You meant "finance a car" — and yes, it's a negotiation disguised as paperwork. The main ways Australians do it are: dealer finance or bank/credit-union car loans, hire purchase/chattel mortgage for business, personal loans for cheaper cars, or a novated lease if your employer participates. Expect interest rates roughly in the ~5–12% p.a. zone depending on credit, deposit and whether the rate is fixed or variable — always check the comparison rate and fees. Put down as big a deposit as you can, compare total repayments (not just the headline rate) with online calculators, and beware balloon payments or early‑exit fees. Bring proof of income, photo ID, current registration or purchase agreement, and be ready to shop warranties, GAP and comprehensive insurance. Search cars on Tradingpost or CarShowroom, and compare lenders including banks, credit unions, dealer offers or brokers and ServiceCentral for servicing or insurance quotes.
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