InstantForum.NET v4.1.3Discussion Forums/TPModerator@tradingpost.com.auFri, 19 Mar 2010 08:40:55 GMT20/Topic1016-91-1.aspxWell being in the Industry myself, below is the best advice you will get;<br><br>1) Take time to shop around<br>2) Do not instantly discount dealer finance, often dealers have access to a variety of lenders and can get you a better deal. Going direct to finance companies or banks may mean you pay a higher rate as the staff on the phone do not have the authority to discount the rates.<br>3) Have a weekly figure in mind, and stick to it.<br>4) Be aware of hidden costs such as account keeping fees.<br>5) Make sure you get a loan with low pay out fees as you can then change to another loan provider if unhappy, or can pay your loan out early without fuss.<br><br>Nowadays there are many online finance brokers that do the shopping around for you<br><br>We bought our last vehicle using finance from http://www.GetApproved.com.au and found their service great (although I am a little biased because my brother works there!)Wed, 03 Dec 2008 14:57:42 GMTtoby2008/Topic1016-91-1.aspxIf you are currently paying off a mortgage you might also be able to borrow against the equity through a line of credit or home equity loan - just another option to consider. <br><br>Wed, 30 May 2007 17:10:50 GMTjustin_stevens/Topic1016-91-1.aspxWhen looking at different finance options make sure you consider the folowing:<br><br>- Term of the loan<br>- Interest Rates<br>- Other fees and Charges<br>- Insurance<br>- Repayments<br><br>And the obvious one only commit to a loan you can afford to repay.Wed, 30 May 2007 15:43:16 GMTcordelle/Topic1016-91-1.aspxBest thing I could advise is to shop around don't be forced into a decision. Financing through Car Dealerships can quite often have a higher interest rate and come with extra terms and conditions so be sure to look over everything before signing anything.<br><br>JeffWed, 30 May 2007 14:59:15 GMTjeff_cooper/Topic1016-91-1.aspxI've always gone through RACV for car financing never really looked into any other options there rates seem to be quite competitive.Tue, 29 May 2007 15:12:39 GMTryan_against/Topic1016-91-1.aspxBest place to start would be to make sure you do your homework<br><br>Before you hit the streets and start test driving new vehicles do your homework, figure out how much you can comfortably afford to pay and set a budget for your new wheels.<br><br>Check out vehicle finance deals offered by your current credit providers so you have a starting point for your comparisons.Mon, 28 May 2007 17:18:16 GMTstanley33/Topic1016-91-1.aspxI recently purchased a new car - did a bit of research beforehand comparing the likes of RACV with a Personal Loan through my bank and a few other options, in the end I talked with the Car Dealer and ended up going through the financing company they use, I told them what I could afford in terms of monthly repayments and they worked to that which was handy.<br><br>Best place to start would just do a bit of research on the net most Car Financing sites have online calculators so you can easily compare different figures without any pressure to commit. Hope this helps.<br><br>DavidMon, 28 May 2007 17:12:26 GMTdaveyd/Topic1016-91-1.aspxI'm shopping around for the best deal with Car Finance..... <br><br>Where do I start? <br><br>Does anyone have any thoughts on who offers the best value financing? <br><br><br>Fri, 25 May 2007 13:40:06 GMTaudriver