Consumer Loan
Personal LoansNegotiable rates
Flexible finance designed to help consumers purchase new or used vehicles with repayment options tailored to individual needs.
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee Establishment fee may apply. Refer to Metro Finance Terms and Conditions | Upfront | Variable |
| Brokerage Handling Fee Brokerage handling fee may apply. Refer to Metro Finance Terms and Conditions. | Transaction | Variable |
| Payout/Discharge Fee Payout or discharge fee may apply. Refer to Metro Finance Terms and Conditions. | Exit | Variable |
| PPSR Fee PPSR fee may apply. Refer to Metro Finance Terms and Conditions. | Transaction | Variable |
Features
- Balloon (residual) payment options are available at the end of the finance term, subject to the loan agreement. — Balloon/Residual Payment
- Flexible repayment structures designed to suit individual financial circumstances. — Flexible Repayment Structures
- Competitive fixed interest rates designed to provide repayment certainty over the finance term. — Fixed Interest Rate
- Finance solutions tailored to suit individual needs, budget and lifestyle. — Tailored Finance
- Finance is available for eligible new and used vehicles and equipment. — New and Used Asset Finance
- Streamlined assessment process with fast approval timeframes for eligible applications. — Fast Approvals
Eligibility
- Minimum age — 18 yearsApplicants must be at least 18 years of age.
- Residency status — Australian Citizen / Permanent ResidentApplicant must be an Australian citizen or permanent resident, subject to Metro Finance lending criteria.
- Applications are subject to Metro Finance's credit assessment and approval criteria. — Credit Assessment
Constraints
- Finance terms are available from 1 to 7 years. — 1-7 Years
- Finance available for eligible new and used motor vehicles, subject to Metro Finance lending criteria. — New & Used Motor Vehicles
- Minimum limit — $5,000.00Minimum finance amount available under this product is AUD $5,000.
- Maximum limit — $250,000.00Maximum finance amount available under this product is AUD $250,000.
Published by Metro Finance under the Consumer Data Right · Last updated 10 July 2026 · Product ID CONSUMER_LOAN