Tailored car finance that puts you in the driver’s seat.

We support you at every step, offering multiple finance options to help you make an informed decision.

Access to 3 trusted lenders in 2 minutes

How much do you want to spend?

$

$

Term of loan (years)
Interest rate
Slide between 8% and 17%

%

Your estimated purchase price
$30,600*

*This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Fees and charges are payable and the calculations do not take these into account. Terms and conditions apply. We will not store the information provided in this calculator.

  • Open and transparent interest rates and fees.

  • Quick and simple
paperless process

  • Fast approvals typically by the same business day

Looking for a perfect match for your budget?

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    • We’re doing car finance differently

    1. You’re in control

      Compare up to 3 personalised quotes to find your best fit.

    2. Commitment-free

      Not keeping the car after 7 days? We’ll cover your cancellation costs.**

    3. No impact to credit score

      Getting personalised quotes won’t affect your credit score.

    4. In the fast lane

      Get your car sooner by financing through Carma’s lending partners.

    Here’s how it works

    1. Call for a personalised finance quote

      Call us at 02 8319 3210 and our finance consultants will ask you a few questions to provide personalised quotes for your selected car. We’ll reserve your car with a $500 refundable deposit.

    2. Complete your application

      Our expert finance consultants will guide you through your application. Typically, our finance partners will have a decision for you within the same or next business day.

    3. Sign the digital paperwork

      Once your application is approved, the lender will send your paperwork to you online, ready to sign from the comfort of your own home. Our finance consultants are available to offer assistance if you need help.

    4. Ready for delivery or collection

      Once your signed paperwork and any additional documents are verified, your lender will release the funds to us and we’ll get your new Carma car ready for delivery or collection.

    Finance provided by

    1. Automotive Finance love cars and finance! Their products and rates are tailored to you and to your circumstances. Their systems and platform can support and sign you up digitally wherever you are, so throw away your pen and they’ll do all the hard work for you!

    2. Plenti is Australia’s leading fintech consumer lender, providing faster and fairer loans to people who want to bring their big ideas to life. Plenti's technology - developed entirely in-house allows them to provide loans with personalised rates and best-in-class customer service.

    3. Get behind the wheel sooner with a personalised loan. Take the smart route with low rates, no ongoing fees and same-day settlement.

    4. Supporting drivers with their journey to owning a car, Volkswagen Financial Services Australia can help you find a vehicle finance solution that fits your budget and lifestyle. We want to ensure you have all the tools, services and support to make your vehicle finance as easy as possible.

    What our customers say about us

    My experience with Carma has been nothing but seamless from choosing the car I wanted, which was a 2021 KIA Cerato, to the finance application which took no time at all and then finally picking up my car. I couldn’t recommend Carma more.
    Joshua Flannery
    28/4/24
    KIA CERATO S 2021
    Gotta say I was impressed. Buying a car and not sitting in it, let alone driving it is a strange concept. I bought a Polestar and it does not even have an on/off button! haha. Anyway, the team was great, Chris in finance was a top bloke and the whole process was a first for me and the car was immaculate and smelt nice too! Give it a go! people!
    Philip Hack
    14/03/24
    POLESTAR 2 STD RANGE SINGLE MOTOR 69KWH 2022
    I've been working 11hr days frequently at work recently. Carma made the intimidating process of buying a car a seamless, joyful breeze! I can't stop recommending them to all my friends and would highly recommend to anyone with even a slight interest at looking to upgrade or buy their first car. Thank you, Carma!
    Matthew W.
    16/5/23
    KIA RIO GT-LINE 2021
    It was a pleasure buying my car through Carma. The staff are exceptional: responsive, polite and professional. A great range of cars and I’m very happy with mine. It’s in such good condition it doesn’t even feel used. I thoroughly recommend Carma.
    Lara C.
    26/4/23
    TOYOTA PRIUS-C HYBRID
    The Carma customer service team and finance team made the process of buying a car so easy and quick too! The car was delivered in perfect condition and on time. The team were very knowledgeable and know what they're doing, couldn’t recommend them enough!
    Frances
    27/07/22
    TOYOTA COROLLA ASCENT SPORT 2015
    Highly recommend! Had a great experience purchasing a car online with Carma, staff were extremely helpful throughout the whole process. They were quick to respond to any questions I had and were always up to date on where the application was at. It was super quick and easy and car was in immaculate condition.
    Niamh C.
    28/05/23
    TOYOTA YARIS CROSS GX 2020

    You could afford a better car than you thought

    Popular finance questions

    **Cancellation cost coverage applies only to customers where Carma originally arranged the finance through one of Carma’s finance partners, Plenti, Wisr, and Automotive Finance.