Heritage
Car Loan
Heritage · pers loans
Provider last updated this product 2026-06-04.
Purchase or refinance of a new or used vehicle up to 10 years old through a Dealer or Private Sale
As published by the lender
- Vehicles - New or used vehicles, up to 10 years old
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 6.49% | 6.84% | OTHER | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| Fixed term can range from 1 to 7 years. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. Car loan comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments, for secured loans only. 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. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Application fee | UPFRONT | $250 | - |
| Default fee - if payment remains outstanding after its due date | EVENT | $30 | - |
| Monthly Administration Fee | PERIODIC | $0 | - |
| PPSR Registration fee | OTHER | - | Fee is charged per PPSR registration |
| PPSR VIN validation fee | OTHER | - | Fee is charged per PPSR Vin validation |
| Heritage Cheque Fee | WITHDRAWAL | $10 | Heritage Cheque fee payable to Heritage if credit under this Credit Contract is provided by a cheque drawn by heritage on itself |
| Special Request Transaction Listing Fee | EVENT | $7.50 | Whenever a listing of transactions between two given dates is issued on your account |
| Redraw Administration Fee | WITHDRAWAL | $20 | If you apply to redraw Payments in Advance other than a request through Online Redraw |
| Direct Debit Dishonour fee | TRANSACTION | $10 | If a direct debit authorised to be made from or to your account is dishonoured |
| Capital reduction recalculation fee | EVENT | $75 | If you ask Heritage to capitalise payments in advance or payment or proposed payment under the credit contract |
| Document/Record search fee | EVENT | $12 | Whenever Heritage provides a copy of a document relating to your loan at your request or at the request of a security provider |
| PPSR Search fee | OTHER | - | When Heritage carries out a PPSR search on a motor vehicle subject to a security. Fee is charged per PPSR search. |
| Enforcement fee | EVENT | $20 | Payable if we make good on a default under a security by performing a financial obligation (such as payment of an insurance premium or rates). |
| Renegotiation fee | EVENT | $250 | Payable each time you ask us to vary your credit contract or we offer a new credit contract to you. |
| Collateral Security Preparation fee | EVENT | $100 | - |
| Change of term fee | EVENT | $75 | Payable if you to ask us to agree or offer to change the loan term. |
| Telegraphic transfer fee | EVENT | $30 | Payable if money lent to you is telegraphically transferred within Australia. |
| Approval request fee | OTHER | - | Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal. |
| Bank cheque fee | OTHER | - | Cost payable to any bank issuing a bank cheque for settlement on settlement of loan. |
| Paper Based Statement Fee | OTHER | $3 | Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 6.49% | 6.84% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- No penalty for paying out early or making extra repayments
- Electronic or paper statements available
- SMS services
- Purchase or refinance a new or used vehicle, up to 10 years old
- Loan terms from 1 to 7 years
- Flexible Repayment Options
- Fixed repayments to make budgeting easy
- Loan amounts from $20000
- Repay in full at anytime
- Car, Caravan or Motorbike eligible security
Who can apply
- min age - 18
- residency status - Australian Permanent Residents and Citizens
Limits
- min limit - 20000.00
- max balance - 100000.00
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: 2026-06-04T00:02:49.658Z · Product ID: acc16605-491c-4908-84a2-0f3baedbc397