Financing a car in Australia is basically choosing how you want your future self to pay for today’s shiny thing.
Common routes are a car loan (secured), dealer finance, a novated lease via your employer, or a chattel mortgage if it’s for business use.
Compare the comparison rate, fees and any balloon payment; a low headline rate can still cost more once the add-ons party shows up.
Get pre-approval, keep terms to what you can comfortably repay, and don’t finance on-road costs if you can avoid it—those don’t appreciate like a ’90s Skyline.
Used-car loans often run a touch higher on interest than new, and early payout or break fees can sting, so read the fine print.
Hunting on Tradingpost or privately? Great—just make sure the finance suits your budget, not the other way around.
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