Money reveals this year’s Best-Value Personal Loans (Cars)

Personal car loans can help you get into that set of wheels sooner, and at a cheaper rate than a credit card or regular personal loan.

Products were ranked by their comparison rate for a $30,000 unsecured loan over five years.

The non-bank category was taken out by Credit Union SA's Education Community online-only special fixed rate personal loan, with its comparison rate of 4.86%pa - the lowest of all three categories.

It is also free of both upfront and monthly fees, with added free features such as a redraw facility.

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