The Smarter Finance Company knows that it’s hard to find the best car deals in Australia, but we have some tricks of our own up our sleeves so that you can have the upper hand when you start looking for and finalising the contract for your new or used car…

Check out Financing before Purchasing your Car
We can’t stress this tip enough! It’s so important to do your research and find out how much the going interest rates are for a person of your credit rating and monthly income. If you are going to apply for a car loan with the dealerships, you need to take their quotes with a pinch of salt because they just might be inflating the base rate quoted by the banks and financial institutions so that they can bring in more profit for the sale of the car.

Get the Certification and Reports
Ensure that the car you have your eye on comes with all the proper paperwork so that you have up-to-date and accurate information about its history, maintenance and repair history. Even if it’s a new car, if a few dollars can give you the peace of mind that the car is exactly as the car sales person says it is, then why not spend that little bit extra. You can opt to call the car in for inspection, ask for a onceover at the workshop or ensure that you have checked with the body that governs motor trade for a check up on the vehicle.

Ask for Documentation
When you are ready to work out the terms and condition, make sure that the dealer commits to the final figures in writing! If you are being shown car finance quotes, make sure that the dealer prints out the email from the bank and the bank approval too to ensure that all the financing is in place. We want to avoid the scenario that you’ve driven away with your car all happy only to find out that the dealer is going to short change you on your financing plan!

Don’t commit too Quickly!
Even if you’ve done all the above sets and things look to be all in place, you can afford to take your time. Don’t push yourself to sign the documents if you feel like that you there’s something missing or you don’t have the right feeling for it. A car may be a very large investment of money on your part, and the only way to make sure that you get what you pay for, is to deliberate, research and make the right decision!

We want you to walk into the car showroom confident and knowledgeable of your options, so that means finding out about your financing plans and comparing car finance rates before you start looking at cars! Give us a ring and set up an appointment with one of our advisors at your nearest convenience!