Mazda finance options

This guide will help you understand the different Mazda finance options and instantly compare Mazda car loans.

What type of Mazda finance options are there?

You have a number of Mazda finance options available when it comes to getting a new car. These include:

• Secured car loan. A secured car loan requires you to use your Mazda as security against the loan. You'll generally receive a lower rate than on a normal loan, but the lender may take ownership of the vehicle in the event you don't repay your loan.
• Unsecured loan. If you don't wish to use the Mazda as security, you can opt for an unsecured loan to finance your car. These loans usually have higher interest rates than secured loans and may have lower maximum loan amounts.
• Novated lease. This involves an agreement between you, your employer and a third-party financier where you pay for your vehicle out of your pre-tax salary. Your employer will be responsible for making the repayments to the lender directly from your salary, allowing you to reduce your taxable income.
• Commercial hire. This involves you renting the car and having the benefits of ownership without actually owning the Mazda. This can be a good option for business owners and people who want the car but don't want to own it outright.
• Chattel mortgage. This is a Mazda finance option for businesses where a lender loans money to the company for the car and then puts a mortgage on the car, which is repaid over the term of the loan.
• Mazda dealer finance. Many large carmakers such as Mazda also offer car finance through their dealers. Most dealer finance options require you to make a lump-sum balloon payment at the end of the loan term. In Australia, Mazda partners with Australian Alliance Automotive Finance Pty Limited to provide finance.

Other costs to consider

• Servicing and repairs. All cars require ongoing servicing and maintenance to ensure they stay in good working condition. You'll also need to pay for any unexpected repairs for your vehicle.
• Registration and insurance. You'll need to purchase compulsory third party (CTP) insurance and register your car in order to use it in Australia. There are also a number of optional insurance products to help protect you against theft, fire, accidents and any other damage. The cost of optional insurance will vary based on your specific plan, as well as your driving history, age and gender.
• Stamp duty. The duty you pay when purchasing a car will differ based on your state or territory. You can use our stamp duty calculator to see how much you'll pay.
• New car extras. If you plan on getting add-ons such as leather seats or parking sensors, you should factor the cost into your budget.
• Fuel. Your fuel usage will be determined by the amount you use you car, as well as the fuel efficiency of the model you choose. The ATO classifies a fuel-efficient car as one with a fuel consumption of less than 7L/100km, meaning all current Mazda models can be considered fuel-efficient according to this guideline.
• Cost of finance. If you take out a car loan or use another form of finance to help purchase your Mazda, you should consider the cost of the loan as part of your overall costs. See below for more information on your financing options.

Things to consider before taking out finance on a Mazda

Here are a few things to consider before deciding to finance a Mazda.

• Fees. Make sure you’re aware of all of the fees you may have to pay before applying for a loan. This can include upfront fees, such as application and establishment fees, or ongoing fees such as monthly or annual fees.
• Loan term. Figure out realistically how quickly you can afford to pay off your loan and find a loan term that meets this.
• Interest rates. Compare interest rates to find the lowest and best rate for you. This is a crucial detail to look at as this impacts your repayments and the overall cost of your loan.
• Comparison rate. The comparison rate factors in any additional fees or charges to give you the true cost of the loan. It's always worth finding out the comparison rate when looking at a range of loans.
• The amount you want to borrow. Different lenders will have different loan amounts they'll be willing to lend. Make sure you find a loan product that meets your borrowing needs.

Mazda finance options: What you'll need to apply

Eligibility criteria and application requirements differ between lenders, but you'll generally need to meet the following criteria to be eligible for a loan:

• Be 18 years of age or over
• Be an Australian citizen or permanent resident
• Have a steady income that allows you to afford the repayments
• Be employed in some capacity (some lenders will accept Centrelink applicants)

Compare Mazda car loans now

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
loans.com.au - New - Variable Rate Special Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.74%	Comp. Rate (p.a.) 7.36% to 8.85%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	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.
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
OurMoneyMarket New Car Loan Fixed1 - 7 Years $5,000 - $75,000	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.
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed1 - 7 Years $5,000 - $75,000	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.) 7.74% to 7.74%	Comp. Rate (p.a.) 8.85% to 8.99%	Application Fee $400	Monthly Fee $8	Monthly Repayment $644.82	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.) 8.7% 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 - $70,000	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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Product FCI	Roadside assistance	Accidental damage	Storm	Choice of repairer	Agreed or Market Value
Youi Comprehensive Finder Award				Optional	Agreed or Market	Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.	Get QuoteView details Compare	loading Fetching your data...
Budget Direct Comprehensive Finder Award	Optional			Optional	Agreed or Market	Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions. ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply. Who it might be good for: Anyone who wants a good value policy.	Get QuoteView details Compare	loading Fetching your data...
Coles Comprehensive	Optional			Optional	Agreed or Market	Summary: Coles Comprehensive Car Insurance includes the benefits you’d expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C’s apply). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply). ⭐ Current offer: Get $50 off one Coles shop when you take out a new Coles Car Insurance policy and link your Flybuys account. Offer ends 30 November 2024. Plus, save 15% on your first year’s premium when you buy online. T&Cs apply. Who it might be good for: Those who want great quality cover and more rewards with Flybuys.	Get QuoteView details Compare	loading Fetching your data...
Qantas Comprehensive	Optional			Optional	Agreed or Market	Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). ⭐ Current offer: Earn up to 40,000 Qantas Points with every car insured by 29 January. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply. Who it might be good for: People who want more bang for their buck with Qantas Points.	Get QuoteView details Compare	loading Fetching your data...
Youi Comprehensive Finder Award				Optional	Agreed or Market	Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.	Get QuoteView details Compare	loading Fetching your data...
ALDI Comprehensive					Agreed	Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits. Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.	Get QuoteView details Compare	loading Fetching your data...
Huddle Black Comprehensive					Agreed or Market	Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia). Who it might be good for: Those who want top cover for their car.	Get QuoteView details Compare	loading Fetching your data...
QBE Comprehensive Green Company				Optional	Agreed or Market	Summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get QuoteView details Compare	loading Fetching your data...

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Mazda models available in Australia

There are nine new Mazda models currently available for purchase in Australia, including hatchbacks, sedans, SUVs and a sportscar. These are:

How much does it cost to buy a Mazda?

According to Redbook, the purchase prices of popular 2019 Mazda models are as follows:

Written by

Courtney Allan

Graduate publisher

Courtney Allan was a writer at Finder covering personal finance. She has written for a number well-known publications and companies including the NRMA. See full bio