Carma
Carma
  • Find your car
  • Sell or trade in
  • Car finance
  • Why Carma?

    Pre-owned cars, done differently

    Discover why
    • How Carma works
      The hassle-free way to buy.
    • Customer reviews
      Why our customers are buying the Carma way.
    • The Carma process
      A tailored process like no other.
    • Extended Coverage
      Best in class protection for the road ahead.
    • Our quality standards
      Raising the bar for pre-owned cars.
    • Our story
      A bold vision to reinvent the pre-owned car experience.

    Popular FAQs

    • Can I test drive the car?
    • How can I inspect the car?
    • Can I negotiate the price of Carma cars?
    View all FAQs
MY NRMA REWARDS BENEFITS

Thinking of buying a car?

Enjoy these member-only benefits:
5 additional days of Carma’s money back guarantee
5% off financing introducer fees
Bonus 3 months of Carma Coverage OR 5% off the price of Carma Extended Coverage
Browse all cars

Exclusive benefits for My NRMA Rewards members

Drive and decide

All customers can enjoy a 7-day money-back guarantee period to make sure the car is right for you.

My NRMA Rewards members get an exclusive bonus — 5 extra days, extending the money-back guarantee to a full 12 days.

Save on financing introducer fees

Carma makes car finance simple. Compare lenders, get transparent interest rates, and enjoy fast approvals — all in one place.

My NRMA Rewards members receive 5% off the price of financing introducer fees.

Bonus Carma Coverage

All customers receive a minimum of 3 months statutory warranty to give you peace of mind.

Save on Carma Extended Coverage

All Carma customers can purchase Carma Extended Coverage, which includes extended mechanical protection plus 24/7 roadside assistance. 

My NRMA Rewards members receive an additional 3 months of Carma Coverage, extending mechanical protection at no extra cost OR; receive an exclusive 5% discount when upgrading to any Carma Extended Coverage plan.
heroImage

How it works

Start in the my NRMA app

Start from your my NRMA app and find Carma in the 'Roads' tab. Alternatively, click on "Go to my NRMA" below.

Find your next car with Carma

Explore our range of expertly inspected and reconditioned pre-owned cars to find your next Carma car.

Your membership will be recognised when you checkout

Once you've found the right car, proceed to checkout. You'll see your benefits applied automatically on the payment summary page.

Enjoy your savings

Your contract of sale and tax invoice will also reflect your benefits. Enjoy your Carma car!

Go to my NRMA

Offer subject to Terms & Conditions

The exclusive preferred used car dealership of the NRMAThe exclusive preferred used car dealership of the NRMA

The exclusive preferred used car dealership of the NRMA

Our rigorous inspection, reconditioning, and quality assurance processes makes us the preferred used car dealership of the NRMA.

Learn more
We do car finance differently tooWe do car finance differently too

We do car finance differently too

Tailored completely to you, with multiple options and a transparent, streamlined process.

Find out more

National Roads and Motorists’ Association Limited ABN 77 000 010 506 (NRMA) is a separate and independent company from Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance.

Get in touch with us, we’re here to help

Mon-Fri: 8AM - 8PM AEST
Sat-Sun: 9AM - 6PM AEST
Call us02 8319 3210WhatsAppEmailhello@carma.com.auText0485 854 551

Popular makes

  • Used Toyota
  • Used Hyundai
  • Used Mitsubishi
  • Used Mazda
  • Used Kia
  • Used Ford
  • Used Subaru
  • Used Volkswagen

Popular car types

  • Used cars
  • Used SUVs
  • Used utes
  • Used hatchbacks
  • Used sedans
  • Used coupes
  • Used convertibles
  • Used people movers

Explore

  • Why Carma
  • How Carma works
  • Carma quality
  • Car financing
  • Sell my car
  • Extended coverage
  • Street Smarts
  • Buy cars online

About us

  • Contact us
  • FAQs
  • Investors
  • Carma Wholesale
  • Our story
  • Careers
  • Partnerships
  • Sitemap

Follow us

  • Instagram
  • Facebook
  • TikTok
  • YouTube
  • LinkedIn

Honoured to be recognised

We’ve won and been finalists for awards in recognition of our efforts to provide the best care and innovation to our customers.

  • Carma 2025 ORIAS pureplay winner
  • Carma 2025 ORIAS customer service excellence
  • Carma 2025 ORIAS best e2e customer experience
  • Carma 2024 Power retail top user experience winner
  • Carma 2024 Smart50 innovator award winner
  • Carma 2023 AFR most innovative winner
  • Carma 2023 ORIAS pureplay winner
  • Carma 2023 National Retail Awards emerging retailer winner
  • Carma 2023 iAwards merit
  • Carma 2024 top 100 fast starters
  • Carma 2024 Deloitte top 50
  • Carma 2024 Smart50 top 50
  • Carma 2023 LinkedIn top startups
  • Carma 2023 Deloitte tech rising star

^ Estimated repayment calculation based on an average rate calculated across all fixed P&I used car loans offered by Carma preferred financiers to eligible applicants purchasing a vehicle aged 0-7 years from build date. The interest rates displayed are guides only and does not reflect an offer for any particular product or your situation and does not imply credit is available to you at this rate. Repayments as a result of this simulation can vary based on your personal circumstances including your credit worthiness. Final rate and all applications subject to financier approval. Fees and charges apply. The direct debit frequency options available from financiers may differ.

†within Greater Sydney

NSW Motor Dealer’s Licence: MD087139 • NSW Motor Vehicle Repairer: MVRL59465

© 2026 Carma

  • Terms and conditions
  • Privacy policy
  • Policies

Stay up to date with the latest at Carma

Cars worth knowing about. Tips and news worth reading. All direct to your inbox.

Subscribe