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Car Broker

Access fleet discounts that could save you thousands of dollars on your next car purchase by buying your car through Savvy!
Start your quote

100% free. No impact on your credit score

Car broker representative shaking hands with a new car buyer

Car Broker

Access fleet discounts that could save you thousands of dollars on your next car purchase by buying your car through Savvy!
Start your quote

100% free. No impact on your credit score

  Written by 
Bill Tsouvalas
Bill Tsouvalas is the managing director and a key company spokesperson at Savvy. As a personal finance expert, he often shares his insights on a range of topics, being featured on leading news outlets including News Corp publications such as the Daily Telegraph and Herald Sun, Fairfax Media publications such as the Australian Financial Review, the Seven Network and more. Bill has over 15 years of experience working in the finance industry and founded Savvy in 2010 with a vision to provide affordable and accessible finance options to all Australians. He has built Savvy from a small asset finance brokerage into a financial comparison website which now attracts close to 2 million Aussies per year and was included in the BRW’s Fast 100 in 2015 as one of the fastest-growing companies in the country. He’s passionate about helping Australians make financially savvy decisions and reviews content across the brand to ensure its accuracy. You can follow Bill on LinkedIn.
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Last updated
March 18th, 2025


A car broker – not to be confused with a car finance broker – acts as a middleman between you and car dealerships, helping you navigate the process of buying a new or used car. Their goal is to get you the best possible deal by leveraging their connections and expertise.

Here's how car brokers can assist you:

  • Find the right car: they can search their network of dealerships to find the car make and model you’re after (or the next best thing). Alternatively, if you aren’t sure which model to buy, they can present a range of potential options based on your preferences and budget.
  • Arrange for test drives: if they find a suitable car in your city or state, they can set up a test drive for you with the dealership.
  • Negotiate the price: car brokers have experience negotiating with dealerships and may be able to get you a lower price than you could on your own.
  • Throw in added extras: alongside their bargaining on price, brokers can work towards including a range of optional extras in your agreement, including extended warranties, window tinting and more.
  • Handle paperwork: they can help you with the paperwork involved in buying a car, such as the sales contract.
  • Have the car delivered to you: if the car you’re buying is located interstate or a fair way from home, your car broker can organise the delivery of the vehicle to you, in some cases to your door.

When you apply with Savvy, we can handle both the car broking and car financing for you. We’re partnered with more than 40 lenders in addition to our in-house broker service, so we offer the complete package to those looking to buy their next car. We can drive down prices on new cars thanks to our fleet purchasing power and relationships with dealerships across the country, allowing you to buy your next car with confidence.

Can a car broker help me with a trade-in?

Yes – brokers can help you trade in your current car in the process of finding the best deal to purchase your new one. They can obtain and compare offers for your trade-in car from their dealership network, which will help inform your choice of dealer.

If you wish to trade in your car as part of your purchase, you can speak with one of Savvy’s friendly consultants, who’ll work with our broker team to find the best solution available for your situation.

How much does a car broker cost?

Car brokers often charge a fee for their services, which can range from as little as $150 to $1,000 or more depending on the broker and the vehicle you purchase. In many cases, you won’t be required to pay this fee directly; instead, it may be included in the purchase price of the vehicle and passed on from the dealer to the broker once the sale is finalised.

Rather than charge you for their service, brokers will typically charge dealerships a commission for referring you to them. The dealer will then pass this onto the customer in the purchase agreement.

What are the pros and cons using a car broker?​

The five-step car buying process

Common car broking questions​

What is car broking?

Car broking is a service in which a buyer contacts a car broker to help secure a car on their behalf at a discount compared to buying off the lot. A car broker uses their links with many dealers and bulk purchasing power to find a car of the buyer’s choosing. The broker then negotiates the deal and arranges delivery of the car on the buyer’s behalf.

You can arrange your own finance by paying in cash or EFT; but as Savvy is one of Australia’s trusted car loan brokers, you can apply for finance alongside your car order to make the entire transaction seamless.

Yes. You may be able to finance the car with a chattel mortgage, hire purchase, or operating lease instead of a consumer loan.

Yes, though conditions may apply. It’s best to test drive a car you would like to own before submitting your vehicle order form.

You can choose any car you like – hatches, sedans, mid-size cars, coupes, SUVs, 4x4s, utes, and many others.

Do I have to negotiate with the dealer?

No. We tender out your order to a network of dealerships that all submit bids for your business. This bargaining process ensures you can select the lowest price from what’s on offer.

Yes, we can find a car through a novated lease agreement between you, your employer, and a financier. Ask a consultant for more information.

Yes – we can source quality used and certified used cars through our extensive dealer network. Simply notify your broker when filling out your order form.

Yes, you can get a free, no-obligation quote before applying. Click below for more.

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