Rating based on 23 reviews

NRMA Car Loans

  • Car loans up to $100,000
  • Low-interest starting from 7.52%
  • Repayment up to 7 years

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NRMA Car Loans homepage
Author NRMA Car Loans. Screenshot of NRMA Car Loans website.
[Accessed May 24, 2023]

About NRMA Car Loans

Although originally formed in 1920 to ensure legislated road expansion and maintenance, the NRMA’s presence today is that of a motoring partner entity offering everything .

Their offering includes insurance & finance products

Both the NRMA (National Roads and Motorist’s Association) and the RACA (Royal Automobile Club of Australia) had many similar aims and roles in the lives of Australians after their inception and especially during the Depression of the 1930s and the subsequent Second World War.

While a merger was mooted often enough, it never materialised. That said, there is a strong association nowadays and overlapping mutual benefits for both the entities and the consumer.

A fair shake for the man in the street

From a starting point of public benefit, the NRMA has never lost the patriotic ethos of a fair shake for the man in the street and this permeates their presence today with their affordable vehicle finance options.

Transparency and legitimacy

Although they are a very established entity with substantial holdings, its approach towards matters financial is still one of obvious transparency and legitimacy, and this shines through its online presence too.

Simple online loan applications

Buying a car through NRMA via their polished online loan application procedure is relatively simple and hassle-free.

Although a site with a different look & feel, their car loans are presented in a highly astute manner with all potentially necessary information cleverly arranged on the landing page when one clicks through.

Commitment to responsible lending

As a reputable Australian lender, NRMA maintains a strong commitment to responsible lending practices. They conduct thorough assessments of your financial circumstances to ensure that the NRMA car loan and repayment terms are suitable and affordable. This responsible approach safeguards both your interests and the integrity of NRMA's lending operations.

NRMA Car Loans Services

There are member benefits (indeed, being either an NRMA or RACA member has benefits when one obtains a vehicle loan through NRMA) and a host of affiliate considerations when one has applied.

All of this information is well presented, however, and many Australians feel “at home” taking a loan through NRMA.

Features of the NRMA car loan

Competitive rates from just 6.59%

NRMA car loans provide new car loan rates starting from a low 6.59% p.a. (comparison rate 7.49% p.a.). These rates are subject to change, so it's recommended to contact NRMA for a confirmed quote.

Refinancing of existing car loans

One facility that is proving both attractive to consumers and the NRMA alike is the refinancing of existing car loans, where this particular service can often end up saving client money over the repayment term.

Promotions and member benefits

Promotions and member benefits sometimes come with a few preclusions and it’s always best to make a call before submitting an application, in order to clarify exactly what one can capitalise on and expect from an NRMA car loan.

Discounts on electric vehicles and personalised NRMA car loan rates

Eligible fully electric vehicles receive a 1.5% discount on the personalized interest rate, promoting eco-friendly transportation. NRMA Blue members enjoy even lower rates and exclusive benefits, although membership is not mandatory.

With no ongoing fees, NRMA Car Loans offer cost-effective financing options. They provide helpful tips and advice to assist customers in making informed purchase decisions. Whether an NRMA member or not, NRMA Car Loans offer accessible and competitive solutions for financing your next vehicle.

NRMA Car Loans – Car loan

  • Loan Type Car loans
  • Interest Rate from 7.52%
  • Loan Amount up to $100,000
  • Repayment 12 months to 7 years

Benefits of NRMA Car Loans

  • Get vehicle finance up to $100,000
  • Quick online loan applications
  • Repayment terms are up to 7 years
  • Interest rates start at 7.52%

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Simple and hassle free: The NRMA car loan advantage

Repayment schedules range from 1 to 7 years and car loan amounts start from a minimum of $5,000. These loan ranges and loan terms are ideal for the financing of both new and second-hand or vintage cars and will offer you a host of member benefits.

A preferred option for members

Offering fast loans with a few peripheral fees, the NRMA is nonetheless a preferred option for many Australians because of the add-on member benefits and the feeling of assurance that comes with an assistance-driven entity.

Know what you’re getting

They may not be as sleek in their offering from a simplicity & presentation point of view, but you always know exactly what you’re getting.

 In addition, the help centre carries the ethos of public concern and many consumers recognise and relate to this, thus making car loans a growing percentage of the NRMA’s revenue.

The NRMA have got you covered

When customers choose to loan from NRMA, the company ensures their car remains in optimal condition, allowing for many enjoyable years of vehicle ownership. NRMA is dedicated to providing exceptional service, including the option to combine car loan payments with insurance, simplifying the payment process.

Additionally, NRMA offers affordable roadside assistance starting at $9.99, providing peace of mind in case of unexpected incidents. For as little as $10, customers gain access to numerous benefits, such as battery assistance, lockout support, and refuelling services, ensuring they are taken care of in various situations. NRMA goes the extra mile to support its customers and ensure they have a positive and worry-free experience with their vehicles.

Apply for your NRM car loan 

A seamless 20-minute application

To apply for a car loan from NRMA, the process is quick and straightforward. You can complete the application online in just 20 minutes, saving you time and hassle. To be eligible for a car loan, there are certain requirements you need to meet, such as providing the necessary documents and identification.

It's important to be prepared with these documents when applying for your car loan. Additionally, NRMA offers a 1.5% discount on the personalized interest rate for eligible fully electric vehicles, promoting environmentally friendly transportation options.

Approval on average takes around five hours

There is a loan application fee of $370 as well as an early settlement fee of $205 or 2% of the outstanding balance (whichever one is the greater) at the time of the final payment. This stipulation does only apply for the first three-quarters of the contracted loan term.

Customer Reviews & Testimonials

November 2018

I use my app for everything and its super easy and you save. You can’t go wrong.

Mason J
— Sydney —

October 2018

When I got my new car I got the roadside assistance package to help me make sure that I am always safe and for a great price too I have complete peace of mind.

Migien S
— Brisbane —

NRMA Car Loans Contact

Contact Number


  • not available


Physical Address

  • Magnolia Mall Shop 14, 285 Windsor St Richmond NSW 2753 Australia
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 10:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 09:00 – 12:00
  • Sunday – Closed