Van loans

See a list of the top van loans

Updated: 01.09.2026

Quick Rates Review

Compare top financial options at a glance. Comprehensive analysis for each listed offer is available further down the page

#
Institution
Rate (APR/APY)
Sum & Term
1
NAB NAB
5.99% - 12.79%

$10,000 - $100,000

365 - 2555 days

2
Westpac Bank Westpac Bank
6.49% - 12.99%

Flexible Amount

Flexible Term

3
NAB NAB
6.74% - 13.54%

$10,000 - $100,000

365 - 2555 days

4
ANZ Bank ANZ Bank
7.49% - 19.99%

$5,000 - $50,000

365 - 2555 days

Quick Expert Insights

Interest Rates
Average:6.68%
Range:5.99% - 19.99%
Product Term
Minimum: 1 year
Maximum: 7 years
Limit / Amount
Min Entry:$5,000
Max Limit:$100,000
Analysis of 4 offers shows an average rate of 6.68%, with the absolute market maximum reaching 19.99%. Flexible terms from 1 year are available at NAB, while NAB offers terms up to 7 years . The lowest entry is $5,000 (via ANZ Bank).

Full Products Review

In-depth analysis of available financial offers. Compare detailed terms and explore expert insights to choose the most suitable option for your needs.

Filter By Institution:

ANZ Bank

A personal loan for a car

Rate: 7.49% - 19.99%

Sum: $5,000 - $50,000

Term: 1 years - 7 years

💰 Fees & Rates

  • $150 loan approval fee
  • $10 monthly loan administration charge, debited every three months until the loan is closed in ANZ systems
  • $20 late payment fee if a repayment is 5 days late or more, plus a further $20 each month until repayments are up to date
  • Early repayment charges may apply on fixed rate loans if you make early or additional payments, repay the loan early, or increase the loan amount

📋 Important Terms

  • Unsecured personal loan; no car or other asset is required as security
  • Borrowing amount from $5,000 to $75,000
  • Loan term from 1 to 7 years
  • Fixed rate and variable rate options available
  • Variable rate loans allow early or extra repayments without additional costs and include redraw access
  • Same-day cash may be available if approved in branch by midday, Monday to Friday
  • Eligibility includes being 18 or older, earning at least $15,000 per annum, and holding Australian citizenship, permanent residency, or a valid visa

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting

The main advantage is flexibility: ANZ combines a relatively wide borrowing range, 1-to-7-year terms, and a variable option with fee-free extra repayments and redraw, while also offering same-day cash in branch for approved applicants. The main drawback is cost, because the loan carries an approval fee, an ongoing administration charge, and potentially meaningful early repayment charges on the fixed-rate version. Compared with Big Five personal loans, ANZ is broadly in line on structure because RBC, TD, Scotiabank and CIBC also offer fixed or variable personal loans, but ANZ stands out for the same-day branch funding feature; CIBC and Scotia emphasize no-penalty repayment flexibility, while RBC and TD keep similar fixed/variable flexibility with different term and amount caps. This product fits borrowers who want a car loan with predictable payments or flexible redraw, and who value speed and convenience more than the absolute lowest fees.

NAB

NAB Car Loan

Rate: 6.74% - 13.54%

Sum: $10,000 - $100,000

Term: 1 years - 7 years

💰 Fees & Rates

Loan establishment fee: 350 AUD (waived for customers applying for the purpose of refinancing) Loan service fee: 15 AUD per month Late payment fee: 7 AUD per week Exit fee: 0 AUD

📋 Important Terms

The vehicle must be used as security for the loan Applicant must be an existing personal NAB customer registered for Internet Banking and aged 21 years or older Must be receiving a regular income and be an Australian/NZ citizen or Australian Permanent Resident Used vehicles must be no more than 12 years old at application and 15 years old at the end of the term (motorbikes, caravans, and vehicles over 4.5 tonnes are excluded) Available to sole borrowers only No redraw facility is available from extra funds

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting
The NAB Car Loan, powered by fintech partner Plenti, provides a highly streamlined and digital-first borrowing experience. Its standout advantage is the ability to obtain a personalized rate quote without impacting your credit score, paired with zero exit fees for early payouts. The main disadvantage is its restrictive eligibility: it strictly requires applicants to be existing NAB customers aged 21 or older and does not accommodate joint applications. When compared to traditional secured car loans from Commonwealth Bank, Westpac, or ANZ, NAB leverages Plenti's technology to deliver a faster, paperless approval process. This loan is best suited for individual, existing NAB customers seeking a reliable secured loan for a new or qualifying used vehicle with the flexibility to pay it off early penalty-free.

NAB

NAB Car Loan for an electric vehicle

Rate: 5.99% - 12.79%

Sum: $10,000 - $100,000

Term: 1 years - 7 years

💰 Fees & Rates

Loan establishment fee: 350 AUD (waived for customers applying for the purpose of refinancing) Loan service fee: 15 AUD per month Late payment fee: 7 AUD per week Exit fee: 0 AUD

📋 Important Terms

Provides a 0,75% p.a. interest rate discount specifically for eligible all-electric and plug-in hybrid cars The vehicle must be used as security for the loan Applicant must be an existing personal NAB customer registered for Internet Banking and aged 21 years or older Available to sole borrowers only No redraw facility is available from extra funds

💡 Adviser’s Tip

Olesya Krasavtseva
Olesya Krasavtseva Analytic & Editor at Prostobank Consulting
The NAB Car Loan for an electric vehicle is specifically designed to incentivize sustainable transport choices. Its primary advantage is the built-in 0,75% p.a. interest rate discount compared to standard NAB car loans, significantly lowering the total cost of borrowing for EV buyers. The main drawback is the ongoing 15 AUD monthly service fee, which slightly offsets the interest savings over a 7-year term. Compared to green auto loans from other Big Four banks, NAB offers a remarkably fast funding turnaround—typically within one business day—thanks to its partnership with Plenti. This product is ideal for environmentally conscious, existing NAB customers who are purchasing a qualifying electric or plug-in hybrid vehicle and desire a fast, digital application process.

Westpac Bank

Westpac Car Loan

Rate: 6.49% - 12.99%

Video Guides

Watch our expert video reviews to navigate Australian banking with ease.

How much is it to lease a van per month?

Monthly lease payments for vans in Australia typically range from around AUD 300 to $1,500 or more, depending on the factors mentioned above.

However, the cost to lease a van per month in Australia can vary widely depending on several factors, including the make and model of the van, the lease term, the agreed-upon mileage limit, any additional features or customizations, and the leasing company's terms and conditions. Additionally, economic factors and market demand can influence leasing rates.

To get an accurate estimate of how much it would cost to lease a specific van in Australia, you'll need to contact leasing companies or dealerships directly. They can provide you with lease quotes based on your requirements and preferences, including the van model, lease term, and desired features.

Are there 0 finance offers for vans in Australia?

Yes, but they may not be widely available and typically come with specific terms and conditions. These offers are often promotional and may be offered by manufacturers or dealerships for a limited time to stimulate sales and may have strict qualification requirements, such as excellent credit scores, specific vehicle models, or limited availability.

While the interest rate may be 0%, there may still be other costs associated with the finance agreement, such as establishment fees, documentation fees, and insurance costs.

It's essential to compare 0% finance offers with other finance options available in the market. Even with a 0% interest rate, other factors such as the vehicle price, loan term, fees, and repayment terms can impact the overall cost of financing.

As an alternative, you can also take out a personal loan. Your possible expenses:

Personal loan calculations for 1 year (example)

Amount, $ Rate, % Accrued %, $
5,000 9.15% 248
5,000 16.15% 437
5,000 23.15% 627
10,000 9.65% 523
10,000 15.65% 848
10,000 23.65% 1,281
20,000 10.15% 1,100
20,000 17.15% 1,858
20,000 23.95% 2,595
30,000 10.65% 1,731
30,000 17.65% 2,868
30,000 24.65% 4,006

Can I apply for camper van loan?

Yes, you can apply for a camper van loan in Australia. Camper van loans are similar to caravan loans in that they are typically secured loans, where the camper van itself serves as collateral for the loan.

See the similar FAQ about Australian banks:

Contacts of companies offering the financial services:

ANZ Bank

Address: 833 Collins Street

Contact: 13-13-14

Web: www.anz.com

SWIFT: ANZBAU3M

Stock: ANZ

NAB

Address: 800 Bourke Street

Contact: 13 22 65

Web: www.nab.com.au

SWIFT: NATAAU33

Stock: NAB

NAB

Address: 800 Bourke Street

Contact: 13 22 65

Web: www.nab.com.au

SWIFT: NATAAU33

Stock: NAB

Westpac Bank

Address: 275 Kent Street

Contact: 13 20 32

Web: www.westpac.com.au

SWIFT: WPACAU2S

Stock: WBC

Find bank, branch or ATM

Locate the nearest financial services, interactive maps, and contact details across Australia.