Car Loans

Bayside can help you find the most competitive car loan. We have helped many people find the right car loans for their personal or business needs. We consider traditional and alternative lending sources before recommending the best and most appropriate finance solution to meet your needs. We structure your finance in a way that reduces your taxation payments and minimises costs.

Bayside CM will meticulously research your car loan before advising you on the best course of action. In the majority of cases, our strategy is more cost effective than the default finance option recommended by sales people. Our competitive car finance solutions are delivered in a timely and professional manner. We believe this is why so many people keep coming back to us.

To find out more about our competitive car loans or to learn about comprehensive car finance services, contact us today.

Recent Milestones:

  • Chattel mortgage for the purchase of a new $275,000 Freightliner truck
  • $64,000 refinance of a balloon payment for a Mercedes car

What are your options?

A key difference between car loans and home loans is that you don’t need a deposit for the car loan. You are able to finance the whole amount. It is important to consider all your options as some lenders may let you include the cost of insurances and warranty into the loan amount and some lenders may charge you a hefty fee for paying off your loan too early. You need to make sure that you understand the fees and charges in the terms and conditions.

You are also able to look for pre-approval for a car loan if you know your budget and some details about the type of car you would like to purchase. You may be able to use the equity in your current assets to take out the loan at a more competitive rate too!

We have helped many people find competitive car loans for their personal or business needs. We recently organised a:

  • Chattel mortgage for the purchase of a new $275,000 freightliner truck
  • $64,000 refinance of a balloon payment for a Mercedes car

We will make sure that we structure your finance so that you can reduce your taxation payments and minimise your costs. It may also be in your best interests to consider whether a finance lease or operating lease is right for you.

0% Car Finance?

It might be tempting to agree to the finance options that are offered by the dealer or get roped into the “0% car finance” spiel. The truth is that even though you might be getting a 0% car finance deal, there will be higher fees and charges hidden behind the 0% interest rate or conditions that might end up costing you more over the course of the loan.

In order to offer this finance option, dealers may be unwilling to further negotiate the cost of the car, or invest in upselling premium products to add to the sale total. Some may need you to have the car regularly services by them, where their fees for service might be greater than what you would be able to get elsewhere.

The best thing to do is to read the fine print, seek advice from a third party or do your own research beforehand to make sure that you’re actually getting what you think you are. A broker can help you crunch the numbers and research an array of options that are available to you.

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