---
title: "Polestar Finance - Consumer Loan — Polestar Finance"
description: "Personal Loans from Polestar Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/polestar-finance/products/ba527b0d-79ae-441f-b76c-a1901b768b4c
source: "CDR Compare"
language: en-AU
last_updated: 2026-09-30T14:00:39.263Z
---

# Polestar Finance - Consumer Loan — Polestar Finance

> Personal Loans from Polestar Finance. 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:** 9.5% (Fixed)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 2 years (Minimum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 3 years (Minimum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 4 years (Minimum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 5 years (Minimum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 6 years (Minimum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 7 years (Minimum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on the asset you are purchasing. Your introducer may offer a rate discount. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 9.5% | — | — |
| Fixed · 6 years (Maximum rate for a Consumer Loan on a 6 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 11.84% | — | — |
| Fixed · 7 years (Maximum rate for a Consumer Loan on a 7 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 11.84% | — | — |
| Fixed · 2 years (Maximum rate for a Consumer Loan on a 2 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 12.14% | — | — |
| Fixed · 3 years (Maximum rate for a Consumer Loan on a 3 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 12.14% | — | — |
| Fixed · 4 years (Maximum rate for a Consumer Loan on a 4 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 12.14% | — | — |
| Fixed · 5 years (Maximum rate for a Consumer Loan on a 5 year term. Your interest rate will be based on the asset you are purchasing. Your actual rate will be confirmed in your finance documentation if your application is approved.) | 12.14% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| Establishment fee | Upfront | $595.00 |
| Introducer origination fee — The origination fee will vary based on your introducer. | Upfront | $0.00 – $1,195.00 |
| Monthly repayment fee — Charged monthly · Payable each time a monthly repayment is due. | Ongoing | $12.95 |
| 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 |

## 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
- **Where available, comprehensive insurance may be included in the total amount financed, subject to credit criteria.** — Additional Finance
- **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** — $10,000.00 (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 Polestar Finance under the Consumer Data Right
- Product ID: `ba527b0d-79ae-441f-b76c-a1901b768b4c`
- Last updated by the provider: 30 September 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/polestar-finance/ba527b0d-79ae-441f-b76c-a1901b768b4c
- Provider page: https://www.cdrcompare.au/brands/polestar-finance

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/polestar-finance/products/ba527b0d-79ae-441f-b76c-a1901b768b4c) — 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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