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Three ways green car loans could save you money
Buying an eco-friendly, or ‘green’, car is not only an environmentally responsible decision, it could also potentially be a financially responsible decision in more ways than just day-to-day running costs.
Brisbane car loans
Brisbane is one of the oldest cities in Australia, as well as one of the most attractive to look at, with its striking and distinctive Queenslander architecture. If you're a Brisbanite or live in some of the other lovely locations in Queensland, you probably enjoy regular car trips to the Gold Coast and the Sunshine Coast, as do many international visitors. After all those clicks, when the time comes to replace your car with a second-hand model or a new one, there are plenty of car loan deals to choose from.
How do car loans in Brisbane work?
Lenders will first check your credit history when you apply for a car loan, with some lenders being willing to accept borrowers with some blemishes on their record. Sometimes interest rates for these loans will be higher than others. Also, there are some lenders that specialise in offering very decent rates on finance for people in nonconforming circumstances, including single parents, those who are searching for low doc solutions, and pensioners. As competition is strong, in most cases, no matter your status or financial track record, there are likely to be car loans to suit you.
What are the main features of car loans in Brisbane?
When borrowing funds to finance your vehicle, you can look for the best possible deal, taking into account fees and charges as well as interest rates. Check out how loan calculators work and always use the comparison rate for Brisbane car loans that is displayed alongside the advertised rate. This helps you to identify the genuine cost of borrowing from your chosen lender, as it includes all additional fees and any charges that could apply to each loan offer.
If you need any particular features, you should also check whether these would incur extra charges. For instance, some lenders offer the opportunity to make bigger repayments from time to time, so that should you have extra money available you can pay a bit more than the minimum amount required. This system offers you the chance to repay your loan early, saving some interest. However, it's worth making sure there are no additional fees to pay, as otherwise these features may not be of benefit to you. When deciding on your preferred lender, check whether you want variable or fixed Interest rates and a secured or unsecured car loan.
What are the pros and cons?
Getting a car loan can help you buy the vehicle of your choice. Most lenders will let you know about your application quickly and in many cases you can complete an online application. Make sure the terms of your car loan are reasonable, and that you are repaying the sum you have borrowed without suffering any financial hardship.
If you come across an extremely low advertised rate, you should always check the comparison rate alongside it, as this takes into account any extra fees and charges.
Senior Financial Writer
Mark Bristow is a senior financial writer for RateCity and an experienced analyst, researcher, and producer. Working for over ten years, Mark previously wrote and researched commercial real estate at CoreLogic, and has seen articles published at Lifehacker and Business Insider, among others. Most recently, Mark has joined RateCity working across finance as a whole. Whatever the topic, Mark’s goal is always to provide simple solutions to complex problems.
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