I Want The best rates

  • This field is for validation purposes and should be left unchanged.

Smarter Fixed Rates

A fixed rate loan is one of the most stable financial tools around when it come to getting your financing for your car. If you are the kind of person who needs to budget your monthly funds and are worried about how your payments may affect your income, then you should definitely opt for a fixed rate loan so that you can fix your costs before hand and count on the costs to remain that way until the tenure is over!

Get A Free Quote
Finance Smarter

Benefits of Fixed Rates

  • Know your Costs
  • Long tenure options
  • Large Loan Amount
  • Fast Approvals
  • Down Payment and Balloon Payments
If you are looking to purchase a car, a fixed rate loan is the tried and tested feature that will help you plan your finances well in the long run.

Managing your finances is the best way to make sure that when you purchase a new or used car, you’ll get to keep it for a long time! It’s important for payments to be met regularly – lenders are seldom lenient when payments are defaulted or missed! So why not look at using a fixed rate to your loan to help you plan out and fix the amounts that you need to be responsible for and you can be assured that the amount need to pay will remain stable throughout the payment period.
With a fixed rate, lenders are able to predict the interest they will receive on the loan amount over time and predictability is highly sought after in the finance world. That’s why when you look at picking up a fixed rate loan, we have leverage to help you obtain longer tenure options, larger loan amounts and faster approvals too! That means more benefits for you in more ways than one, in addition to being able to properly plan your funds at the end of the month.
Coupled with pre or down payments and balloon payments which place a lump sum at the beginning or the end of the loan period, you can tweak parameters such that the monthly repayment values can be adjusted to your liking.

Truly, the fixed rate loan can definitely be a very easy to manage financing plan for your car!

Why Choose Us?

Accessible Coverage

Let us open the doors to more protection for you and your car!

Accessible Coverage

The Smarter Finance Company has access to financial institutions across the country who offer insurance plans for the protection of yourself and your vehicle when you are on the road, or parked in your garage! From basic coverage of fire, theft and third party damage, to windscreen cover and more, we can help you secure a competitive rate for your insurance plan that will match what you need, and your budget too!

Financing at your Fingertips

With our connections, it’s as easy as an email or a phone call to get the financing you need.

Financing at your Fingertips

Whether you are looking to refinance your car, asking about quotations or even just finding out about the processes, The Smarter Finance Company can give you the convenience of everything at your fingertips! Let our consultants do the legwork by helping you to get comparisons and allow us to take over all the administration too! We can help you get everything worked out at one place!

Choosing Rates for your Plan

Fixed and Floating rates work differently, but which one is the best for you?

Choosing Rates for your Plan

Interest rates might be confusing for you – how do they affect your payments, whether a floating or fixed rate might be better for you, and sometimes, having to figure things out may just make you want to wring your hands in despair! But fret not! Let The Smarter Finance Company help you sort things out! With our expertise, we’ll help you find the best rate to finance your car with! Give us the opportunity to match you with one of our reputable lenders.

  • Get Your Free Finance Quote Today

    Provide us with your details, so we can contact you to compare offers and find the best finance deal for you.

  • Please enter a value between 1 and 7.

Car Loan Calculator