Drive Your Dream Car

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Great Options for Your Next Car

Buying a car is an important financial decision that you should consider carefully.

Whether you are looking to buy your first car or a replacement, you must find the best car finance rates in Australia.

With Exceed Financial Solutions, you can find the best car loans in QLD. Our personal car loan brokers can guide you every step of the process so you can make an informed decision.

Find the Best Car Loan Provider in QLD

The best car loan provider is the one who helps you purchase your dream car at the most favourable terms.

To get such a car loan, you will need a loan that is competitive in terms of fees and rates. In addition, you will need to consider other loan features such as repayment structure and more.

Choose the Best Car Finance Rates

In choosing a car loan, you need to consider the fees and interest rate before you sign any deal.

It’s best to compare similar car loans to find the most competitive one in the market. A car loan broker can help you assess the fee, interest rates, repayments and the overall structure of the loan.

Car Loan FAQs

Should I get a car loan?

Your personal and financial circumstances play important roles in considering whether you should get a car loan.

Many Australians (especially those who just started working) don’t have the ready cash to buy a brand new car. In such cases, many get a loan to buy a car instead.

Getting a car loan is a convenient and sustainable option as you only need to pay a small amount each month.

Through a loan, you are spreading the total cost of the car you want over a longer period. This makes it easier to pay for your car.

Is it better to finance a car through a bank or a dealership?

With bank financing, you need to go directly to a bank or a credit organisation to apply for a car loan. You can get pre-approval for a loan before you can visit a dealership to choose your car.

On the other hand, the car dealer will arrange the loan if you choose the dealer financing. You can visit a car dealer, choose a car, then the dealer representative will submit your loan application to its network of lenders.

The best path to take is the one that will save you the most time and money. So you have to consider your circumstances as well as your preferences.

But many Australians choose to team up with independent car loan brokers to get wider access to lenders and dealerships. This way, they have more options and choose the best car loan for their needs.

Which bank is the best option for car loans?

There’s no single bank or car loan provider in Australia that is considered best for everyone. Each lender offers different features and deals that cater to different needs.

You need to consider the type of car you want to buy, your finances and your eligibility. This is why researching and comparing car loans are crucial before you sign any deal.

What kind of credit score do you need for a car loan?

It’s difficult to specify the credit score needed for a car loan in Brisbane because banks and lenders do not publish these criteria.

But for general guidance, you are in good standing and you have higher chances to be approved for a car loan if your credit score is at least 622 based on the Equifax benchmark.

If your credit score is lower than this threshold, you may still qualify for a car loan but you may need to provide more requirements and have to pay higher interest rates.

We can help you find the best car financing deals in Brisbane.