Looking for the cheapest car finance in Australia? Brace yourself for a merry-go-round of interest rates, fees, and credit checks. Typically, secured car loans from banks or credit unions offer the lowest rates, often around 5-8% APR for new vehicles, while dealerships might tempt you with low initial rates but stack on fees later. Used car finance generally comes at a higher rate, say 7-12% APR. Don't forget to check out options on Tradingpost or CarShowroom where some sellers might offer in-house finance deals. Always read the fine print — because nothing's cheaper than a loan you don't have to pay back.
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