November 20, 2017  by

How to Apply For Car Finance

Here’s our guide on how to apply for car finance.

Car-Loans.net.au makes the process of applying car finance straightforward, more convenient, and trouble-free while giving you access to some of the best car loans available in the country.

Our primary goal is to help you get behind the wheel and back on the road sooner. Our services will not only exceed your expectations, but this blog post will explain how to apply for car finance.

Here’s what you need to know about applying for car finance:

Types of Car Loans

Not all loans are equal; they fall into two broad categories:

  • Consumer: These are governed under NCCP and borrowers must prove that they can pay back the loan.
  • Commercial: For businesses, available loans include lease, rent to buy and chattel mortgage options.

We offer both consumer and commercial car loans.

Car Finance Application Tips

Have Your Loan Application Documents Ready

Preparedness is an important factor when applying for a car loan. You will need to:

  • Ideally have a credit score that is above average (although you can still speak to us if you have bad credit history and require a car loan)
  • Provide documents to support your claim
  • Have your pay slip or other financial records including Centrelink incomes statements ready to submit

Self-Employed Car Finance Criteria

For self-employed citizens, creditors typically require proof of continuous income. This typically includes Notices of Assessments, income tax returns and bank account transactions. If you have little or no income, applying for the loan usually requires you to use your personal assets as security. A guarantor can also support you.

Car Finance Brokers

Most car owners commit the worst mistake ever when sourcing for finance – they approach financiers directly.

If you want more competitive or lower interest rates, speak to our experienced team of car finance brokers or Apply Online Now.

Thanks to our buying power each month – and reputation – we can provide lower rates than those offered directly to an individual.

Low Interest Car Loans

Here’s the steps to access a competitive car loan rate:

Step 1: Apply Online

We will ask questions about the car you want or the desired car loan amount. Expect questions around your past financial history. Details of your assets, liabilities, and previous lending history helps our experts to market you to lenders. You can also consider loan pre-approval at this stage.

Step 2: Speak To Our Brokers

When you apply online one of our Car-Loans.net.au brokers will call you to discuss and finalise your application.

By providing all the necessary documentation in the online application we can help get your car loan approved in as little as 24 hours.

Step 3: Get Approved For A Car Loan

After we identify the best lender for your circumstances you’ll know precisely the amount you can borrow.  We’ll certify the interest rates, fees, and others extra charges associated with the finance and provide you with a clear outline of the repayment plan and terms.

Why Choose Car-Loans.net.au?

Are you looking for the competitive car loan rates? Whether it is commercial or personal car loans, we pride ourselves on delivering value for money finance options. Thanks to our enviable network of lenders, our clients can get access to the best loan products, including from financial institutions you may not have heard of but can offer very competitive car finance rates.

 

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! 

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November 20, 2017  by

Car Finance Bad Credit

Need car finance bad credit? You’ve come to the right place.

Are you in a difficult situation where the big banks have turned down your car loan application?

Have you spoken to mates who are in the same situation and have struggled to get car finance?

Do you have a poor credit history with defaults or outstanding loans?

 

The good news is, we have options for everyone. If you don’t have a credit score, have defaulted on loans or filed for bankruptcy in the past, depending on your personal circumstances it’s highly likely you can still access competitive rates from certain car finance bad credit lenders through car-loans.net.au.

 

 

 

Why Choose Car-Loans.net.au?

Powered by Aussie Loans, you can expect good old fashioned service from Car-Loans.net.au. Our team of experienced car finance brokers take the hassle out of securing your next vehicle loan.

While financial institutions may view your credit history as a high risk, we can work with you and find car loan terms and a repayment plan that will suit your situation. And we know which lenders are better positioned to help those with a poor credit history.

Tips to Improve Your Credit History For A Car Loan

Repairing and fixing a damaged credit score takes anywhere from 5-7 years. That is the period a previous default clears from your credit history.

However, there are a couple of ways you can secure a car loan sooner rather than later, and also help you to lock in lower interest rates.

  1. If you currently owe any debts, have a clear plan to repay them and follow this through. Enter into a formalised agreement with creditors to pay off the debt over time. Current and future financiers will deem you responsible and trust you by offering lower rates.

 

  1. When borrowing, keep the amount low. If you have any credit lines you don’t use close them; and lower the credit limit on existing credit lines. However, ensure to make repayments on time and don’t max your credit cards.

 

  1. Check the details. Sometimes a bad credit report results from an error in your report. A slight mistake like a misspelt name may affect the score.

 

  1. Project stability and confidence in your financial track record. Sick of getting rejected for loans. You need to demonstrate that you are reliable, so pay off all loans no matter the amount.

 

Apply Now for Car Finance Bad Credit

Unlock convenient, trouble-free, financial products by speaking to one of our bad credit car loan finance brokers.

We have a far-reaching network of lenders meaning we can find the loan to get you back behind the wheel. We strive to find the best competitive rates for every client based on their situation and budget. Don’t stress if you have a bad credit history and need a car loan – talk to us about how to get back on the road sooner.

Apply online here or call 1300 256 267.

 

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! 

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November 3, 2017  by

First Car Finance

How exciting – you’re getting ready to buy your first car.

Car-Loans.net.au specialise in first car finance and can help you from start to finish.

Why Choose Car-Loans.net.au for First Car Finance?

Here are 3 reasons you should consider getting your first car finance through Car-Loans.net.au.

1. A car finance expert (one of our experienced brokers) will help you through the whole process

2. Simple online application with easy to follow steps. Forget all the complex paperwork and confusing terminology traditionally associated with a loan application. Yes, you still need to prove your ability to repay the loan – and provide the documentation to support this – but we just cut the confusing jargon out.

3. We work to get you – the client – the best deal.  Essentially we act as an advocate for the person wanting to purchase the car and secure the loan. We shop around to get you the most competitive car loan repayments based on your personal situation.

Overcoming Your Biggest Challenge – Lack of Credit History

It might come as a shock, but many young Australians can to struggle to get first car finance approved because they don’t have a sufficient credit history to back up their loan application.

It’s not impossible to get approved, it can sometimes just be trickier – especially if your trying to navigate it on your own and haven’t done it before.

How to Get First Car Finance

If you are purchasing a vehicle for the first time, chances are that you will not be a very attractive debtor for banks. So, you might not get your loan approved easily if you apply for directly with a bank.

But, that’s where we come in. You can apply online for finance through our website or simply call us. After few questions about your financial history, assets, and liabilities, we’ll compile your financial profile and speak to our network of lenders to find the most suitable first car loan for you. Following approval, we’ll be able to get your loan application processed quickly, often within just 24 – 48 hours.

The Right Documents Take You One Step Closer

The reality is that it is not always easy to find out a good loan provider who will grant you approval within a span of 24 hours – especially if it’s your first loan application. We take pride in facilitating this task and have catered to many first-time buyers in the past.

But it’s also important that you play your part as a customer in a responsible manner. That is to say, you must be organised with the required documents to apply for first time car finance. If you are able to prove that you can afford the loan, you are very close to purchasing your first car.

Don’t get bogged down in paperwork. Apply only today with Car-loans.net.au and we’ll help you get behind the wheel of your first car sooner! 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! 

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November 3, 2017  by

Best Car Finance Brisbane

Are you seeking the best car finance Brisbane?

We can help find the most competitive car loan based on your personal circumstances.

Apply online here – and we’ll give you a call to finalise your application.

How Can Car-Loans.net.au Help You?

Competitive Car Loans

We have a proven track record of securing our clients better car loans than what they can typically secure independently through their bank.

How? You don’t have to shop around. We have access to over 20 different lending products so can pinpoint exactly which lender will be the right fit for you.

Affordable Repayments

Pardon the pun, but we hate seeing our clients being taken for a ride when it comes to car finance. During the application process we act as an advocate for you – our client – and determine the best type of loan facility based on what you tell us, and total loan amount so that you’re not financially stretched when it comes to repayments.

How to Get the Best Car Finance Brisbane

1. Apply online here with Car-loans.net.au. During this easy application process you’ll be requested to submit all the paperwork required for your application. This helps us create your financial profile or history.

2. We’ll call you to finalise your application. Expect questions around your financial history, assets and liabilities and any previous lending applications.

3. We’ll negotiate a great value car loan on your behalf. We manage all the communication with the bank or financial institution so you don’t have to.

4. Quick approval within 24 hours. Provided we have all the information at the time of application, we can get fast approvals within 24 hours, and often even same day.

Why Choose Car-Loans.net.au?

Car-Loans.net.au, proudly brought to you by Aussie Loans, is committed to delivering good old fashioned service. It’s why our clients rave about their experience and recommend us to their family, friends and work colleagues.

Our approach is the opposite to what you might expect when dealing with the finance industry. We’re friendly, we don’t put any pressure on you, and you have the ability to take your time when choosing which loan you want to go for.

It’s your choice. We know which lenders are going to offer you the best deals based on your individual financial history, so we negotiate with them. Then we just present each option and their benefits to you to make the final decision. Car finance made easy.

 

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
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! 

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