You no longer need to face up to that car yard finance pressure. It can be a bit confronting, right? It can also rope you into all kinds of upsells you don\u2019t need. Well, you don\u2019t need to get your finance through car dealers anymore. Let us get it for you through one of our lenders with interest rates and repayments that make sense.<\/p>\n
That\u2019s not a problem as we have some great options for you with some great rates.<\/p>\n
A Chattel Mortgage is normally the way to go but always check with your accountant to make sure that they agree.<\/p>\n
With a Chattel Mortgage, you own the car from the start, you don\u2019t need to have a deposit as you can generally finance the lot and, a FinancialPlus, the car being financed is normally sufficient security for the finance and, therefore, won\u2019t tie up other assets.<\/p>\n
But an even bigger FinancialPlus is that there could be taxation benefits as you can normally claim back the GST paid on the car!<\/p>\n
You can! Or at least, you might be able to. If you\u2019re a homeowner with a nice clean credit history, and you\u2019re registered for GST then the banks tend to say, \u201cHmm, this looks like a safe enough bet!\u201d That\u2019s a nice no-credit car loan and you don\u2019t need to verify income on it. Talk to us if you\u2019d like to know more.<\/p>\n
That\u2019s not a problem either although there is a little more paperwork involved and we will need payslips and a few other bits and pieces but we can work you through this. A consumer car loan is the way to go and its pretty straightforward!<\/p>\n
Actually, never look at the rate. At FinancialPlus, we can compare the rate from two lenders. One might appear to have a much higher rate, but when we work out the true cost to you, the repayments come out the same. It\u2019s all about how they work their fees. That\u2019s the advantage of a broker \u2013 we know this stuff so you don\u2019t have to. Whatever you do, don\u2019t base any decision on the interest rate \u2013 find out what it will set you back each month including all charges and upfront fees.<\/p>\n
Yes, it definitely does. Think of it this way. You\u2019re at the dealership drooling over a gorgeous car and you\u2019ve got two negotiations going on \u2013 one for finance and one for the price of the car. If you\u2019ve managed to haggle your way into some terrific 1% finance deal, that\u2019s probably where your dealer\u2019s going to shut up shop \u2013 they\u2019re unlikely to budge on the car price. If, however, we get you that terrific finance deal independent of the dealer, you\u2019re in happy negotiation land. You say, \u201cI want the car, I\u2019ve got this much, no more.\u201d If they want to sell the car, you\u2019re in the driver\u2019s seat, literally!<\/p>\n
It\u2019s quick. We can give you a quote within a couple of hours. Once we get your OK to proceed, we\u2019ll tell you what we need. If you work with us, we can have the loan funded with two or three days so we don\u2019t muck around.<\/p>\n
Some good advice would be this: don\u2019t allow yourself to get too caught up over one particular car until you have spoken to us.<\/p>\n
Don\u2019t fall into the trap of being there in the car yard with that beautiful chariot right before you. You can touch it, but you can\u2019t take it home. That\u2019s when emotion can take over and lead to rash decisions and you end up paying more than you need and signing up for any old loan. Get a pre-approval instead before you go.<\/p>\n