Car Loan Refinance
Car loan refinancing is the process of switching your current car loan to a new one. This can either be a different product with the same lender or a fresh loan with a new one. Essentially, you’re taking out a new car loan to pay out your old one and continuing your repayments on a […]
Car Leases
Car leasing is a popular vehicle finance arrangement for businesses and individuals. Whether you’re a company owner who wants to turn over your commercial vehicle stocks regularly or an individual who can use one to reduce your taxable income, leasing is a cashflow-friendly way to access your new or used car. So, how do car […]
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Discharged bankrupt car loans
Understanding what it means to be discharged from bankruptcy will smoothen your car loan application process. This basically means you have been released from all responsibility from existing debts for a period of 12 months or more. This will allow you to apply for a discharged bankrupt car loan, or a bad credit loan even […]
Fixed Rate Car Loan
Fixed rate car loans are among the most common type of car finance on the market. With this type of loan, the interest rate is set at the start of the term and remains unchanged throughout. This means your monthly repayments stay the same regardless of market fluctuations, giving you certainty and making budgeting easier. […]
Car Loan with Part IX Debt Agreement
A Part IX debt agreement is a formal arrangement to repay part of what you owe and avoid bankruptcy. While mainstream lenders are unlikely to approve car loan applications during or shortly after a Part IX, there are still options available for financing a vehicle. Can I get a car loan with a Part IX […]
Low Doc Car Loans
What is a low doc car loan? Low doc car loans are a way of getting commercial car finance like a chattel mortgage without full financials. Instead, you may apply for a car loan using your ABN and alternative documents like recent BAS and bank statements. These loans are suited to applicants who need a […]
Student Car Loans
For many students, owning a car is essential for balancing studies, work and social life – but buying one while still studying isn’t always easy. If your savings won’t cover it, a car loan could be the solution. While there aren’t loans specifically for students, you could be approved for a standard car loan, provided you meet the […]
How to Get a Car Loan
Although applying for a car loan might seem daunting for some, the reality is that, with the right people handling your application, the process can actually be a quick and painless one. Whether you’re a high income earner with perfect credit, struggling with a few black marks on your credit file or buying a vehicle […]
Car Loans for Temporary Visa Holders
Getting a car loan as a temporary resident in Australia can be challenging, but it may be possible with the right lender. While many will only accept applications from Australian citizens and permanent residents, others are open to working with temporary visa holders who meet their criteria. Navigating the process can be complex, but Savvy’s […]
Secured Car Loans
Secured car loans are the go-to option if you need to borrow money to purchase a vehicle. By tying the loan to your car, you can access more competitive rates and improve your chances of approval – making it an attractive choice for borrowers across Australia. If you are looking for a secured car loan, […]
What is Negative Equity on a Car Loan?
Negative equity – sometimes called being upside down on your loan – happens when your car is worth less than the amount you still owe on it. This can leave you out of pocket if you want to sell, trade in or refinance your car before the loan is paid off. In this guide, we’ll […]