Car Loan Qantas Points Car Loan  Personal Loan  Unsecured Personal Overdraft 
Product New or near new car, caravan, boat or motorcycle New or near new car, caravan, boat or motorcycle Used car, holiday, home renovations etc Line of credit for everyday use
Interest Rate 7.79% p.a. 8.49% p.a. 11.24% p.a. 11.44% p.a.
Comparison Rate 8.00% p.a. 8.70% p.a. 12.29% p.a. N/A
Loan Type Secured Secured Unsecured Unsecured
Loan Term Up to 7 years Up to 7 years Up to 7 years Ongoing
Establishment Fee $150 $150 $150 $150
Account Keeping Fee $0 $0 $0 $0
Early Repayments
Early Repayment Fee
Minimum Amount $10,000 $15,000 $5,000 $500
Maximum Amount $150,0002 $150,0002 $25,000 $20,000
Deposit Required $0 $0 $0 $0
Vehicle Age Up to 5 years old Up to 5 years old N/A N/A
Repayment Options Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly
Qantas Points3  ✔

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  • 1 WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. An unsecured loan of $10,000 with a term of 3 years, or a secured loan of $30,000 with a term of 5 years (as applicable) and a monthly repayment frequency have been used to calculate the comparison rate for all personal loans.

2 A maximum amount of $150,000 applies for vehicles up to 3 years old and $75,000 for vehicles between 3 and 5 years old.

3 Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at This offer is non transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Normal lending criteria, terms and conditions and fees and charges apply.

You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services.

Rates current as at 23 November 2023.