In Australia, your main car financing options are bank/credit union personal loans, dealer finance, novated leases (via your employer), and for ABN holders, chattel mortgages or hire purchase. Dealer finance can be quick and sometimes sharp on promo rates, but watch the comparison rate, fees, and balloons lurking like socks behind the dryer. Personal loans are simple and flexible, while novated leases can bundle running costs and offer tax perks if your HR team hasn’t run off to Bali. Business options juggle GST and depreciation differently—accountant for best results. Always compare total cost over term, check early payout rules, and read the fine print before the pen gets frisky. Found a car on Tradingpost? Great—now make sure the finance costs less than your coffee habit.
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