Buying a car in Australia? You’ve got bank or credit-union car loans, dealer finance, personal loans, and novated leases if your employer plays ball.
Compare the comparison rate, upfront and monthly fees, and whether there’s a balloon lurking at the end—cheap today can mean “oof” tomorrow. Typical terms run 3–7 years; a deposit and squeaky-clean credit score will usually trim the rate. Get pre-approval so you can haggle on the drive-away price without the finance fog. Don’t forget on-road costs (stamp duty, rego, CTP) and comprehensive insurance, plus any early-payout fees. And if someone tries to bundle paint protection into your repayments, smile politely and say you own a bucket and sponge.
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