Online Car Finance Quote

Savvy’s advanced digital technology allows us to get your application turned around from quick quote to settlement in as little as 48 hours, enabling you to receive funds fast and take ownership of your car in no time.

Yes – pre-approval is a great step to take in the car loan process. It provides you with a more concrete understanding of the amount you’re able to borrow, but it also has a few other benefits, namely that it provides you with greater bargaining power when you approach a dealership to purchase your new vehicle. It can also boost your chances of a faster, more successful sale, as the seller can see that your lender is willing (in principle) to grant you the funds.

The use of your funds is restricted to the purchase of your car only. Unlike personal loans, where you can essentially distribute funds how you please, car loans are designed to finance the purchase of your car only. However, we can arrange for other car-related costs to be covered in your loan, such as stamp duty and extended warranties.

You can borrow up to the value of your car, plus other related costs. In reality, though, not everyone will be approved for the same amount when financing their car. Your approved loan sum will be dependent on what you can comfortably afford to repay in terms of monthly instalments. For example, if you want to buy a car with $3,000 per month repayments on a monthly salary of $5,000, you won’t be approved. Your Savvy consultant will help you calculate the repayments you can afford to make after your quote and before submitting your application.

Yes – we can help you apply for a range of car finance products, such as chattel mortgages, car leases and hire purchase arrangements if they’re more appropriate for your personal situation. You can also get a quick quote for any of these products through Savvy.

There are several ways you can go about this. Firstly, having a good credit score will always help reduce your interest rate, as will verifiable previous finance on a car loan or another similar product. The newer the car is, the better your rate will be, while owning a significant asset like property will also go a long way towards reducing your interest rate.

Casual workers are seen as more of a risk for car loans than permanent employees. This is because they tend to lack the job security that other workers have and can often have less stable income. However, that doesn’t mean you can’t get a car loan, although it’ll come at a higher interest rate and greater restrictions on the loan amount. Savvy can help you access finance for your car no matter what walk of life you’re from.