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Fixed Rate Car Loan

Compare a range of competitive fixed rate car loans with Savvy today to lock in the best available rate for your profile.

*No obligation. It won't affect your credit score.
Thomas Perrotta Written By: Thomas Perrotta
Last Updated: 25/03/2025
Fact Checked

Fixed rate home loans bring with them peace of mind and easy budgeting.  But if you’re looking around for a fixed rate mortgage, you may be wondering how they work, what their benefits are and how to find the best deals around.

Fortunately, Savvy makes it easy to compare different home loan offers from a range of lenders to make your home loan search that much smoother.  Consider your options here to help make a decision on which mortgage is best for you before you dive into the application process.

Benefits of a fixed rate home loan


Competitive interest rates

Fixed rate loans offer some of the most competitive interest rates currently on the market, so you can save on your home loan 


Wide variety of loan terms possible

You choose how long you want to fix your home loan interest rate for, with terms available anywhere from one to ten years.


Pre-approval available

Get home loan pre-approval so you can go home-shopping with confidence knowing how much you’re able to spend.


Low or even no fees

You can compare home loans with no establishment fees and no ongoing account-keeping fees, adding further to your overall savings.


Peace of mind with fixed repayments

You won’t need to worry about interest rate rises, secure in the knowledge your home loan interest rate is locked in.


Under 20% deposits

We’re partnered with lenders who can accept deposits as low as 5% and offer options like guarantor loans to avoid your deposit entirely.

The types of car loans you can choose from

Smiling man driving his car

Secured car loans

All car loans are secured, meaning the car you buy is used as collateral for the loan. This brings with it lower rates and higher borrowing caps than unsecured loans.

A couple driving car on their holiday

Fixed rate car loans

The most common form of car loan, this is a standard product with a rate that's locked in from the start of your term until the end.

Couple driving in their car

Variable rate car loans

The interest rate on these loans remains open to fluctuation, meaning your repayments could change over time. They're less widely available than fixed rate car loans.

Woman charging her electric car at a petrol station

Green car loans

These loans are designed for environmentally friendly cars like EVs, hybrids and fuel-efficient models. Their rates are discounted compared to standard car loans.

Young woman smiling while driving her car

Car loan refinancing

Not a product in itself, but refinancing is when you switch from your existing loan to a new one. This can either be with a different lender or the same one on updated terms.

Deliverywoman driving a van

Business car finance

If you're buying for your business, there's a range of other finance options, including chattel mortgages and commercial leases.

Why apply for a car loan with Savvy?

100% online

There’s no need for messy paperwork with us. When you apply, you’ll be able to submit and sign all your forms electronically.

4.9-star customer service

The satisfaction our customers feel is clear when you see our impressive 4.9-star rating for our service on Feefo.

Helping Aussies since 2010

We’ve been helping Australians just like you find their ideal car loan package and save on interest and fees for 15 years.

No impact on your credit score

Our consultants will conduct a soft credit check when assessing your application, so your score won’t be affected.

40+ lending partners

We’re partnered with over 40 car loan providers nationwide, giving you more high-quality options to consider.

Competitive interest rates

We scour our lending panel for the lowest rates and match you with the most affordable deal available for your profile.

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use. 

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