November 3, 2017  by

Low Interest Car Loans

Car-Loans.net.au is one of Australia’s leading car finance brokers. Each and every day we help clients secure low interest car loans. Apply today or call us.

While many are not willing to spend their life savings and pay for a new or used car outright, the good news is that it’s a lot easier to now find low interest car loans with regular repayments that won’t overstretch you financially.

Apply For A Low Interest Car Loan Online

Our online application takes the hassle out of securing your car loan and application paperwork.

By providing all the necessary documents including your employment history and current savings snapshot from the outset we can determine your financial profile – and ultimately source the most competitive car finance options for you, including low interest car loan.

How To Get A Low Interest Car Loan

First time applying for a car loan? We’ve outlined a range of factors that may influence whether you can secure a low interest car loan.

Here are some of the things that lenders or financial institutions might consider:

The Down Payment (Your Deposit)

Basically, the down payment or the upfront payment is the amount of money that you are willing to pay at the outset to take possession of the car. It has the power to reduce the major amount of your car loan or the amount of money that you need to borrow.

For instance, if you have a car that costs $20,000 and you are willing to cover the upfront deposit of $5,000; your principal loan will be $15,000. In terms of the down payment, bigger is always better as it means you’ll pay less interest over time, but it can also help you negotiate low interest car loans. For the new cars, you might want to cover at least 10% as a down payment, while for a used car 20% is a good starting point.

The Terms of the Loan

Loan term states the length of time that you have to pay back the lender. A regular loan term can extend from 1 year up to 5 years. However, it is still possible to find low interest car loans that have longer or shorter terms. Those who choose to spread their loan over a longer period can expect to have a lower repayment.

The Type of Vehicle

The principal loan is generally lower to those who choose a used car. However, it is still possible for you to acquire low interest car loans when you are looking for new cars. This is due to the fact that most lenders will find it hard to resell the used car if you fail to repay your loan.

Your Credit History

People with better credit history will also get better deals on car loans – including lower interest rates because you have a stronger financial history and track record repaying other loans or bills.

Getting pre-approved with the lender is important before you push ahead with your car shopping. This will make the entire process less stressful especially for the people who hate to negotiate. Having low interest car loans will help you get a better deal on your cars. This is simply because you have a bargaining chip.

Car-Loans offer competitive rates to their clients. Time and time again we see clients able to secure favourable finance rates through us compared to the loans offered by the banks and other financial institutions.

Apply Online Now, or call us on 1300 256 267 to speak to our friendly team.

 

Car-Loans.net.au is proudly brought to you by Aussie Loans.

We take the stress and hassle out of securing a car loan. Speak to one of our friendly team today about finding car finance rates to suit your personal circumstances. We have access to more than 20 different lending products from major banks to financial institutions which means we can pinpoint the best car loan based on your needs and situation. 

Apply online today or contact us! 

in Blog / Car Finance / Car Loan How-To 0 comments
October 20, 2017  by

Fast Approval Car Finance

Do you need to fast approval car finance? Car-Loans.net.au has the solution.

How to Get Car Finance Quickly in Australia

A car is a very important asset especially when you need to commute to work every morning, or you want to expand your business clientele. For many, it’s not just a desired object it is necessity because it enables them to get around quickly without relying on public transport or forking out for paying for a taxi or Uber. Moreover, many business owners rely on their work vehicle to earn extra income and build their business.

So how do you buy a car without the financial strain?

For the average Australia, it’s almost impossible to live without access to a car. And getting a car finance loan in Australia is the easiest and most convenient way of buying a car.

The good news is you don’t have to raise the entire amount required to buy a car, and therefore, many Australians will prefer opting for a car finance loan. The biggest hurdle is making sure you qualify for car financing from financial institutions. This is because not just everyone will be considered for a loan.

Here are some of the tips you need to know so as to ensure you can get fast approval car finance.

Clear All Your Debts and Prove You Can Save

Before lending car finance, most lenders will check your debt history. To make sure you qualify for car finance, you have to show a positive debt history by repaying loans or outstanding debts when they are due. By demonstrating this you have a better chance of getting fast approval car finance.

Ideally, you will also be able to prove that you can save some money. It is important to have a bank balance, and if possible, a fixed deposit or savings account. While this is not always mandatory, it can help increase your ability to qualify for your desired car loan – and help expedite your finance application.

Consider Getting a Security Guarantor

For quick car finance, you can decide to offer a guarantor for the loan. A guarantor is someone else who will take responsibility for repaying the loan if you cannot do this on your own. If the guarantor has a positive loan history you are more likely to be in a better chance to get financing quickly.

Car Finance Within 24 Hours

Need car finance quickly? Car-Loans.net.au have a track record of securing competitive finance rates based on your personal circumstances in as little as 24 hours, subject to you providing all the necessary paperwork to apply for and secure the loan.

 

Apply Online Now, or call us on 1300 256 267 to speak to our friendly team.

 

Car-Loans.net.au is proudly brought to you by Aussie Loans.

We take the stress and hassle out of securing a car loan. Speak to one of our friendly team today about finding car finance rates to suit your personal circumstances. We have access to more than 20 different lending products from major banks to financial institutions which means we can pinpoint the best car loan based on your needs and situation. 

Apply online today or contact us! 

in Car Finance / Car Loan How-To 0 comments
October 20, 2017  by

Pre-Approved Car Finance

At Car-Loans.net.au, we have helped thousands of Aussies access pre-approved car finance. You can start your application online now, or contact one of our brokers to initiate the process of finding great value car finance that’s right for you.

If you don’t know what pre-approved car finance is; no problem read on for quick answers. This finance is convenient and has several advantages over the traditional process.

How Pre-Approved Finance Works

In a typical car application process: First, you shop for a car and source for a loan later. During pre-approval it’s the opposite, you secure a loan and then shop for the vehicle. The process follows these steps:

Step 1: Collate Documents & Apply Online

We require copies of your payslip, income statements, assets, and proof of work history among others. You need to prove that you can pay back the loan. Our online application prompts you to supply all the relevant information we need for your pre-approved car finance. It also enables our brokers to compile your lending profile and determine which type of loan will be best for your personal circumstances.

Start your online application here.

Step 2: Our Broker Will Contact You (or you can call us!)

Once you’ve applied online, our consultants will steer you in the right direction by finding the most competitive rates. They come up with a list of potential lenders and recommend the best loan product based on your personal situation.

Step 3: Conditional Approval

After applying for the loan, you are given conditional approval. That means the lender specifies the maximum amount you can borrow. Some lenders also have conditions on the model of the car.

Step 4: Shopping for the Car

Finally, knowing the maximum loan amount you have been pre-approved for gives you the ability to proceed with the purchase of a car the same day you find it.

Simply find the car that fits the amount of funding approved by the lender, get a tax invoice from the vendor (private sales) or dealership  .

Benefits of Pre-Approved Car Finance

Before the start of the buying process, you already know how much you have available to spend. This not only boosts your confidence but your ability to quickly secure your desired car. Note that pre-approved loans have a limited duration before they expire.

Why Use Pre-Approved Car Finance

Pre-approved loans will smooth the buying process.

If two people wish to purchase the same vehicle, the individual with pre-approved finance is the candidate most likely to secure the car as they don’t need to wait 24-48 hours to secure finance – they are a more attractive buyer to the seller.

It’s likely you will have less pressure (or reliance on finance available directly through the dealer), but more importantly you could potentially avoid high-interest rates because Aussie Loans have access to competitively priced car loans due to our buying power.

Discover your lender options by speaking with one of our brokers. We ensure that you receive the best competitive rates based on your personal situation.

Apply Online Now, submit an online enquiry here or call us on 1300 256 267 to speak to our friendly team.

 

Car-Loans.net.au is proudly brought to you by Aussie Loans.

We take the stress and hassle out of securing a car loan. Speak to one of our friendly team today about finding car finance rates to suit your personal circumstances. We have access to more than 20 different lending products from major banks to financial institutions which means we can pinpoint the best car loan based on your needs and situation. 

Apply online today or contact us! 

in Blog / Car Finance / Pre-Approved Finance 0 comments
October 18, 2017  by

What Do I Need to Apply For Car Finance?

Wondering what you need to apply for car finance from Car-Loans.net.au?

Car Finance Application

Getting car finance at Car-Loans.net.au is a simple process thanks to our easy online application. Lenders will check your documentation and some other aspects before they can approve you for a loan. For example, they will check your credit history, your savings culture and also they will check your income status. If you are employed, you have to provide a number of details relating to your employment, similarly if you own your own business, you will need to illustrate your ability to repay the loan.

To help streamline the process with our finance brokers, you will be required to produce some documentation and important information that is used to determine the best type of loan and loan repayments that won’t overstretch you to ensure you have the ability to repay the loan offered. It is important that you provide all the documents.

So What Do I Need to Apply for Car Finance?

Here is some of the information you need to provide to get car finance. You can also complete our online application form here and you’ll be prompted for all the necessary documentation for your car finance application.

Proof of Income through Pay Slips and Financial Statements

First, you have to prove that you have an income that you can use to service (or repay) the car finance after getting the loan. This is done by producing a payslip if you are in employment. This is at least one months’ pay slip that provides information that you are earning income from your employer. The amount you are earning should show enough proof that you will be able to afford the repayments as determined with your Aussie Loans/Car-Loans.net.au Finance Broker.

Proof of Work Continuity and History

You also need a document showing how long you have been working. With Aussie Loan, you will qualify for a loan even if you have been working for just a month. However, you are required to show that you have a work history so as to prove that you can repay the loans comfortably.

Assets Record

This is important for businesses applicants where you have to show how much you are worthy to determine your eligibility for the car finance you are asking for. Therefore, you need to make sure that you have a good list of assets that can make you qualify for car finance. This is very much important because if the asset base is strong, then you will qualify for a loan quickly. You can decide to secure the car finance through one of the assets if it has a good value that can secure the car finance you are getting.

Getting car finance with Aussie Loans is easy and you don’t have to wait for long to get the car finance either! At Aussie Loans, we identify the most suitable lender based on your personal circumstances and can typically get car finance approval within 24 hours.

Apply Online Now, or call us on 1300 256 267 to speak to our friendly team.

 

Car-Loans.net.au is proudly brought to you by Aussie Loans.

We take the stress and hassle out of securing a car loan. Speak to one of our friendly team today about finding car finance rates to suit your personal circumstances. We have access to more than 20 different lending products from major banks to financial institutions which means we can pinpoint the best loan based on your needs. 

Apply online today or contact us! 

in Car Loan How-To / Testimonial / Uncategorized 0 comments
January 17, 2013  by

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