Vehicle Loans

Buying a car can be an exciting experience, but navigating the car loan market can be overwhelming. With so many options available, it's essential to understand the basics and find the right finance for your needs.

Types of Car Loans

- Personal Car Loans: For individuals buying a car for personal use

- Commercial Car Loans: For businesses and companies buying vehicles for work purposes

- Chattel Mortgage: A type of commercial loan for businesses with an ABN

- Novated Lease: A salary packaging option for employees

- Car Finance Lease: A rental agreement with the option to purchase

Key Considerations

- Interest Rate: The percentage of your loan amount charged as interest

- Loan Term: The length of time you have to repay the loan (typically 2-7 years)

- Deposit: The upfront payment required (typically 10%-20%)

- Fees and Charges: Understand all associated costs, including establishment fees and monthly service fees

- Repayment Options: Choose from fixed or variable repayments, and consider balloon payments

Government Charges and Fees

- Stamp Duty: A state government charge on vehicle purchases

- Registration and Insurance: Ongoing costs associated with vehicle ownership

Tips for Finding the Right Car Loan

- Research and compare rates: Shop around to find the best deal

- Consider working with a finance broker: Expert guidance for complex situations

- Read the fine print: Understand all terms and conditions before signing

- Plan for the future: Consider how your financial situation may change over time

Finding the right car loan takes time and research. By understanding your options and considering your individual circumstances, you'll be well on your way to securing the perfect finance for your dream car.

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

There may be occasions where you may be charged a fee by your broker.

Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.

Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.

The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.

Vehicle Loans

The team at Sabea Financial exceeded our expectations. Their professionalism and attention to detail are unmatched, and their commitment to providing exceptional service truly shines through.

Speak To Our Team

Vehicle Loans

The team at Sabea Financial exceeded our expectations. Their professionalism and attention to detail are unmatched, and their commitment to providing exceptional service truly shines through.

Speak To Our Team

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