Dealer finance rates aren’t carved into stone tablets; they swing with your credit score, loan term, deposit, and the car’s age.
Shiny “low” headline rates often hide higher fees, so the real yardstick is the comparison rate.
You can usually nudge the number by improving your credit profile, shortening the term, or stumping up a bigger deposit.
Always pit the dealer’s offer against quotes from banks and brokers — nothing focuses the mind like competition, especially in Australia where lenders love a haggle.
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