---
title: "Personal Car Loan — PowerTorque Finance"
description: "Personal Loans from PowerTorque Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/powertorque-finance/products/10
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-07T02:22:26Z
---

# Personal Car Loan — PowerTorque Finance

> Personal Loans from PowerTorque 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**

For most of us, buying a car is the second biggest purchase we’ll make. So why pay the full cost upfront? Our Personal Car Loan provides flexible payment options, so you can get into the driver’s seat of the car you want sooner!

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Account Administration Fee — Charged monthly · A monthly fee for the management of your loan account. | Ongoing | $8.00 |
| Account Payment Card Fee — This fee applies for replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date.     You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don’t pay fees on your regular repayments. | Event | $5.00 |
| Early Termination Fee — This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early.      This fee can be avoided by continuing with scheduled loan repayments until the agreed completion date of the loan. | Exit | Variable |
| Establishment Fee — The cost to set-up your approved loan is payable upon loan settlement and can be included within the amount financed. This is referred to in your contract as your Loan Account Establishment Fee. | Upfront | $395.00 |
| Information Request Fee — This fee applies if you request contract documentation from PowerTorque Finance.     You can avoid this fee by login into your PowerTorque Finance Account where you can view, download, and print your loan documentation online without incurring this fee. | Event | $25.00 |
| Late Payment Fee — 30 · This fee applies if you’re late or miss a repayment, and your account goes into arrears.     PowerTorque Finance will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee. | Late payment | $25.00 |
| Dealer Agency Fee — This fee covers the dealership’s cost of preparing your finance application on PowerTorque Finance’s behalf. The Finance and Insurance Manager is responsible for explaining the different types of finance products to you. They’ll ensure you understand the requirements of the loan, and will arrange all the necessary paperwork to submit, manage and finalise your finance application. | Upfront | $912.25 |
| Payment Dishonour Fee — This fee applies if your Direct Debit or Cheque payment is dishonoured.  You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. | Dishonour | $3.25 |
| Payment Method Fee- BPay — This fee applies when a payment is made by BPay.You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. | Payment | $1.50 |
| Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit) — This fee applies when a payment is made by BillPay, cheque, or direct deposit.You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. | Payment | $3.00 |
| Vehicle Security Registration Fee — The cost of registering PowerTorque Finance’s security interest on your vehicle on the Australian Government’s Personal Property Securities Register.  This is a national online register to help protect consumers when buying personal property like cars, boats or artwork. It allows potential buyers to check if any other parties already have a security interest on the property. | Upfront | $6.00 |

## Features

- **Make weekly, fortnightly, or monthly payments – whatever works best for you.**
- **Tailor the length of your car loan to suit you**
- **Extra repayments** (With our loan flexibility, you can choose to reduce your principal faster (subject to early termination fee).)
- **A balloon is a final lump sum payment at the end of your car loan which may reduce your repayments over the life of your loan**
- **Digital banking**

## Eligibility

- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $5,000.00
- **Minimum loan term 12 months**
- **Maximum loan term 84 months**

## More information from PowerTorque Finance

- [Overview](https://www.powertorquefinance.com.au/finance/personal-car-loan)
- [Eligibility](https://www.powertorquefinance.com.au/content/dam/powertorque/files/PTF245_0326.pdf)

## Data provenance

- Published by PowerTorque Finance under the Consumer Data Right
- Product ID: `10`
- Last updated by the provider: 7 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/powertorque-finance/10
- Provider page: https://www.cdrcompare.au/brands/powertorque-finance

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/powertorque-finance/products/10) — 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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