---
title: "Omoda Jaecoo Financial Services - Consumer Loan — Omoda Jaecoo Financial Services"
description: "Personal Loans from Omoda Jaecoo Financial Services. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/omoda-jaecoo-financial-services/products/44d20268-dd88-4203-b1ac-c8e712d84bea
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-31T14:00:45.412Z
---

# Omoda Jaecoo Financial Services - Consumer Loan — Omoda Jaecoo Financial Services

> Personal Loans from Omoda Jaecoo Financial Services. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · Negotiable rates**

A consumer loan designed to help customers purchase a new or used asset for personal use. The loan features a fixed interest rate and no deposit requirement.

## At a glance

- **From:** 9.04% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years (Minimum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.04% | — | — |
| Fixed · 4 years (Minimum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.04% | — | — |
| Fixed · 5 years (Minimum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.04% | — | — |
| Fixed · 3 years (Representative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan applications submitted within a 30 day period. It may not be the actual rate that you receive. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing, loan amount and any discount your introducer may offer. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.39% | 11.12% | — |
| Fixed · 4 years (Representative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan applications submitted within a 30 day period. It may not be the actual rate that you receive. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing, loan amount and any discount your introducer may offer. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.39% | 11.12% | — |
| Fixed · 5 years (Representative rate for a Consumer Loan on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan applications submitted within a 30 day period. It may not be the actual rate that you receive. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing, loan amount and any discount your introducer may offer. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.39% | 11.12% | — |
| Fixed · 2 years (Minimum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 10.04% | — | — |
| Fixed · 6 years (Minimum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 10.04% | — | — |
| Fixed · 7 years (Minimum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your introducer may offer a rate discount. Applicants who are property owners with an excellent credit history may be offered an interest rate at the lower end of our range. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 10.04% | — | — |
| Fixed · 7 years (Representative rate for a Consumer Loan on a 7 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan applications submitted within a 30 day period. It may not be the actual rate that you receive. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing, loan amount and any discount your introducer may offer. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 10.64% | 12.37% | — |
| Fixed · 6 years (Representative rate for a Consumer Loan on a 6 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent loan applications submitted within a 30 day period. It may not be the actual rate that you receive. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing, loan amount and any discount your introducer may offer. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 11.24% | 12.96% | — |
| Fixed · 3 years (Maximum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 18.25% | — | — |
| Fixed · 4 years (Maximum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 18.25% | — | — |
| Fixed · 5 years (Maximum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 18.25% | — | — |
| Fixed · 2 years (Maximum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 19.25% | — | — |
| Fixed · 6 years (Maximum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 19.25% | — | — |
| Fixed · 7 years (Maximum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on a number of factors including but not limited to your credit score, property ownership status, the asset you are purchasing and loan amount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 19.25% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment fee | Upfront | $595.00 |
| Introducer origination fee — The origination fee will vary based on your introducer. | Upfront | $0.00 – $1,495.00 |
| Personal Property Securities Register (PPSR) fee — Fee payable for each security to be registered as a security interest on the PPSR website. | Upfront | $6.00 |
| Security registration administration fee — Fee payable for each security to be registered as a security interest on the PPSR website. | Upfront | $3.95 |
| Monthly repayment fee — Charged monthly · Payable each time a monthly repayment is due. | Ongoing | $12.95 |
| Fortnightly repayment fee — Charged every 14 days · Payable each time a fortnightly repayment is due. | Ongoing | $5.95 |
| Dishonour fee — Payable each time a payment instruction is dishonoured. | Dishonour | $25.00 |
| Early termination fee — Payable if the balance outstanding is repaid in full 3 months or more before the end of the loan term. The early termination fee is calculated as $200 plus (4% of the total amount financed) x (number of days remaining in the loan term / total number of days in the loan term). | Exit | From $0.00 |

## Features

- **Finance available for new or used motor vehicles.** — New or used assets
- **Available terms of 2, 3, 4, 5, 6 and 7 years.** — Flexible loan terms
- **Have the certainty of a fixed interest rate and repayment amount for the life of the loan.** — Fixed interest rates and repayments
- **Repayments can be made fortnightly or monthly, giving flexibility to manage your payment options.** — Repayment frequency options
- **Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.** — Additional finance inclusions
- **Where available, option to include a balloon payment for loan terms up to 5 years, subject to credit criteria.** — Balloon payment option

## Eligibility

- **Minimum age** — 18 years (All applicants are required to be 18 years or over.)
- **Individuals only** (Applicants must be a natural person. Consumer loans are available for individuals and co-borrowers.)
- **Residency status** — Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
- **Applicants must hold a valid licence suitable for the asset being financed.**

## Constraints

- **Minimum limit** — $5,000.00 (Minimum loan amount for motor vehicles.)
- **Maximum limit** — $250,000.00 (Maximum loan amount for motor vehicles, subject to credit criteria.)

## Data provenance

- Published by Omoda Jaecoo Financial Services under the Consumer Data Right
- Product ID: `44d20268-dd88-4203-b1ac-c8e712d84bea`
- Last updated by the provider: 31 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/omoda-jaecoo-financial-services/44d20268-dd88-4203-b1ac-c8e712d84bea
- Provider page: https://www.cdrcompare.au/brands/omoda-jaecoo-financial-services

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/omoda-jaecoo-financial-services/products/44d20268-dd88-4203-b1ac-c8e712d84bea) — 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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