Hunting for the lowest car finance rates in Australia is like chasing a unicorn, but here’s the skinny: rates typically start around 5% to 7% per annum for new cars if your credit is pristine. Used car loans often carry a slightly higher rate, say 7% to 12%. Big banks, credit unions, and specialist lenders like those found on platforms such as ServiceCentral often compete fiercely, so shop around. Beware of the devil in the details—loan terms, fees, and your credit score dramatically influence the deal. For a no-nonsense approach, check Tradingpost or CarShowroom for current market rates and lender offers.
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