car loans

let stellar finance group help steer you to the perfect car loan for your new ride.

who doesnt love that new car smell?!

Getting a car loan can be surprisingly straightforward. With clear information and the right documents in hand, you can quickly secure financing to drive away in your new car.

buy as a consumer

Buying a car? Streamline the process and reap the benefits of smart financing. Get competitive rates and flexible terms to fit your budget, and drive off faster

buy within your business

Purchasing a vehicle for your business? Leverage commercial financing to secure competitive rates and flexible terms, enhancing your operational efficiency without compromising cash flow.
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Car loans

Gear up with the right knowledge for your new wheels!

Thinking of buying a new ride? Understanding how car loans work and the options available to you is crucial to making a smart and affordable purchase
Car loans

which one is for you?

Secured Car Loans: By offering collateral—such as your car or property—you secure the loan, providing assurance to lenders. This security decreases their risk, allowing them to offer you lower interest rates compared to unsecured loans where no collateral is required.
Unsecured Car Loans: No collateral needed, but typically higher interest rates.
Lease Agreements: Renting the car with an option to buy at the end of the term.

we will help you decide on the right type for you

SECURED: By offering collateral such as your car or property you secure the loan, providing assurance to lenders. This security decreases their risk, allowing them to offer you lower interest rates compared to unsecured loans where no collateral is required.

UNSECURED: This loan doesn’t require additional security, like your car or property. Instead, approval depends on your credit score. Be aware that interest rates may be higher than those for secured loans, and the amount you can borrow might be less.

FIXED RATE: Your interest rate and repayments will stay the same during the fixed term of your car loan.

WHAt about a balloon

Opt for a balloon payment to pay a larger portion of the loan's value at the end of your term. This sum is typically a predetermined percentage of the total loan amount.

This setup helps reduce your initial monthly payments, giving you more financial flexibility when you start repaying your loan.

Think about how this affects the total interest paid over the life of the loan and the final amount you owe. Remember, the remaining balloon payment will need to be settled in one full sum at the end of your term.

Let us guide you through whether a balloon payment fits your financial strategy. We'll discuss the benefits and factors to consider in more detail. Get in touch to learn more.

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Stellar Finance Group are used by ambitious people who want straight-talking guidance, personalised service, and amazing outcomes. We help ambitious people in Sydney – and beyond – achieve their big dreams!
Savvy Finance Pty Ltd ABN 85625275667 is authorised under LMG Broker Services Pty Ltd Australian Credit Licence 517192.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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