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 June 10, 2018]

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.

Their offering includes insurance & finance products

Both the NRMA (National Road s 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, their approach towards matters financial is still one of obvious transparency and legitimacy, and this shines through their 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.

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.

A comparison rate of 7.52%

The NRMA’s car loans are offered at a rate of 6.99% against a comparative rate of 7.52% on vehicles valued over $15,000. Loans on new and used cars as well as motor-homes, motorcycles & caravans and even boats all fall under the car loan category.

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.

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 loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

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

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.

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.

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.

We have got you covered

When you loan from us we will make sure to help you keep your car in the best condition making sure that you will have many years to enjoy your vehicle with us. We are here for you and we want to make sure you get the best with your car that is why we offer you when you take a car with us Insurance which is a bonus cause when you make payment for your car you will only pay one amount for both your car and insurance. We also offer you roadside assistance for as little as 9.99 Dollars. Here comes the best part when you pay as little as $10. You can get all of the following benefits Such as if you have a flat battery we will come and help you. If you have locked your keys in your car we have got your back and petrol well we will come out and help you and refill your tank.

Keeping up to date with our app

Download the app and start saving today all you have to do is go to the following once you have downloaded the app. search on your app and find fuel prices and you will be able to redeem price discounts and there is more you can find accommodation and you can also find

Places to go eat and drink it are your very own travel companion.

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