---
title: "Secured Fixed Car Loan (Dealer) — loans.com.au"
description: "Personal Loans from loans.com.au. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/loans-com-au/products/lca-fixed-car-dealer
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T01:06:51.032207Z
---

# Secured Fixed Car Loan (Dealer) — loans.com.au

> Personal Loans from loans.com.au. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · LCA**

loans.com.au's Fixed Secured Car Loan offers a simple, competitive fixed rate with set repayments to help you finance your next vehicle with confidence. Choose a fixed term from 3 to 7 years, with finance available for new or used cars up to 12 years old purchased from a dealer.

## At a glance

- **From:** 6.99% (8.12% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years. · Minimum risk-based rate. Individual rates are subject to credit assessment and asset selection.) | 6.99% | 8.12% | — |
| Fixed · 7 years (Fixed terms are available for the duration of the loan term, from a minimum of 3 years up to a maximum of 7 years. · Maximum risk-based rate. Individual rates are subject to credit assessment and asset selection.) | 15.79% | 16.91% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Fixed Rate Early Exit Fee — Exit fee is waived if the loan runs to full term or is repaid within the final 12 months of the term. A $500 exit fee applies if the loan is repaid after the first two years, and a $700 exit fee applies if repaid within the first two years. | Exit | $500.00 – $700.00 |
| Monthly Fee — Charged monthly · A fee charged monthly on the anniversary of the loan settlement. | Ongoing | $8.00 |
| Application Fee | Upfront | $400.00 |

## Features

- **Extra repayments** (Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Early repayment fees may apply.)

## Eligibility

- **Minimum age** — 18 years (Applicants must be at least 18 years old to apply for this loan.)
- **Residency status** — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.

## Constraints

- **The loan term must be at least 3 years.** — P3Y
- **Minimum limit** — $10,000.00 (The minimum loan amount available under this product is $10,000.)
- **Maximum limit** — $150,000.00 (The maximum loan amount available for this product is $150,000. The maximum loan amount for vehicles over 7 years old is $50,000.)
- **The loan term cannot exceed 7 years. The maximum loan term for vehicles over 7 years old is 5 years. ** — P7Y

## Data provenance

- Published by loans.com.au under the Consumer Data Right
- Product ID: `lca-fixed-car-dealer`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/loans-com-au/lca-fixed-car-dealer
- Provider page: https://www.cdrcompare.au/brands/loans-com-au

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/loans-com-au/products/lca-fixed-car-dealer) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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