Internet Banking and some features of our app will be unavailable due to scheduled maintenance on Saturday 4 May from 10pm until 5 May, 6am.  Please accept our apologies for any inconvenience caused.

Scheduled maintenance:  Internet banking and mobile app will be taking a short nap for some sprucing up between 4 May from 10pm through to 6am on Sunday 5 May. Thanks for your patience!



Car Loan

Cruise your way to a competitive loan for your new car.

Car Loan

Cruise your way to a competitive loan for your new car.

Get to where you’re going, faster

Designed to help get you on the road, the water, or across the land even faster, here are some key benefits of our Summerland Car Loan.

7.19% p.a.

Variable rate

This flexible rate option ensures you have the most competitive rate available.

7.84% p.a.

Comparison rate1

Taking into account any fees, rates and costs, compare products side by side to choose what’s best for you.

What can I use a Car Loan for?

Summerland Bank wants to get you where you’re going, which is why we offer competitive rates and a straightforward application process on all vehicle loans.

New or used cars (under five years old)


Recreational vehicles like caravans, campervans or motorhomes

Motorbikes or scooters

Benefits of choosing Summerland

Competitive Rates

With no early repayment fee on loans ranging from $5,000, access low competitive rates on car finance to get you where you’re going.

Fast loan approval

Our experienced on-shore team provides fast loan approval (often within 24 hours) and flexible repayment options, so you can choose a schedule to suit your needs.

Maximum peace of mind

Experience maximum peace of mind with financial protection, a streamlined claims process and comprehensive coverage options to safeguard your investment against the unexpected.

Car Loan

How much you can borrow is typically referred to as your ‘borrowing power,’ and what that number is can be different for each and every customer. While we make the process as transparent as possible, these are a few of the things we take into account: your income, assets, expenses, loan duration, and the type of loan you’re interested in.

Yes, establishment and monthly fees apply see loan fee schedule.

We are not here to stall your dreams. Typically, loan pre-approval and approval processes take 1-2 business days so you can get to where you’re going, faster.

We make things simple for you

We understand how confusing it can be to navigate financing a big purchase. Let our experienced lenders take away the stress of applying for finance. 

Apply online, or start a conversation with our lending experts

Your lending specialst will carefully guide you through the application process, be prepared to share your goals and financial information so we can let you know your borrowing capacity. 

Application and approval

Once you have provided us with your financial information and verification documents, we will have a decision back to you lightning quick! usually within 2 business days. 

Loan acceptance and funding

We make the loan acceptance process quick and easy, ensuring you can access your loan funds in time for your big purchase! 

Compare personal loan options

1. The comparison rate is based on a secured loan of $30,000 over 5 years.

2. The comparison rate is based on a secured loan of $10,000 over 3 years. 

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. 

3. Limited to cash held in a Summerland savings or fixed term deposit account. 

Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.

Target market determination available on request at our branches.

Loans Fees & Charges

Ready to get started?

If you’re ready for a braver kind of banking, here are three ways to get started with Summerland Bank.


Apply online

Get started online with your ID at the ready and a quick check of your personal details.

Contact us

Good old-fashioned customer service, the Summerland way.

Visit a branch

Find your closest Summerland Bank branch and our friendly local team will be ready to help.

Is there something else we can help you with?

A quick jump to content you may be interested in.