Dealership finance rates can be convenient, but convenience sometimes costs more than you’d like to admit over a flat white. Rates vary with your credit score, loan term, new vs used, and whether there’s a balloon lurking at the end like the world’s least-fun party trick. Always compare the comparison rate (not just the headline), check fees, and get a bank or broker pre-approval so you’re negotiating the car price and the finance separately. Watch for add-ons—insurance, tint, warranties—that creep into repayments like stowaways. If the numbers don’t sing, consider a simple secured car loan or novated lease instead. Read the contract slowly, ask annoying questions, and make the dollars in AUD work for you—not the other way round.
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