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Background

Mazda Finance Rates & Car Loan Deals in Australia

  • Get your best Mazda finance offers from multiple lenders
  • Finance a new or used Mazda today

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Mazda CX-60 electric car on road

Financing a Mazda in Australia

Mazda offers one of the widest range of vehicles of any manufacturer in Australia, from sporty roadsters and hatchbacks to the hardworking BT-50 ute. But its position as the country’s second-best selling car manufacturer (behind Toyota) is largely down to its extremely popular SUVs.

Among them are the Mazda CX-3 and CX-5 which regularly make the list of top-selling cars on the road.

When it comes to financing a Mazda, the range of options is also extensive, from car loans and novated leasing to dealer finance.

Whichever one you go with, the interest rate and fees you’re charged will play a major role in determining whether or not you’re getting a good Mazda finance deal.

In particular, even a small difference in car loan interest rate will be very noticeable when you’re repaying the loan.

Mazda finance options at a glance

  • Finance for all Mazda models including the CX-3, CX-5, CX-60 and BT-50
  • Low rate secured car loan or unsecured finance
  • Novated lease for Mazda available
  • Mazda commercial finance options
  • Borrow up to $150,000
  • New or used car finance available
  • Fixed or variable interest rate
  • Finance terms from 1 to 7 years
  • Flexible repayment options

Best Mazda finance rates compared

Vehicle

Mazda 2 (Pure Hatch)

Estimated cost

$26,624

Monthly repayments (6% p.a. interest)

$515

TitleMonthly repayments (8% p.a. interest)

$540

Monthly repayments (10% p.a. interest)

$566

Vehicle

Mazda 3 (Pure Hatch)

Estimated cost

$34,518

Monthly repayments (6% p.a. interest)

$667

TitleMonthly repayments (8% p.a. interest)

$700

Monthly repayments (10% p.a. interest)

$733

Vehicle

Mazda 6 (Sport Sedan)

Estimated cost

$40,512

Monthly repayments (6% p.a. interest)

$783

TitleMonthly repayments (8% p.a. interest)

$821

Monthly repayments (10% p.a. interest)

$861

Vehicle

Mazda CX-3 (Sport)

Estimated cost

$29,990

Monthly repayments (6% p.a. interest)

$580

TitleMonthly repayments (8% p.a. interest)

$608

Monthly repayments (10% p.a. interest)

$637

Vehicle

Mazda CX-30 (Pure)

Estimated cost

$34,664

Monthly repayments (6% p.a. interest)

$670

TitleMonthly repayments (8% p.a. interest)

$703

Monthly repayments (10% p.a. interest)

$737

Vehicle

Mazda CX-5 (Maxx)

Estimated cost

$38,888

Monthly repayments (6% p.a. interest)

$752

TitleMonthly repayments (8% p.a. interest)

$789

Monthly repayments (10% p.a. interest)

$826

Vehicle

Mazda CX-60 (Evolve)

Estimated cost

$66,026

Monthly repayments (6% p.a. interest)

$1,276

TitleMonthly repayments (8% p.a. interest)

$1,339

Monthly repayments (10% p.a. interest)

$1,403

Vehicle

Mazda CX-8 (Sport)

Estimated cost

$47,405

Monthly repayments (6% p.a. interest)

$916

TitleMonthly repayments (8% p.a. interest)

$961

Monthly repayments (10% p.a. interest)

$1,007

Vehicle

Mazda CX-9 (Sport)

Estimated cost

$52,426

Monthly repayments (6% p.a. interest)

$1,014

TitleMonthly repayments (8% p.a. interest)

$1,063

Monthly repayments (10% p.a. interest)

$1,114

Vehicle

Mazda BT-50 (XT Cab Chassis, Dual Cab)

Estimated cost

$53,758

Monthly repayments (6% p.a. interest)

$1,039

TitleMonthly repayments (8% p.a. interest)

$1,090

Monthly repayments (10% p.a. interest)

$1,142

VehicleEstimated costMonthly repayments (6% p.a. interest)TitleMonthly repayments (8% p.a. interest)Monthly repayments (10% p.a. interest)

Mazda 2 (Pure Hatch)

$26,624

$515

$540

$566

Mazda 3 (Pure Hatch)

$34,518

$667

$700

$733

Mazda 6 (Sport Sedan)

$40,512

$783

$821

$861

Mazda CX-3 (Sport)

$29,990

$580

$608

$637

Mazda CX-30 (Pure)

$34,664

$670

$703

$737

Mazda CX-5 (Maxx)

$38,888

$752

$789

$826

Mazda CX-60 (Evolve)

$66,026

$1,276

$1,339

$1,403

Mazda CX-8 (Sport)

$47,405

$916

$961

$1,007

Mazda CX-9 (Sport)

$52,426

$1,014

$1,063

$1,114

Mazda BT-50 (XT Cab Chassis, Dual Cab)

$53,758

$1,039

$1,090

$1,142

Mazda car loan repayment examples are calculated using monthly repayments with a fixed interest rate, a 5-year term, and estimated vehicle costs as at March 2024. Estimated repayments do not include any fees the lender may charge.

How to get the best Mazda finance deal

As mentioned earlier, the interest rate you get on your Mazda is very important. But getting the best deal on a Mazda car loan means considering several factors:

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Ongoing finance rate

Some car finance deals come with an introductory finance rate that reverts to a higher rate. Make sure your Mazda finance has a low rate throughout the term.

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Fees

Some lenders charge an application fee and ongoing fees. These can really add up. But you should be able to find Mazda finance with low or no fees.

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Finance term

Watch out if you’re offered a loan term that’s longer than it needs to be. You’ll have lower regular repayments with a longer term, but the lender will charge you more interest overall.

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Repayment flexibility

Having the ability to make extra repayments without being charged a fee will mean you have the option to pay off the loan early to save on interest.

Eligibility for Mazda finance

To qualify for a Mazda car loan, you’ll need to:

How to apply for Mazda finance

Mazda BT-50 novated lease deal

Here’s what’s involved if you apply for a loan for a new or used Mazda:

  • Compare your personalised Mazda car finance offers

  • Choose your best finance deal

  • Apply online with the lender

  • Upload documents to support your application

  • Wait for your application to be assessed

If approved, you’ll be granted either pre-approval for a car loan up to a certain amount (this is your budget when you go shopping for a Mazda), or final approval if you have already picked out a car.

The interest rate on your finance will be tailored to you, based largely on your credit score.

With some lenders it’s possible to get approval on Mazda finance the same day you apply.

Mazda finance options explained

1

Secured vs unsecured Mazda finance

Financing a Mazda with a secured car loan usually works out cheaper than getting unsecured finance.

This is because the loan will be secured by the Mazda you buy, which reduces risk for the lender. You’ll be able to get a secured car loan for either a new or used Mazda up to 12 years old.

2

Green loans to finance a Mazda

If you’re buying an electric vehicle (Mazda MX-30 Electric) or a plug-in hybrid (Mazda CX-60), you may be eligible for a special finance discount through a green loan.

This is a type of personal loan offered by some lenders specifically for low-emission vehicles and other green purchases. If your Mazda is eligible, financing it this way means you could get a discounted interest rate and lower fees.

3

Mazda car loan vs novated lease

If you are eligible for a novated lease through your employer, this is another option for financing your Mazda with several major benefits.

The vehicle can still be used 100% for personal use, but the finance payments are made from your pre-tax salary by your employer. This brings significant tax savings on Mazda finance compared to a car loan.

You’ll be able to cover the running costs for your Mazda through your salary as well, for extra tax savings. There is also a GST saving on the purchase price of the vehicle and ongoing running costs with a novated lease.

Eligible Mazda EV and plug-in hybrid novated leases are exempt from fringe benefits tax which would mean an additional saving.

4

Mazda finance for business and self-employed borrowers

If you’ll be using your Mazda for business more than 50% of the time, you will have the option to finance it through a business car loan (sometimes referred to as a chattel mortgage). There are tax advantages to using business finance if you’re eligible.

This can also be an option for self-employed borrowers looking for Mazda finance. If the vehicle will be used mainly for personal use, a low doc car loan is another option for self-employed borrowers. It means you can apply without the standard documents (e.g. payslips) that major lenders expect.

5

Mazda dealer finance

Mazda also offers finance directly to customers who buy one of its vehicles. It offers a fixed rate car loan as well as its ‘Mazda Assured’ product which comes with a balloon payment and is designed for people who intend to trade in and replace their Mazda regularly.

With dealer finance, something to watch out for is that it’s often sold to car buyers based on the convenience factor, and not because it represents the best deal available. You may end up paying more for the convenience of taking out finance at the same time as you buy your Mazda.

Shopping for the best finance separately will mean you have access to a wider range of options, and it generally won’t take any longer to be approved.

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FAQS about Mazda finance

If you take out finance on a Mazda, you may have the option to get a car loan with balloon payment. What this means is you’ll pay off a portion of the vehicle in a single lump sum at the end of the finance term. With a standard car loan, you pay off the entire balance gradually.

Having a balloon payment means the regular repayments on your Mazda will be lower, but the overall cost of the finance will be higher.

Interest rates on Mazda finance vary depending on the lender you choose and your circumstances (for example, your credit score plays a big part). To get the lowest rate possible:

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  • Compare as many lenders as possible
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  • Look for a secured car loan
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  • Check if you’re eligible for a novated lease through your employer

It can be possible to get approval on Mazda finance the same day. Exact timings will depend on the lender and how quickly you can provide any requested documents to support your application (bank statements, payslips etc.). In some cases, particularly if the application is complex, it could take longer.

This will depend on the lender you choose. If you get a loan for a Mazda through a major bank, you will generally need to have a ‘good’ credit score (usually above 660). But smaller lenders are generally more flexible and may accept borrowers with an ‘average’ credit score (above 460).

There are also lenders who specialise in offering bad credit car loans. This may be an option for financing a Mazda if you have issues in your credit history.

Money.com.au's Senior Finance Writer, Jared Mullane

Written by

Jared Mullane

Jared Mullane is a finance writer with more than seven years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, personal finance and insurance.

Sean Callery Editor Money.com.au

Reviewed by

Sean Callery

Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.

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