Get Low rate & Secured car finance in Australia
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Fast & Easy Secured Car Finances
Secured car loans is a type of finance whereby a lender provides a you funds to purchase a car, and that car is used as a security on the loan and this lowers the interest rate. Secured car loans are preferred because you can have your car without paying full price at time of purchasing. We ave linked Australia's top lenders, with Refinance Today you save more by comparing and choosing best option for you.
Our car loan specialist consultants is always ready to guide you through the process of selecting the most suitable secured car loan solution as per your budget & needs.
Need a car loan? Refinance Today is the Answer!
As car loan experts, Refinance Today offer various finances offers Whether you’re buying used, certified used, or from a private seller or dealer, we can help you avail the best rates in most flexible terms. We also help businesses secure commercial chattel mortgages, car refinancing, secured car loans, business car loans and even commercial hire purchases.
If you have bad credit, Not a problem, Our consultants can help you, no matter your circumstances.
Let us find the right car finance for you
With free Finance Assessment and minimum documentation, get the right car loan with Refinance Today!
So you can have a wonderful ride, meanwhile we will do your work
It's upto you, what type of car & from where you purchase. We provide Finances for you.
From multiple options, by comparing them you can choise best suitable for you.
Looking for 100% Finance? You can get it at Refinance Today. Also get your Insurance Financed with us.
Car Loan is easy with Refinance Today!
Our experts helpd you in chossing best finance by comparing various car loans options as per your need
Refinance Today is one of Australia’s trusted and fastest growing car loan brokers. We’ve helped hundreds of people get the lowest car loan rates so they save even more: Get free Finance Assessment, no obligation to apply.
Chattel Mortgage is the most popular Commercial Finance for car. Wth fixed interest rate, Flexible contract terms, Save on tax is commonly used by businesses to finance a vehicle.
Hire Purchase is the most common type of vehicle finance for businesses with flexible terms and rates. We connect you with banks and lenders specialising in hire purchases so you can structure liabilities your way.
With car lease, a lender purchases a vehicle and then rents it back to them in exchange for payment. Refinance Today has put together various leasing package that suits your budget and preferences.
A Novated Lease is an agreement between an employee, their employer and a lender. Also known as salary sacrificing, it is most suitable for employees who want to finance their vehicle as part of their salary package.
Bad Credit Car Loan
At Refinance Today we have helped thousands of customers with poor credit history by getting car loan approved and also helping you in fixing up your credit rating. Everyones dream to have a car is as important.
Still have some Questions regarding your car loan?
We have listed down few common questions everyone have in their mind, Read them and clear all your doubts!
Q: What is a car loan?
A car loan is a personal financial product that allows the potential buyer to pay the vehicle off in monthly payments instead of having to pay the full price all upfront.
Q: What is a secured car loan?
A secured car loan is a financial product where the car is used as security on the loan and this lowers the interest rate. The interest rates on secured car loans is usually fixed, which means that your repayment amounts will stay the same, and you will likely pay a lower interest rate than with an unsecured car loan
Q: What is a comparison rate?
When looking at interest rates for car loans, an interest rate shows you the total interest you will pay on the principal. A comparison rate includes most fees and charges expressed as a total interest rate. You can compare similar loans using a comparison rate table.
Q: How long can you go on a car loan?
The average car loan term is 5 years. People can opt for shorter or longer terms depending on their needs and circumstances. Some car loans can last for 12 months all the way up to 7 years.
Q: How can I apply for a car loan?
Car Loan has been easy and fast with Refinance Today. You can start your application by getting a free, no-obligation quote. One of our financial professionals will contact you and guide you through the process which take just a few minutes to complete. All we need are the details of your desired car loan along with some personal details, such as your driver's license and basic employment information.
Q: How much can I borrow?
The amount of your secured car loan largely depends on your personal situation such as your income, the type of car can influence the loan amount you can access. You can borrow 100% of your car's purchase value and include extras such as insurance and extended warranties. Speak to Refinance Today's specialist for more information about no deposit car loans.
Q: How long does the process take?
We can get you approved for finance on the same day you apply. Each application will vary, but in most cases we can find finance for a secured car loan in one or two days.
Helpful information on car loans
Read some of the helpful information on car loans to help you make a right decision
Buying New or Used – What’s the best for you?
Buying new is more expensive, buying used is cheaper. But is it so cut and dry? Often buying new means massive (and instant) depreciation. Buying used may only drive you so far until you need repairs and replacement parts. What is best for your situation? If you are buying new and you’re planning for a family, buying something larger may suit you well for five or even ten years. A comparable used car may have a much shorter lifespan.
Car loan repayments and your budget
Buying a car with finance means monthly repayments. It makes financial sense to budget for your repayments so you never run into trouble. But does it give you the full picture of how much you’ll be paying? Budgeting for repayments is a good first step, but you must also consider consumables and other expenses. Insurance, fuel, servicing and incidentals such as cleaning may play into your bottom line
When Zero doesn’t equal “nothing” – 0% loans
Chances are you’ve seen car dealers offer “zero percent” loans on TV or radio. These may sound enticing, but are not all they’re cracked up to be. Dealers offering “zero” percent loans may add hidden fees, penalties and force you to buy older models at the retail price. That might mean paying more for last year’s model. Buying a retail car loan from a reputable broker or lender while negotiating a better price is a better option that will save you money in the long run.
Buying private vs dealer purchase – what’s best?
In the car buying world the age-old debate of buying private and buying from a dealer rages on. What is best? It depends on your objectives. If you want to save money and don’t mind the inconvenience of travel, no-shows and checking documents and VINs online, buying private is the way to go. Dealer sales are almost always more expensive, but you get warranties, protection under consumer law and after-sales support. What is more important? Price, convenience or added safety?