Geely STARRAY EM-i, EX2 & EX5 0.09% p.a Comparison Rate 36-Month Finance Offer @ Geely

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Geely STARRAY EM-i, EX2 & EX5 0.09% p.a Comparison Rate 36-Month Finance Offer @ Geely
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Heybargain on 01/10/2026 - 08:22 geely.com.au (3071 clicks)
Last edited 01/10/2026 - 08:23

Geely STARRAY EM-i, EX2 & EX5

0.09% P.A COMPARISON RATE
$0 deposit requirement for a 36-Month Term.

Keep in mind that there is a loan establishment fee, reported to be around $1500.

Offer ends 31 October 2026. Terms & Conditions Apply.

The comparison rate is based on a secured consumer fixed-rate loan of $30,000 over a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit criteria, fees, charges and terms and conditions apply. The comparison rate excludes government charges, and a dealer origination fee which is charged by your dealer and could be up to $1,495 (GST inclusive). Contact your dealer for details. Available on all Geely EX5, Geely EX2 and STARRAY EM-i new stock vehicles. Finance to approved applicants only (excluding government, fleet and rental buyers). Finance applications must be approved by 31 October 2026 and settled by 13 November 2026. No minimum deposit required. Balloons are not eligible under this campaign. A 36-month term only applies. Finance provided by Allied Retail Finance Pty Ltd trading as Geely Finance ABN 31 609 859 985 Australian Credit Licence 483211.

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  • Edsanwong on 01/10/2026 - 08:54

    Compare to novated lease, is this offer comparable benefit and simpler?

    • 1
    • Allan on 01/10/2026 - 09:07

      It is a loan - so you pay loan repayments + fees + rego + maintenance, etc with after tax money. You own the car at the end of the loan

      Novated lease - you pay rego + maintenance + repayments (seems like interest rates are around 8-10% depending on NL provider) from your pretax money (ex GST). You don't own the car unless you pay the residual (~30-50% of car value, depending on how many years lease)

      Will need to do the numbers to see what makes sense for you - in saying that 0.09% seems like they are giving the cars away, need to examine the fees to see what's the "catch"

      • 12
        • Windows98 on 01/10/2026 - 09:52

          This is a catch for the consumer how?

          And how are you spinning a company who is in a emissions deficit being a bad thing?

          • 10
          • ffagz on 01/10/2026 - 10:46

            @Windows98: Who said it’s bad thing for consumers.

            • 0
        • Eeples on 01/10/2026 - 10:00

          How are purchasers using this loan to purchase BYD cars caught by BYD earning or selling its excess emission credits?

          • 0
        • tunzafun001 on 01/10/2026 - 11:57

          I was surprised to see Jaecoo cars are double the cost in the UK

          Basically our dollar price is their GBP price..and a few thousand on top.

          • 0
        • netjock on 01/10/2026 - 13:02

          The catch is the cars are half the price in China

          That is why good things come to those that wait.

          BYD dropping Atto 1 to $20k and faux PHEV Atto 2 to record lows is just the beginning.

          Don't forget there is so many EV manufacturers in China profit margins in China are record lows. They are also running out of affluent domestic consumers. China is flooding EU and anywhere they can with EVs (also why the US has banned them).

          I'd suspect after the new year there will be more deals.

          Remember Jaecoo J5 EV $36,990 is limited time only. That is the price. I wouldn't be surprised if it goes a bit lower. Because our car market is going to get flooded too and if they don't try to sell volume they become sub economic like the European brands who sell like 1000 cars a year can't survive. Look at GWM Ora. If you can't sell at least 10k units a year you are gone. It isn't about units, you're not getting enough units in hands of end consumer for word of mouth to get out and drive more buyers.

          • 3
    • colaman on 01/10/2026 - 09:35

      For the pure EVs go NL, Hybrid will depend on your circumstances. EVs will come from all your pretax salary where as any other car will have proportion before and after salary tax depending on your circumstances. Don't forget that it's all pre GST too the part that gets taken out before tax with NL and that is all your running costs too. It will come down to the deal you get through NL and direct with the dealer for non pure EV. There are a lot of factors.

      • 1
  • Allan on 01/10/2026 - 09:01

    Balloons are not eligible under this campaign. My kids will be sad :(

    • 5
    • Kanjus on 01/10/2026 - 09:43

      Ok JV

      • 4
  • Dontbuy on 01/10/2026 - 09:01

    And there will be $13/mths repayment fee.

    • -4
    • djkelly69 on 01/10/2026 - 09:10

      Isn't the whole point of a comparison rate that it is supposed to be able to be used to compare apples with apples (ie. loans with loans inclusive of interest rates, fees, etc)?

      • 1
    • ffagz on 01/10/2026 - 09:12

      Always the fine print.

      • 0
    • melboy on 01/10/2026 - 09:31

      There wasn't any account fees for the last month 0.88% offer

      • 2
    • letmethefuqin on 01/10/2026 - 10:44

      There is no monthly fees.
      Source - have this offer

      • 3
    • Crono on 01/10/2026 - 14:14

      Only a ~$1500 "establishment" fee and an early exit fee, no monthly fees.

      • 2
  • ffagz on 01/10/2026 - 09:07

    Bought back (FWD Starray EMI) in February at a much higher rate (0.88%), with fewer features. The car itself is great. My only gripe is the constant promotions that make a one-month-old purchase look like a bad deal.

    Chinese brands have basically turned cars into mobile phones: loaded with features and priced well below the legacy brands. The big unknowns are durability and resale value. They make a lot of sense if you treat them like a subscription, where you don't count on any residual value.

    I think the whole Aussie car market is in for a shake-up. In my view, there are three reasons Chinese makers can price so aggressively:

    1. The same cars sell for about half the price in China.
    2. Australia's emissions standard earns them green credits, which they can sell to other brands that fall short of their targets.
    3. They're buying market share now and worrying about profit later.
    • 7
    • phaol7ta on 01/10/2026 - 09:13

      same here. but to be honest, I am still grateful for the 0.88%. I easily save around 6-7K by putting that money in my offset account (especially after the rate hike)

      • 3
      • placard on 01/10/2026 - 09:19

        Depreciation is still an unknown, although it's improving for EVs and in the long term ICE vehicles depreciate faster if fuel stays expensive or goes even higher.

        The cheapest car is the one you currently own, so if you don't actually NEED a new car, then it's cheaper to keep the one you have - even if it's say 12 years old, if it's reliable and you're spending less than $1k per year on maintenance, still cheaper than depreciation on a new car. But each use case is different, if you do a lot of driving, fuel is a sizable cost, so changing to an EV may then heavily reduce running costs which help cushion depreciation.

        • 1
      • letmethefuqin on 01/10/2026 - 10:53

        This! I’ve had to explain this to soo many people in geely groups - stick your money in the offset and take the cheaper rate

        • 0
    • StorminNorman on 01/10/2026 - 09:27

      parts.

      the insurance costs on these things could be massive. knock a mirror off and it can cost $15,000 to fix it with the lack of parts available.

      • -5
      • mrhugo on 01/10/2026 - 09:36

        The only way I can make this work in my head is you buy another car, remove said mirror and then sell the car for a 15K discount.

        "For Sale: Brand new, delivery K's, missing side mirror"

        • 3
      • Aureus on 01/10/2026 - 10:02

        Hyperbole Olympics.

        • 4
      • Eeples on 01/10/2026 - 10:03

        What?

        • 0
      • letmethefuqin on 01/10/2026 - 10:56

        This was my original concern.
        But considering in the last month they amount of geelys I have driven past I’m
        No longer worrying

        I live in suburbia and a 15 min round trip to the shops I will drive past 3 min very time on the road at the lights etc. that amount on the road gives me peace of mind that there is going to be a bunch of parts in Australia soon enough.

        • 1
        • StorminNorman on 01/10/2026 - 11:38

          hope so. or we will all be paying a lot more for insurance.

          • 0
          • letmethefuqin on 01/10/2026 - 12:12

            @StorminNorman: Don’t forget that geely owns a monster amount of (or a percentage of) other brands
            Such as polestar zeeker smart car Volvo etc

            In fact the door handles in the ex5 are from a polestar alone

            • 0
      • tunzafun001 on 01/10/2026 - 12:01

        Are you sure.

        They almost all use the same parts. Ie, every Chinese EV has the same gear lever and center console.

        Then there is a myriad of customisation parts on Ali Express/ Temu.

        Ie.a new grill (fits Jaecoo and Omoda cars is $400).

        • 0
    • Crono on 01/10/2026 - 14:17

      I wouldn't call 0.88% a much higher rate overall. 0.88% is still exceptional compared to other finance rates.

      • 0
      • ffagz on 01/10/2026 - 17:40

        True, I actually opted for a 2.88% for 5 Years, under 3% is way cheaper than using other finance sources

        • 1
  • colaman on 01/10/2026 - 09:37

    Not sure how they can have a comparison rate over 5 years when you can only have the loan for 3 years. Makes no sense.

    • -1
    • Brick Tamland on 01/10/2026 - 09:43

      Thats how comparison rates work. It tries to compare with the typical loan which is usually 5 years

      • 2
  • Windows98 on 01/10/2026 - 09:54

    The short answer for anyone wondering. If you have access to an novated lease. The NL is much better due to not paying GST, tax reduction and FBT exemption.

    This is aimed at anyone who doesn't have access to a NL

    • 0
    • Eeples on 01/10/2026 - 10:05

      I’ve never understood how NL makes sense with EVs in which you claim very little for fuel.

      • 1
      • Windows98 on 01/10/2026 - 10:10

        The tax saving comes from paying for the car itself (~$7000/year finance) plus insurance (~$2000/year) and registration ($950/year) also tyres and servicing , entirely out of pre-tax gross salary.

        And unlike an ICE novated lease. There's no FBT at tax time which is the biggest winner for NL policies with EV currently.

        • 0
        • tunzafun001 on 01/10/2026 - 12:05

          Is there a hybrid strategy here somewhere? As second hand cars can also be put on a NL.

          Ie. 3 years at 0.09, depreciate nothing. Then the next 4 on NL (so still get the GST, depreciation, major service and Fbt exemption)?

          • 0
      • keejoonc on 01/10/2026 - 14:02

        NL isn't about how much you save on fuel costs….

        • 0
  • kuls on 01/10/2026 - 10:05

    They also have 6% off vehicle price for Novated Lease. I got a quote from SGfleet few days ago, will ask for an updated one with this offer.

    • 1
    • Megatron on 01/10/2026 - 10:12

      Can you let me know what interest rate SGF is able to offer on this car please?

      • 0
      • Brainwhacker on 01/10/2026 - 10:27

        Keen as well , thnx

        • 0
        • kuls on 01/10/2026 - 15:08

          @Brainwhacker @Megatron 10.16% for a 3yrs lease. I've asked for a better rate and updated quote with the 6% off offer. Will report back once I hear from them.

          • 3
        • kuls on 06/10/2026 - 12:26

          @Brainwhacker @Megatron interest rate is still the same, but they did apply the 6% off vehicle price.

          • 0
          • Megatron on 06/10/2026 - 12:40

            @kuls: Yeah ok.. so that is how they want both customers, one going via NL and the other buying directly.. NL gets 6% discount and buying direct a near interest free loan. Bloody scammers lol

            • 0
  • fruxo on 01/10/2026 - 10:07

    Can anyone confirm the exact fees for these geely loans?

    The conditions mention an "up to" $1500 origination fee, which I assume is always $1500 and not really up to? And then Google also suggests a $600 establishment fee and a monthly fee ($13 ish), but I'm not sure if they are applicable.

    • 0
    • letmethefuqin on 01/10/2026 - 10:47

      Geely finance is pretty straight forward
      Find the car , haggle a little bit in price (don’t let the try and sweeten the deal with car mats, they are months wait and are trash)

      Out a deposit (refundable)
      Take the finance offer for x years
      Pay a $1500 establishment fee which is rolled into the finance which makes this offer more like 2% all up

      • 0
      • fruxo on 01/10/2026 - 12:12

        So the other fees that reddit mentions, such as the $600 establishment fee, is incorrect (or no longer applicable)?

        Edit: to clarify, the $1500 is an origination fee. Reddit suggests there is also an establishment fee.

        • 0
        • Crono on 01/10/2026 - 14:21

          There is no extra $600 establishment fee, it's just the initial $1500 origination fee(or establishment fee if you want to call it that). Have heard some people were able to negotiate that fee.

          • 1
  • GateheaD on 01/10/2026 - 10:16

    Any reason i shouldn't buy a STARRAY EM-i if I plan to crush it into a cube after 8-10 years and recycle it. resale value is mostly the negatives i hear about them

    • 0
    • letmethefuqin on 01/10/2026 - 10:50

      All china cars are designed for a short life span
      Re sale will be low because the market is flooded with them. They car is good bang for buck
      But it comes with its quirks
      The software can be clicky and the app is pretty crap
      People say they have a hard time contacting Geely via phone .
      But honestly why are they contacting Geely and not the dealership

      When you buy a house able from having vey normal and have an issue you contact has vey Norman you don’t contact the factory that made it …

      • 0
    • colaman on 01/10/2026 - 10:51

      Depends how the market moves over that time. I think the fact that they warrant the batteries for 8 years would be the major factor especially if they all start to fail or not hold a reasonable charge after that time is mostly the reason why talk about resale value plummeting.

      • 0
    • bigbadwolf21 on 01/10/2026 - 11:25

      Having to still buy petrol and service an ICE engine is the main reason not to. Buy the EX5 instead.
      Have had one for 5 months. Done 8000km on ours in the Hunter Valley with road trips. No regrets.

      Resale value on all 10 year old card is terrible tbh, we generally dont buy cars worrying about its value in 10 years.

      • 0
    • mwahahaha on 01/10/2026 - 13:37

      Chinese ICE engines have had mixed reviews. There's no real data to say how well the Geelys are fairing because they're a brand new brand.

      Many of the chinese brands struggle with inconsistent dealership experience and long waits for parts. This can effect both EV and ICE drivetrains but with EVs there's few parts and generally less that can go wrong.

      But resale is often affected by the deflation of the retail price as the Chinese brands keep chopping the price of new cars you really need to convince people to buy a used one (* I would imagine).

      Also if you can get a Novated lease and are happy to go Chinese it'd be worthwhile looking into an EV because the price difference is so great. You can see the difference https://www.tfmnovated.com.au/calculator just switch between electric and anything else (PHEV is not considered "Electric")

      • 0
    • ffagz on 01/10/2026 - 17:42

      If you do not need a car, if you worry about resale, if you worry about service and support/reliability, if you do not want to be cool :)
      I own one, and I think it's a good car - for the money.

      • 0
  • Snoopy113 on 01/10/2026 - 10:35

    Honestly, the fact that this comparison rate excludes the dealer origination fee is hugely misleading. The entire point of the comparison rate is to be able to look at what the real rate is once you include fees. Once you throw in the Establishment fee, the real comparison rate goes to something more like 1.1%~

    • 5
  • coffeefootball on 01/10/2026 - 10:58

    I don't know, but shouldn't any lenders quote in the way of "0.09% p.a Comparison", that consumer law requires all fees to be already included?

    • 3
    • boretentsu on 01/10/2026 - 11:42

      How did they arrive at a comparison rate of 0.09% with a upto $1500 establishment fee and $13pm fee?

      • 1
      • tunzafun001 on 01/10/2026 - 12:06

        I was told there is no establishment fee for the 0.09 product.

        • 0
        • letmethefuqin on 01/10/2026 - 12:14

          There is ALWAYS an establishment fee.
          This is how the dealer gets their cut.
          Who ever told you this is straight out lying.

          • 0
      • letmethefuqin on 01/10/2026 - 12:15

        There is no $13pm with geely finance

        • 0
  • ozisaver on 01/10/2026 - 12:58

    Don’t get the current EX5. The hugely superior RWD version has been launched in china.

    • 2
    • Lord Ra on 01/10/2026 - 14:35

      That's exciting!
      What's new? Do you have a reliable source that I can access?
      I'm looking at an EV in April 2026. So doing my diligence now.

      • 0
      • Droz on 01/10/2026 - 16:29

        You missed April 2026 by six months

        • 3
        • Lord Ra on 02/10/2026 - 01:21

          Lol yes, meant 2027!

          • 0
    • fruxo on 01/10/2026 - 18:22

      I was told by geely sales person that it would not arrive in Australia for another 2 years. I'm very skeptical about his honesty as that makes no sense to me, but just FYI.

      • 1
      • xyron on 01/10/2026 - 20:47

        Of course a Geely salesperson is going to bullshit you. They want a sale now, they don't want you waiting for the vastly superior updated model. I reckon it'll be here in the next 12 months. Competition is white hot in this mid size electric SUV space at the moment.

        • 2
  • PvsNP on 01/10/2026 - 16:02

    Peeps who got this offer, what are the monthly repayments?

    • 0
    • jellybox on 01/10/2026 - 23:35

      1299.34 for last year's ex5 inspire

      • 2
      • Lord Ra on 02/10/2026 - 01:22

        So $46,800 over three years? Not bad!

        • 2
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