🔍 Don’t Just Focus on the Rate — Focus on the Right Fit

Many buyers fixate on the lowest advertised interest rate, but that’s rarely what determines a good deal. In fact, your overall loan structure, fees, flexibility, tax deductibility, and repayment terms will often have a bigger impact on your long-term savings.

Work with a Finance Broker Who:

• Understands your personal or business situation

• Compares lenders beyond the banks

• Tailors loan terms to match cash flow, GST cycles, and ownership strategy

• Helps with pre-approvals so you can negotiate confidently

  
  

🛠 Real-World Example

A tradie looking for a ute may benefit more from financing a near-new used vehicle under a chattel mortgage, offsetting GST and depreciation — rather than taking the dealer’s 0.9% rate on a brand new model that locks them into restrictive terms.

The key? It's not about the car being new or used — it’s about structuring the right finance for your needs.

Final Thoughts

The best car finance deal isn't always the one with the lowest rate — it's the one that suits your goals, cash flow, and ownership strategy. Whether you're looking at a brand-new model or a quality used car, a tailored finance solution can save you far more in the long run.

Need help choosing the best car finance option for your situation? Speak with your asset finance broker today for personalised guidance and the confidence to drive away with a deal that works for you

Need help securing commercial finance tailored to your business?  get in touch with us.