About us

carloancalculator.com.au (calculator) is owned and operated by loans.com.au and is designed to help Australians learn how much they can borrow for a car loan.

Since 2011, thousands of Aussies have trusted loans.com.au with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest with low home loan and car loan rates, all through their online app.

loans.com.au is proudly part of the Firstmac Group, a leader in lending for home loans and car loans in Australia with brands Firstmac, loans.com.au, CarLoans.com.au and car buying service OnlineAuto.com.au. They are Australia's 12th largest lender, and the 3rd largest lender in Queensland.

About loans.com.au

loans.com.au started with a domain name and an idea.

We've since grown to become one of Australia’s largest lenders with happy home and car loan customers all over Australia, and $6 billion in loans under management.

Here's a brief history of loans.com.au.


loans.com.au is proudly part of the Firstmac Group. Launched by Marie Mortimer in 2011 as a retail brand for non-bank lender Firstmac, loans.com.au was one of Australia's first online lenders allowing people to get a home loan online. Today, loans.com.au remains one of the largest and most trusted online lenders in the country.

To find out more about the people behind our story:


Our Purpose

loans.com.au is more than just an online lender. We understand that nobody really wants a loan, rather, they want a home to live in, a new car to drive, their next investment property or to save thousands on an existing loan.

We put people at the heart of everything we do, and that doesn't stop at supporting customers with their home and car finance. We also do our best to support our local community through our Women, Children & Community Program. We participate in a number of ways, whether it be financial support, employer-supported volunteering, donating items or raising awareness for local charitable causes. We support a number of causes which benefits the Women, Children and wider Community throughout Australia.


We're also extremely passionate about implementing green values within our business and in our product offering. We're proud to reward customers who choose more environmentally friendly options for their home and car with a Green Home Loan Discount, a Green Car Loan Discount and an Electric Vehicle Discount. Plus, our office is paperless, with more than 300 staff working to reduce our waste consumption by processing all home loans and completing our day-to-day tasks online, without using any paper.

As a leader in the fintech space, our Managing Director Marie Mortimer is extremely passionate about developing the fintech industry in Australia, and is a Board Member of FinTech Australia and FinTech QLD. Marie is also a Director of community housing not-for-profit, Mangrove Housing, which provides affordable housing solutions for over 2000 at risk people in Queensland, leading by example in the community.

Why choose us?

We've been making it easy for Aussies to save thousands on their home and car loans for more than 10 years.


Low rates & fast decisions

Our online model means we can offer lower rates. Fewer overheads and efficient processes means we can pass those savings directly to our customers and assess applications quickly, so you can settle, sooner.


Australian-based support

At every step of the way, you'll talk to a real, experienced Australian-based specialist who genuinely wants to help you.


Award winning

Many customers who have bid at auction have financed their new home purchases with us. Don't just take our word for it - we are also recognised by the experts. By keeping interest rates low and providing exceptional service, we keep on winning awards for our loans, extras and innovations, year after year!


Hassle free

Find out if you qualify for a home or car loan in just minutes. The application process is simple, online, plus we’re here to help whenever you need it.


onTrack advantage

onTrack is our online app which allows you to complete your home or car loan application on your device from initial contact through to settlement and beyond. In onTrack you can complete your application in your own time, as it suits you.


It's safe and secure

loans.com.au complies with the National Consumer Credit Protection Act (NCCP) which is enforced by Australian Securities and Investments Commission (ASIC). But don't just take our word for it. Since 2011, we've written more than 40,000 loans and have happy customers in every state and territory in Australia.