banking experiences at Suncorp will recommended to others.
Date published: 2020-02-08
Rated 5 out of 5 by from very easy and helpful Have not applied for loan for many many years and this process was so easy and straighforward.
Date published: 2020-02-08
Rated 5 out of 5 by from Clear form Easy application form great features would recommended to a friend
Date published: 2020-02-04
Rated 5 out of 5 by from Great features I brought this a mo th ago and I love this just amazing
Date published: 2020-01-29
Rated 5 out of 5 by from really easy to navigate and understand Just set up a loan for the first time with Suncorp via the website and everything was so easy and stress free
Date published: 2020-01-17
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Insights and stories

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* Rates effective 26 August 2019 and subject to change at any time.

^ Comparison rate is based on $30,000 loan over 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees 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.

~ Rate applies to applications for new loans only, not applicable for refinancing of existing Suncorp loans.

1 Where a loan has a fixed rate component, an early fee applies if you repay your loan within 12 months of settlement and the term of the loan exceeds 12 months.

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.