Car Leases Test
A car lease is a finance product that allows businesses and individuals to use a car without owning it. Instead, the financier buys the vehicle and leases it to your business for a set term. There are three main types of car leases in Australia: Finance lease: Also known as a non-maintained lease, a finance […]
Car Loan Balloon Payments
A balloon payment, also known as a residual payment, is a lump sum you can pay at the end of your car loan term. Adding a balloon payment helps you reduce your ongoing car loan instalments, but it also impacts the overall cost of your loan. Although these are mandatory on novated leases and commercial […]
Car Loans for Casual Workers
Being a casual worker doesn’t automatically mean you can’t get a car loan. After all, around one in five Australians consider their employment to be casual, according to the Australian Bureau of Statistics. The reality is that there are more lenders than you’d think that are willing to work with people in your boat. For […]
Low Income Car Loans
Just because you’re on a low income doesn’t mean you can’t finance the new or used car you’re looking for. There are plenty of lenders out there who specialise in helping low income earners buy their next vehicle, which is where Savvy comes in. You can apply for a car loan with us today and […]
Car Allowances Explained: 2025
Car allowances are a perk offered by some Australian employers, giving employees a helping hand with their car expenses. From buying a brand-new vehicle to helping them cover the cost of using their existing one, car allowances come in all shapes and sizes. Here’s what you need to know about them to help you maximise […]
Can I Get a Car Loan with No Credit Check?
Millions of Australians use car loans to help them finance their vehicle purchase, but if your credit score isn’t the best, it might seem like there aren’t any options open to you. All reputable lenders will conduct credit checks, so there’s no way around it. The good news, however, is that having bad credit won’t […]
No-Deposit Car Loans
If you’re in the market for your next car, it’s important to know that there are finance options available that don’t require you to pay a deposit. Savvy has helped thousands of Australians finance their next car purchase with loans of up to 100% of their new or used vehicle’s value. Before you apply, though, […]
Novated Lease vs Car Loan
When it comes to financing your car, two of the most popular options are novated leasing and car loans. Before you make up your mind, though, it’s essential to understand how each one works and what its benefits are. We’ll walk you through the pros and cons of each option to help you work out […]
Car Broker
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 […]
Dealer Finance vs Car Loans
How is dealer finance different from standard car loans? Dealer finance is simply the name for the loan your dealership offers you when you buy your car. They function in pretty much the same way as any other regular car loan (secured loan, borrow lump sum, repay with interest and fees over a set period), […]
Car Loan Repayment Calculator
Before you apply for a car loan, it’s important to understand what it could cost you. Whether you’re buying a new or used car or looking to refinance, our car loan repayment calculator can help you estimate your repayments based on the details you enter. This gives you a clearer picture of the real cost […]
Variable Rate Car Loans
Looking for a car loan with a bit of flexibility? You might’ve heard the term “variable rate car loan” in your travels when surveying the market, but it’s important to understand what they are and how they work before you sign on the dotted line. That’s where Savvy can help you out. We’re partnered with […]
