Autopay
Autopay Asset Finance (Direct)
Autopay · pers loans
Provider last updated this product 2026-09-07.
Go to provider
You'll complete your application on
Autopay's website. Confirm the rate and fees with them
before applying.
Secured variable-rate car loan from $10,000 to $100,000 over 3 to 7 years, applied for directly with Autopay. Rates are personalised to your Equifax OneScore credit band and also vary by factors including vehicle age, loan-to-value ratio and residential status. Balloon payment options available.
As published by the lender
- Balloon or residual - OfferedBalloon payment options are available, reducing regular repayments with a lump sum due at the end of the term
- Headline rates - from 6.24% to 26.10%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.24% | 7.13% | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band AA (Equifax OneScore 800-2000). Minimum variable rate for this band is 6.24% p.a. The advertised comparison rate of 7.13% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 15.38% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band AA (Equifax OneScore 800-2000). Maximum variable rate for this band is 15.38% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 9.18% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A (Equifax OneScore 650-799). Minimum variable rate for this band is 9.18% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 18.35% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A (Equifax OneScore 650-799). Maximum variable rate for this band is 18.35% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 9.40% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band BB (Equifax OneScore 550-649). Minimum variable rate for this band is 9.40% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 20.85% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band BB (Equifax OneScore 550-649). Maximum variable rate for this band is 20.85% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 10.00% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band B (Equifax OneScore 400-549). Minimum variable rate for this band is 10.00% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 26.10% | 27.63% | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band B (Equifax OneScore 400-549). Maximum variable rate for this band is 26.10% p.a. The advertised comparison rate of 27.63% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Establishment fee | UPFRONT | $495 | One-off establishment fee of $495, charged at loan settlement. |
| Monthly account fee | PERIODIC | $12.50 | Account-keeping fee of $12.50 charged monthly. No early repayment or exit fee applies. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 6.24% | 7.13% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Balloon payment options are available, reducing regular repayments with a lump sum due at the end of the term.
Who can apply
- natural personAvailable to natural persons only; not available to businesses or other entities.
- min age - 18Applicants must be at least 18 years of age.
- residency status - Australian citizen or permanent residentApplicants must be an Australian citizen or permanent resident.
- employment status - Must be currently employedApplicants must be currently employed with a regular income.
- min income - 30000.00Minimum gross annual income of $30,000.
- otherThe financed vehicle must meet Autopay's eligibility criteria.
Limits
- min limit - 10000.00Minimum loan amount of $10,000.
- max limit - 100000.00Maximum loan amount of $100,000.
- otherLoan terms from 3 years (P3Y) to 7 years (P7Y). The loan is secured against the financed vehicle.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-07T05:00:00Z · Product ID: autopay-d2c