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 has been developed by Clickcar Australia Pty Ltd as a guide only. The results of this calculator are indicative. It is for illustrative purposes only and is based on the accuracy of the information you have provided. No result from the use of this calculator should be considered a loan application or an offer of finance. The calculator does not take into account your personal circumstances or any fees and charges or government taxes which may apply. You should not rely on this calculator for the purpose of making a decision whether to apply for finance. Speak to the Carma Customer Finance team for more information.

  • Open and transparent interest rates and fees

  • Quick and simple 
paperless process

  • Fast approvals typically by the same business day

We’re doing car finance differently

  1. You’re in control

  2. Commitment-free

  3. No impact to credit score

  4. In the fast lane

Here’s how it works

  1. Call for a personalised finance quote

  2. Complete your application

  3. Sign the digital paperwork

  4. Ready for delivery or collection

Finance provided by

What our customers say about us

Must confess to being skeptical of an online car dealer where you pay a deposit, sign a Contract of Sale and, in my case, organise Carma finance before even setting eyes on the vehicle in real life! Having given it a go I can honestly say it was a great experience. The 7 day trial is genuinely that - no strings attached. I know as I ended up returning the car I was looking to buy... Read more
Steven C.
30/5/24
MAZDA CX-5 GT 2018
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
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.