New Low Rates Available

Drive Your
Dream Car

Low-rate auto loans with 24-hour approval. Start your journey today with the cooperation you trust.

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3.99%

New Auto APR

24h

Approval Time

60

Days No Payment

200+

Partner Dealers

Institutional Pricing

Competitive Rates.

Transparent pricing for every journey. Find the perfect fit for your budget with market-leading interest structures.

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New Auto Loans

3.99%

APR

trending_down -0.25% from last month

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Used Auto Loans

4.49%

APR

trending_up +0.10% from last month

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Refinance Rates

3.75%

APR

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Precision Planning

Auto Loan
Calculator.

Move the sliders and the figures update as you go. It uses the same amortisation as your offer, and excludes insurance, road tax, servicing and any arrangement fee.

$35,000
60 Months
$
$
%
Deposit and trade-in 14%

Indicative only. Your formal offer states the rate, the total repayable and any fee before you commit.

Estimated monthly payment

$552.36

Amount financed

$30,000

Total interest

$3,141.62

Total cost of the car

$38,141.62

Rate used

3.99%

Apply with these terms See the rate for my vehicle
Debt Restructuring

Lower Your Monthly Payments.

Already have an auto loan elsewhere? Refinance with Optimal MetroHub Bank and potentially save thousands over the life of your loan with our premium capital rates.

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Institutional Rates

Beating competitors by up to 1.5%

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Zero Entry Cost

No application or switching fees

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Payment Holiday

Skip first 2 payments upon switching

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Acceleration

Approval in 3 Simple Steps.

1

Apply Online

Fill out our secure 5-minute application form anytime, anywhere via the portal.

2

Get Approval

Receive a definitive institutional decision in as little as 24 hours from our core team.

3

Drive Home

Pick up your disbursement or have funds wired directly to the dealership instantly.

Strategic Ecosystem

Specialized Dealer
Network.

We partner with over 200+ certified dealerships across the country to bring you exclusive Optimal MetroHub Bank member pricing and pre-negotiated institutional deals.

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In detail

Before you sign anything.

Each stage of buying a car on finance has its own page, with the rates, the criteria and the traps that cost people money.

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Rates and fees

Indicative rates by vehicle type, what moves the rate you are offered, and every fee.

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Get pre-approved

What pre-approval tells you, what it does not commit you to, and what we need.

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Buying through a dealer

Dealer, private and auction purchases, part-exchange, and comparing dealer finance.

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Refinancing

When moving an existing car loan saves money, and when it quietly costs more.

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Help centre

Questions borrowers actually ask.

The same answers our lending team works from, published rather than kept internal.

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How do I apply for a loan or credit facility?

Choose the product, complete the online application, upload your supporting documents, and track the decision from your dashboard.

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What documents do I need for a loan application?

Proof of identity and address, proof of income, and recent bank statements. Secured lending also needs documents for the asset.

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How long does a lending decision take?

Personal loans are usually decided within one to three working days. Mortgages and secured facilities take longer because of valuation and legal work.

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How do I check the status of my application?

Sign in and open Applications. Each entry shows its current stage, anything outstanding from you, and the full history.

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How do repayments work, and can I pay off early?

Repayments are collected automatically on the agreed date. Overpayments and early settlement are allowed — request a settlement figure first.

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Where do I find the fees that apply to my account?

Your account's fee schedule is in online banking under Profile → Documents, and every fee is shown on screen before you confirm a transaction.

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Ready to build your dream stable?

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Automotive Financing

Let us help you get on the road with institutional power.

Our dedicated lending teams and specialist advisors are available around the clock to ensure your path to vehicle ownership is seamless and high-velocity.

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Open in minutes

Most personal applications are decided the same working day.

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Speak to a specialist

Real people, not a phone tree. Card and fraud lines run 24/7.

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Protected by design

Two-factor authentication and continuous fraud monitoring as standard.

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