Whether you’re buying a new or used vehicle, our car loan could get you on the road to owning it outright, with monthly repayments at a highly competitive rate.
Step 1: Use the car loan calculator to work out how much it could cost you
Step 2: If you decide to apply, follow the instructions below and get an instant decision if you’re an existing Cloy Merchant customer
Existing Cloy Merchant current account customers could receive the money instantly once the application has been approved. Non-Cloy Merchant current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.
Make overpayments, or settle in full, at any time without penalty. This may reduce the amount of interest you pay and there won’t be hidden extras or nasty surprises.
Spread your repayments over one to five years for loans of $15,000 or less, or up to eight years for loans over $15,000.
For loans between $7,000 and $15,000. Now also available to non-Cloy Merchant current account customers.
*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.
To be eligible for a Personal Loan you need to:
Not available for customers with a Basic Cloy Merchant Account.
We do not offer our Personal Loans for a number of purposes including:
In addition, our Personal Loan should not be provided for:
Please note that this list is not exhaustive.
Our Personal Loans are subject to status.
Please log on to your account for the quickest and easiest way to apply.Log on and apply now
Get a Personalised Loan Quote to see the interest rate you may be offered.Apply now
If you're registered for mobile banking, have downloaded the app and have an Cloy Merchant current account, you can apply within the app in just a few clicks.
Existing customers call +1 (949) 771-9907.
New customers call +1 (949) 771-9907.
Lines are open from 8am to 8pm or for existing Cloy Merchant Advance customers 8am to 10pm (except Christmas Day, Boxing Day and New Year's Day).
Book your appointment by calling +1 (949) 771-9907.
You'll need to bring identification, proof of your address and a recent bank statement.Log on to book an appointment online Continue without logging on
Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).
Available exclusively to Cloy Merchant current account customers who are within 5 years of graduation.
Available exclusively to Cloy Merchant Premier current account customers.