What to Look for in Your Next Car Loan

14 Jun What to Look for in Your Next Car Loan

More than the potential savings you can get from a low interest rate, there are other features you can take note the next time you secure another car loan.

car loan, car finance, car loan Australia, car loan features, mortgage, finance

What to look for your in your next car loan

Owning a car comes with all sorts of responsibilities that you need to make sure you’re ready for. Once you’re decided and presented with a lot of options, it’s the fine print that really requires your attention. The trick is to find a loan with the best features for you. Here are some of the things you can look for:

Low or no (hidden) fees

Look for a car loan with low or no monthly or application and sign up fees. Be critical with this as there might be some hidden fees included. Just bear in mind that if you’re late with your repayments, no matter how low your ongoing fees are, you’ll have to stump up a late payment fee.

No early exit penalty

Can you pay out your car loan early without penalty? If you come into extra money and want to pay off your loan early, before the term ends, you want to know that you can do so without being penalised. This will differ between lenders and the loan type you apply for so make sure you enquire about this feature.

Extra payments without penalty

Can you make extra payments off your car loan? Doing so will allow you to pay off the loan sooner and can potentially save you money. You or your finance broker can enquire on your behalf whether your car loan allows extra repayments, will you be charged for doing so, and if there is a limit on how many repayments you can make within a certain time frame. These are the finer details you should find out before signing in to anything.

Redraw facility

If you have set up extra repayments but also want to be able to withdraw these if you find yourself in need of money on the spot, a redraw facility is the car loan feature you’ll need to sort this out.

Other features you can also look for would be the option to choose your repayment period and the length of approval for a car loan application.


Now that you know what you’re looking for, why not head on and start your car loan shopping spree and call Kirsten on 0408 081 082. There’s no better time than today and take advantage of the EOFY!



Credit Representative Number 486927 is authorised under Australian Credit Licence 389328.

 This article provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

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