RateCity.com.au
  1. Home
  2. Car Loans
  3. Articles

Car Loans Articles

Relevant Car Loans articles and tips

Mark Bristow

Mark Bristow

Personal Finance Editor

E10 vs 91: Navigating your fuel choices

If you want to keep your car running smoothly and avoid costly mechanic bills, then choosing the right fuel is important. In Australia, regular unleaded petrol (91), premium unleaded (95 and 98) and E10 are among the most common petrol choices for motorists. If you’ve seen these names on the petrol bowser without fully understanding what they mean, here are the basics to help you make a more informed choice the next time you fill up your car.

Car Loans

20 Feb, 2024

5 min read

E10 vs 91: Navigating your fuel choices
Mark Bristow

Mark Bristow

Personal Finance Editor

Personal loan vs car loan: which option is suitable for you?

Most lenders offer both car loans and personal loans – what’s the difference? And which one is the best choice when you’re buying a car?

Car Loans

28 Nov, 2023

6 min read

Personal loan vs car loan: which option is suitable for you?
Alex Ritchie

Alex Ritchie

Personal Finance Editor

Are salary sacrifice car schemes worth it? Pros and cons of salary sacrificing for a car

After your home, your next largest purchase could be your car. A salary sacrifice car loan may be among the car finance options worth considering, depending on your personal financial situation. It’s important to know the features and benefits of a salary sacrifice, as well as the potential risks, in order to understand the potential value it could offer you.

Car Loans

20 Nov, 2023

5 min read

Are salary sacrifice car schemes worth it? Pros and cons of salary sacrificing for a car
Peter Terlato

Peter Terlato

Personal Finance Editor

How do you refinance a car loan?

If you’re looking for a more competitive interest rate, or your circumstances have simply changed, it might be worth considering refinancing.

Car Loans

10 Nov, 2023

7 min read

How do you refinance a car loan?
Mark Bristow

Mark Bristow

Personal Finance Editor

Will my car loan affect my mortgage application?

A car loan may positively or negatively affect your mortgage application. Successfully managing your car loan repayments could help improve your credit score, which may make a better impression on mortgage lenders. But if your car loan would push your debt-to-income ratio too high, a lender may be less likely to approve your mortgage application.

Car Loans

07 Nov, 2023

7 min read

Will my car loan affect my mortgage application?
Alex Ritchie

Alex Ritchie

Personal Finance Editor

Can I increase my home loan to buy a car?

If the time has come to upgrade to a new set of wheels, but your savings won’t quite cover the purchase cost, you might be weighing up your financing options.

Car Loans

06 Nov, 2023

5 min read

Can I increase my home loan to buy a car?
Mark Bristow

Mark Bristow

Personal Finance Editor

Can a car be used as collateral for a loan?

It is possible to use a car as collateral to secure a loan, which could let you enjoy a cheaper interest rate. But there are also risks to consider before you apply.

Car Loans

03 Nov, 2023

5 min read

Can a car be used as collateral for a loan?
Peter Terlato

Peter Terlato

Personal Finance Editor

How to buy a car: everything you need to know

Whether you're a first-time buyer or looking to upgrade your current vehicle, financing or buying outright, this guide covers everything you need to know about buying a car in Australia.

Car Loans

01 Nov, 2023

13 min read

How to buy a car: everything you need to know
Alex Ritchie

Alex Ritchie

Personal Finance Editor

Is it better to get a car loan through a dealer?

When it comes time to purchase your first or next car, you may assume that simply taking out a loan at a car dealership is your best option. However, you could be missing out on potential savings by shopping around and comparing your options.

Car Loans

26 Oct, 2023

4 min read

Is it better to get a car loan through a dealer?
Peter Terlato

Peter Terlato

Personal Finance Editor

How to conduct a pre-purchase car inspection?

A pre-purchase car inspection can assist you in avoiding potential pitfalls such as hidden issues, mechanical problems, and unexpected repair costs. Plus, an inspection report can be a useful negotiation tool when buying a used car.

Car Loans

25 Oct, 2023

6 min read

How to conduct a pre-purchase car inspection?
Vidhu Bajaj

Vidhu Bajaj

Personal Finance Writer

How much should you spend on a car?

When you decide to buy a car, you also need to determine your budget. So, how much should you spend on a car? Here are the things you need to consider.

Car Loans

23 Oct, 2023

7 min read

How much should you spend on a car?
Peter Terlato

Peter Terlato

Personal Finance Editor

How to check if a car has finance owing

You can obtain a legal report, providing essential information, indicating whether the vehicle is stolen, declared as a write-off, or has any outstanding finance owing, among other details.

Car Loans

20 Oct, 2023

5 min read

How to check if a car has finance owing

Promoted car loans products

OurMoneyMarket Services Pty Ltd

New Car Loan

Real Time Rating™

  • $2k to $75k

  • 1 to 7 years

  • Fixed Rate

  • Secured

Interest rate p.a.

6.57%

Comparison rate* p.a.

7.19%

More detailsclick for more details

Australian Credit Licence 488228

Product info
Stratton Finance

New Car Loan

  • Via broker

  • $10k to $250k

  • 1 to 7 years

  • Fixed Rate

Interest rate p.a.

6.52%

up to 18%

Comparison rate* p.a.

6.95%

More detailsclick for more details

Australian Credit Licence 364340

Product info
OurMoneyMarket Services Pty Ltd

Used Car Loan | No vehicle age limit

Real Time Rating™

  • $2k to $75k

  • 1 to 7 years

  • Fixed Rate

  • Secured

Interest rate p.a.

6.57%

Comparison rate* p.a.

7.19%

More detailsclick for more details

Australian Credit Licence 488228

Product info
loans.com.au Pty Ltd

New Car Loan - Home Owner Special

Real Time Rating™

  • $5k to $150k

  • 3 to 7 years

  • Variable Rate

  • Secured

Interest rate p.a.

6.24%

Comparison rate* p.a.

7.36%

More detailsclick for more details

Australian Credit Licence 395219

Product info
product data updated on

Product data updated on 26 Feb 2024