Mazda CX5 car loans

This mid-size SUV is super popular with buyers, outselling all other competitors in 2018. Here's a quick overview of the number one SUV in Australia, including how to get a competitive car loan to buy one.

Mazda CX-5 SUV car loans comparison table

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Simplify New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
IMB New Car Loan Fixed1 - 7 Years $2,000 - $125,000	Interest Rate (p.a.) 6.24%	Comp. Rate (p.a.) 6.59%	Application Fee $274.78	Monthly Fee $0	Monthly Repayment $619.01	Go to siteMore Info Compare	You'll receive a fixed rate of 6.24% p.a. A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
OurMoneyMarket New Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
RACV New Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.29% to 16.99%	Comp. Rate (p.a.) 8% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $635.67	Go to siteMore Info Compare	You'll receive a fixed rate from 7.29% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
loans.com.au - New/Demo - Variable Rate Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.39%	Comp. Rate (p.a.) 7.37% to 8.5%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to siteMore Info Compare
OurMoneyMarket Used Car Loan ($5,000-$100,000) Fixed1 - 7 Years $5,000 - $100,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Simplify Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.
loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.39% to 7.39%	Comp. Rate (p.a.) 8.52% to 8.64%	Application Fee $400	Monthly Fee $8	Monthly Repayment $641.54	Go to siteMore Info Compare
RACV Used Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 8.49% to 16.99%	Comp. Rate (p.a.) 9.21% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $647.01	Go to siteMore Info Compare	You'll receive a fixed rate from 8.49% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
loans.com.au - Fixed Rate Used Car < 3 years Fixed3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.59% to 8.79%	Comp. Rate (p.a.) 8.72% to 10.04%	Application Fee $400	Monthly Fee $8	Monthly Repayment $643.41	Go to siteMore Info Compare
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 -	Interest Rate (p.a.) 9.49% to 29.99%	Comp. Rate (p.a.) 10.37% to 30.69%	Application Fee $0	Monthly Fee $13	Monthly Repayment $653.57	Go to siteMore Info Compare	Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.

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Mazda CX-5: Specs and pricing

You can buy the CX-5 in front-wheel drive or all-wheel drive. For FWD models, there are two trim grades, Maxx and Maxx Sport. With the AWD, Mazda offers Maxx, Maxx Sport, Touring, GT and Akera trims.

As a compact crossover SUV model, it's decently priced. FWD Maxx CX-5s are the least costly, with a drive-away cost of $33,990. A top of the line Akera AWD CX-5 will cost you $51,235.

Transmission wise, you have the option of a six-gear manual or a six-speed auto. Mazda equips the CX-5 with either a 2.0-litre, four-cylinder petrol (115kW, 200Nm) or a more powerful 2.5-litre petrol (140kW, 252Nm) engine. The 2.0-litre looks to edge out the bigger engine on fuel use, consuming just 6.9 litres per 100km versus 7.4 litres. There's also a 2.2-litre diesel for those who want it. This is the most frugal power plant, sipping just 5.7 litres per 100km and having 140kW, while making a maximum torque of 450Nm.

Mazda CX-5 Maxx

The CX-5 Maxx is the introductory model to both the FWD and AWD alternates. For a FWD, expect to pay from $33,990. An AWD variant will cost you $38,990.

Note: The AWD Maxx is configured as an automatic and fitted with the 2.5-litre SkyActiv-G. It also has cylinder deactivation to help improve fuel economy. It also gets a 2-litre larger fuel tank (58 litres).

Standard features on the Maxx include the following:

• 17-inch steel wheels
• Power-adjusting, folding mirrors (body coloured)
• Automatic LED headlights
• Two-speed, front rain-sensing wipers
• Air conditioning
• Mazda Radar Cruise Control (MRCC) with Stop & Go
• Power windows
• Black cloth seats
• Rear seats with reclining function
• Leather steering wheel, tilt and telescopic
• Leather gear-shift knob
• Advanced keyless push-button ignition
• Six-speaker audio system
• Bluetooth hands-free phone and audio capability
• Electric parking brake with auto hold
• Seven-inch infotainment screen
• Internet radio integration
• Start/stop engine
• Apple CarPlay and Android Auto

Safety equipment includes the following:

• Six airbags
• Blind-spot monitoring (BSM)
• Driver attention alert (DAA)
• Forward obstruction warning (FOW)
• G-vectoring control (GVC Plus)
• High beam control (HBC)
• Lane departure warning (LDW)
• Lane keep assist system (LKAS)
• Manual speed limiter (MSL)
• Rear parking sensors
• Rear cross traffic alert (RCTA)
• Reverse camera
• Smart brake support (SBS)
• Forward and reverse smart city brake support (SCBS)
• Tyre pressure monitoring system (TPMS)

For the money, it's a pretty decent spec list. ANCAP awarded the CX-5 five-stars in 2017.

Mazda CX-5 Maxx Sport

Maxx Sport builds upon the Maxx, with a drive-away cost of $38,740. For the extra money, you'll get the following:

• 17-inch alloy wheels
• Front fog lamps - LED
• Air conditioning (dual-zone climate control)
• Auto-dimming rear-view mirror
• Rear seat centre armrest with USB charging plugs
• Satellite navigation

You also get the choice of a diesel, which isn't available on the Maxx line.

Mazda CX-5 Touring

Touring marks the start of the AWD-only models, and Mazda asks $43,740 for this model.

In return, you get the following (improving on the Maxx Sport spec):

• Heated and auto-folding power mirrors
• Black Maztex, synthetic leather replacement/black suede
• Advanced keyless entry

Extra safety features include the following:

• Active drive display (head-up display)
• Front parking sensors
• Traffic sign recognition (TSR)

Keen to learn more about the models above? Read our comprehensive Mazda CX-5 review.

Mazda CX-5 GT

The GT CX-5 starts from $48,485. It's based on the Touring spec with the addition of the following:

• 19-inch alloy wheels
• Power sliding and tilting glass sunroof
• Remotely operated power tailgate (open/close)
• Heated front seats, with the driver's seat having two-position memory and 10-way power-adjustment
• Six-way passenger seat power adjustment
• Black or Pure white leather
• Premium Bose 10-speaker (counting subwoofer) sound system with 249-watt amp

Mazda CX-5 Akera

You'll need to shell out $51,235 for the top of the line Akera, fitted with a 2.5-litre petrol. For a 2.2-litre diesel, the drive-away price rises to $54,235.

Akera adds to the GT spec. Highlights include the following:

• 19-inch alloy wheels with a Brilliant Dark finish
• 360° surround view
• Adaptive LED headlamps
• Front seats with cooling function
• Second row outer seats heating function
• Dark Russet Nappa leather
• Heated steering wheel
• Seven-inch multi-information metre display
• LED ambient lighting
• Black headliner
• Frameless rear-view mirror
• Wood dashboard and door trim pieces
• Overhead console

Why buy a Mazda CX-5?

Why is the CX-5 such a popular SUV? What are its key selling points?

• Contemporary exterior
• Quality interior, well assembled
• Mazda's dealer network
• Praiseworthy interior design
• Active safety assists
• Handling and ride
• Quiet interior
• Comfortable ride
• Five-year, unlimited-kilometre warranty and five-year premium roadside assistance
• Five-star ANCAP
• Spacious

How to compare car loans for the Mazda CX-5

There are several ways to purchase a car, with varying types of vehicle finance.

This article will mainly concentrate on secured and unsecured car loans.

Secured car loans

If you compare secured and unsecured car loans, you'll see the former have lower interest rates. That's because secured car loans use the vehicle you buy as a form of collateral against the loan. The lender lodges their interest on the Personal Property Security Register (PPSR). That means if you fail to pay, they can legally recover the asset, in this case, your car. To a lender, this represents less risk, so they pay it forward by dropping the interest rate. You may also be cleared to borrow a higher figure with this type of loan.

The following are some of the downsides to secured car loans:

• There may be conditions placed on the type and age of vehicle you buy
• You'll likely be restricted in how you can spend the loan (just on the car, not on related/unrelated costs)

Unsecured car loan

If you want more freedom when it comes to the age and type of vehicle you buy, as well as how you spend the borrowed funds, you might consider an unsecured car loan. With an unsecured car loan, no security interest is taken in collateral. The interest rates won't be quite as juicy, but there are fewer constraints attached to the loan.

Like life, there are some downsides to an unsecured car loan. Mainly, with a higher interest rate, you'll pay more back over the loan term compared to a secured one. Likely, you'll be able to borrow less money and the criteria for applying will be more exacting.

As you do your calculations to see what you can afford, always make sure to include figures like any application/monthly fees and the interest.

Using the car loan comparison tool

We designed our car loan comparison tool to be as easy and quick to use as possible. All you need to do is select a car model, find out the drive-away price (we've included some figures above), pick the length of time you'd like to borrow the cash over and then hit calculate.

Should the monthly repayments be just beyond your budget range, think about extending the loan term. Though you'll pay more in interest, it will spread out the cost and lower the price month-to-month. As a general guide, a $30,000 car loan over three years could cost approximately $900 per month (as of January 2020), while the same loan over six years will be nearer to $500.

Finding all this car loan information confusing? Check out our simple, everyday-language guide to car loans.

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Written by

Ben Gribbin

Writer

Ben Gribbin is an automotive writer at Finder. He is a life-long car enthusiast, bringing many years of experience working with and writing about cars. During his time, Ben has been a freelance writer, editor and reviewer for a number of leading publications across the UK. He was voted the Guild of Motoring Writers Breakthrough Blogger in 2015. See full bio