Start with the total cost
Look at interest, fees, the repayment term and any final balloon payment. A lower regular repayment does not always mean lower overall cost.
Car Loans
Your next car.
Finance made clear.
A first car, a family upgrade or your next everyday drive. Understand the repayments, fees and full cost before you choose the keys.
Car LoansYour next car. A clear finance plan.
- New cars
- Used cars
- Repayment planning
- Loan review
Make an informed move
Know your loan.
Enjoy the drive.
The purchase price is just the beginning. Look at the full borrowing cost and what each repayment means for your budget.
Talk it through with AnsarRead the Moneysmart guide to car loansNew and used vehicles
A lender may have requirements for a vehicle’s age, type, value and seller. Discuss the vehicle you are considering before committing to a purchase.
Business use
Finance structure can depend on how the vehicle or asset is used. Obtain independent advice on the business, tax and accounting implications.
Understand your options
The finance pathways we can explore depend on eligibility, lender criteria and current accreditations. We will confirm the available scope before proceeding.
The GEMS approach
Complexity,
meet clarity.
One considered process.
A person beside you at every stage.
GEMS
Your goals.
Our starting point.
- 01THE CONVERSATION
Understand
Your goals, circumstances and priorities come first.
We start with a conversation and a clear picture of your finances.
- 02THE PLAN
Structure
Consider the options and understand the trade-offs.
We discuss suitable pathways, loan features, costs and requirements.
- 03THE APPLICATION
Apply
Move forward with organised documents and support.
We help prepare the application and coordinate with the lender.
- 04THE NEXT CHAPTER
Settle
Stay informed through the steps that bring it together.
We remain involved as the lender and other parties work towards settlement.
A little more clarity
