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# Finance your next car

Harmoney offers two ways to finance a car. A secured car loan {{secured.rate_min_pct}}%–{{secured.rate_max_pct}}% p.a.{{#au}} ({{secured.comparison_rate_min_pct}}%–{{secured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}} uses the vehicle as security for a lower rate, or an unsecured personal loan {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{currency_symbol}}{{unsecured.establishment_fee_formatted}}.{{/nz}} keeps the title clear. Both have $0 early repayment fees and $0 monthly fees.

Whether you are buying new or used, from a dealer or a private seller, Harmoney can help with the purchase price. A secured car loan uses the vehicle as collateral via PPSR registration, which typically means a lower interest rate. An unsecured personal loan does not require the vehicle as security, giving you more flexibility but at a higher rate. In both cases, your rate is fixed for the life of the loan, and there are no early repayment fees.

## Available products

- [Personal Loan](/personal-loan)
- [Car Loan](/secured-loan)

## Popular purposes

- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Debt Consolidation](/personal-loan/debt-consolidation)
- [Home Improvements](/personal-loan/renovation-loan)
- [Holiday Expenses](/personal-loan/travel-loan)
- [Business Cash Flow](/personal-loan/business-loans)