Car Finance and Car Loans

Now that your car loan has been approved, it’s now time to head off into the new car dealerships and secure your best new car price.

If you dreading the haggling that often comes with a new car purchase, here are some ideas on car buying services that look to relieve you of the negotiating dirty work and save you thousands in the process.

Many of these new car buying services can be found online are often just a mouse click away. Some will charge an upfront fee and others will receive a marketing allowance from the dealer because they often do not pay sales commissions when vehicles are purchased directly.

Car-buying services work by negotiating a price with the dealer that’s close to invoice price, which is the amount the car manufacturer charges the dealer.

Once the lowest price has been secured, the buyer is then asked to sign an authority to order or a sales purchase agreement and delivery is then arranged based upon the customers needs.

So if you are considering buying a new car, why not try a car buying service and make the shopping experience less of a hassle. Your choice of car loan can negate all of the hard work spent on securing the best new car price, so we recommend that you choose a car loan with no early termination fees or retained interest.

To speak with one of our car finance consultants, please call 1300 887 967 to arrange your car finance pre-approval today.

If you are buying a new car, used car or considering car re-financing your existing car finance or searching for the best car loan, it pays to have your motor finance pre-approval before you go car hunting. Once you have arranged your car finance pre-approval, you know exactly how much you can afford to spend – and can concentrate all of your energies on finding the right car at the right price.

Great car loan rates – so you never pay more than you need.

No Application Fees, Monthly Fees or Early Payout Penalties – so you retain the flexibility to payout your car finance when ever your circumstances change.

Fixed monthly repayments – which make budgeting much easier, as your car loan repayments won’t change over the life of your loan.

Flexible repayment terms – with loan terms from 3 to 5 years you can choose whether you want to repay your car loan sooner or make lower repayments by taking a longer term.

If you would like to discuss your car loan needs or arrange your obligation free car loan quote, please contact our finance professionals by calling 1300 887 967 or submit your online quote request.

There are a number of ways for those seeking out a used car to ensure you get a great car bargain and motor vehicle finance.

In the current used car market, drivers with car loans are set to benefit from a depressed used car market as car sales continue to slow. The best car finance opportunities are beginning to emerge from this depressed market.

The modern pre-owned market is much better than it has been in the past and very often the quality of vehicles on offer is much high with greater fuel efficiencies and safety options available.

Clever car loan customers should also be able to avoid losing money by being more selective and choosing a vehicle that will not depreciate as quickly as others in the marketplace.

Car loans customers making their first used purchase face a “milestone” in their lives and should choose wisely to ensure that the get the best car finance available to them from the personal car loan and car leasing market.

If you payout your car loan early, our cheap car finance products can save you money.

Methods for calculating early payout loan balances can often vary by thousands of dollars.

Most financiers structure their car loans so that payments cover mainly interest for the first one or two years of the loan term so that payments have little or no effect on reducing the actual loan balance during this period.

If you choose to terminate your loan earlier than expected, the financial risk may be the sale price is less than the loan payout figure because the car’s value will have dropped faster than the amount owing, this is particularly true when you arrange new car finance.

No longer do you need to be subjected to the outdated Rule of 78 as prescribed by the banks and other leading financial institutions. We offer preferential treatment on early payout which could save you money if you decide to upgrade your car or payout your loan prior to maturity.

We will offer to waive 100% of the remaining interest charges which can often reduce your car loan payout figure and save you thousands.

Before accepting an offer of car finance from anyone else - even if they claim to offer a ‘penalty free early payout’ - you should firstly find out if the Rule of 78 is involved and ask to see a copy of your loan payout schedule which will confirm your car loan payout figure at monthly intervals.

Our car loan products are widely regarded as the best car finance and best car loans available in Australia.