CAR FINANCE
Car finance,
with the costs made clear.
Buying a new or used car? Sam helps you explore finance options and understand the repayments, fees and any final lump-sum payment before you decide.
Helping clients Australia-wide. Through BMoney, Sam compares car-finance options from a wide panel of banks and non-bank lenders to help find finance suited to your needs.
Finance solutions providedthrough BMoney Group.
A next step to take.
ON THE MOVE
Think beyond the monthly repayment.
Whether you're replacing the family car or buying something for a different stage of life, tell Sam what you're considering. The conversation can cover the purchase, intended use and questions you want answered before arranging finance.
Compare quotes on the same basis
- Use the same vehicle price, deposit and amount financed.
- Check the loan term, repayment frequency and all fees.
- Compare the balloon or final payment and total repayments, including fees and that final amount.
A lower instalment may reflect a longer term or a larger balloon, rather than a cheaper loan. Ask what you will pay overall and how you would cover any final amount.
For an independent checklist, see Moneysmart’s guide to car loans.
What Sam can help you work through
- Discuss a new or used vehicle and your purchase timing.
- Ask about the proposed term, fees and total repayments.
- Clarify whether a final or balloon payment is part of any option discussed.
YOUR QUESTIONS
Before we talk.
Do I need to have chosen a car?
No. An approximate budget and the kind of vehicle you're considering are enough to start a conversation.
Can I enquire about a used car?
Yes. Share the vehicle details when you have them. Sam can explain what information needs to be assessed.
What should I ask about a balloon payment?
A balloon payment is a final lump sum due at the end of some car loans. Ask how much it is, when it is due and how it affects the total cost. Plan how you would repay it before choosing that option.
What should I compare before choosing car finance?
Look at the total repayments, fees, loan term and any final balloon payment, not only the weekly or monthly amount. Ask about security and any restrictions or fees for extra repayments or paying the loan out early.
What information helps start a car-finance enquiry?
Tell Sam whether the car is new or used, its approximate price and when you hope to buy. If you have already found one, a short description is enough to begin. Do not put identification, account details or documents in this form.
LET’S TALK
What are you looking to drive?
Share your plans and the best way to reach you.
Sam can discuss your needs and explain the next steps. This is an enquiry, not a loan application.