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Imagine a great interest rate for a great set of wheels

Make a smart choice for your new car with our multi award-winning New Car Loan.

Imagine that new car feeling. Now imagine it came with a proud sense of value…

With our multi award-winning New Car Loan (new or demo cars), you’ll be left feeling like you’ve scored yourself a smart deal.

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The comments shown above are a selection of 5 star reviews about Queensland Country Bank car loans submitted by our Members on View all reviews.

Whether you’re purchasing your first car or maybe making the upgrade to something bigger and better, you’ll have a New Car Loan (New or demo cars) that boasts flexibility and affordability.

Our competitive variable rate, flexible loan terms and fast online application will allow you to choose an affordable option that suits your lifestyle, in the time you need.

And, if you thought it couldn’t get better…guess again, with no penalties applied for paying off your New Car Loan (New or demo cars) early.


  • Variable rate
  • Flexible loan terms (up to seven years)
  • No deposit required
  • Increase your bargaining power with pre-approval
  • No early repayment fees
  • Redraw facility on your loan
  • Control your repayments weekly, fortnightly or monthly


How to apply?


Prefer a used car (up to three years old)? We’ve got a solution for that too!



Establishment fee $120
Document fee Document fee applies
Loan maintenance fee $5/month



Apply online or make an appointment with your local Car Loan Specialist today

Simply apply for the loan online now, or make an appointment to speak to one of our Car Loan Specialist. 


New Car Loan

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Is it a fixed rate for the term?

Our New Car Loan (New or demo cars) is a variable rate product that allows for greater features and benefits on your loan such as a redraw facility and early payout without penalty.

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What is the maximum loan term?

You can choose a maximum loan term of up to 7 years.

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Can I pay in advance?

Yes. Just when you thought our New Car Loan (New or demo cars) couldn’t get any better, you won’t be penalised for making extra payments and paying off your New Car Loan (New or demo cars) early.

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Is there a minimum deposit?

No. In fact, there is no deposit required at all. When we bragged that our New Car Loan (New or demo cars) has flexibility and affordability we meant it.

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What are the fees, including payout?

There is no penalties for paying out your New Car Loan (new or demo cars) early. The fees for the New Car Loan (New or demo cars) include an establishment fee, document fees and a loan maintenance fee of $5.00 per month. Speak with a lending specialist today to find out the details based on your loan amount.

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I’m aware that there might be a long delay with the delivery of my new car from the dealership. How will this impact my loan?

Your New Car Loan (New or demo) must be settled, and funds disbursed to the dealership within 90 days of receiving loan approval. We understand however that COVID-19 has put pressure on manufacturers causing delays and this might be outside of your control. If your dealer has advised that delivery won't be possible within 90 days, please talk to our friendly team about your options.

New or demonstrator dealership vehicles only. Maximum loan term 7 years. Normal lending criteria applies. Terms, conditions, fees and eligibility criteria apply and are available on request.

^WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rate is for a secured loan calculated on a loan amount of $30,000 over a term of 5 years. Queensland Country Bank Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request. Available for a limited time for new borrowings only. May be withdrawn at any time before a loan contract is entered into. 

Mozo Experts Choice Award 2022 was awarded in November 2021 for the New Car Loan product in the Car Loan category. For details on how Mozo crunched the numbers and determined the winners see their 2022 Mozo Experts Choice Awards Personal Loans methodology report

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Target Market Determination; Personal Loan brochureAccount and Access Facility Conditions of Use brochureFees and Charges brochureCredit Guide and the Loan Interest Rate Schedule