Car Loans Australia Articles

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Car Loans Articles

Your Car Loan Journey: From Application to Approval

In this article, we are embarking on a guided journey that we believe will help immensely in navigating the intricacies of the car loan process. - read more

Beginner's Guide to Secured vs Unsecured Car Loans in Australia

Buying a car is a significant financial decision, and understanding the loan terms involved is crucial to navigating this process effectively. Loan terms can dramatically affect how much you end up paying over the life of your loan, and they play a pivotal role in ensuring that you are empowered during the car buying process. These terms determine your monthly payments, interest rates, and the total cost of the car in the long run. - read more

Car Loans: Secured vs Unsecured

Car loans play a pivotal role in empowering individuals to afford their own vehicle, which can be a significant purchase. These loans, structured to fit within one's financial situation, can ease the burden of acquiring a car and assist in achieving personal convenience and mobility. - read more

The Pros and Cons of Car Loans for Used Vehicles in Australia

With the rising cost of living, many Australians are opting for used vehicles as a cost-effective alternative to brand-new cars. Buying a used car can offer significant savings, reducing the initial financial burden while still providing reliable transportation. - read more

Pre-purchase Checklist for Auto Buyers: Ensuring Financial Readiness

Buying a car is an exciting milestone, but it's crucial to approach the process with a clear financial plan in place. Before you get swept away by the shiny showroom models or the thrill of a test drive, understanding the financial implications of purchasing a vehicle can save you from future stress and unwanted debt. Preparing before applying for a car loan is not just recommended; it's a necessary step that directly influences loan terms and your chances of approval. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

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Finance News

December Sees Decline in Used Car Sales and Values, Reports AADA

19 Dec 2025: Paige Estritori

The Australian Automotive Dealer Association (AADA) has released its December 2025 Automotive Insight Report (AIR), revealing a notable downturn in the used car market. After a period of oversupply, the market experienced a 3.8% reduction in listings, bringing the total to 322,532 vehicles. Despite this decrease in supply, sales figures declined more sharply by 8.1%, totaling 181,724 units for the month. - read more

RBA Maintains Cash Rate at 3.60%, Hints at Future Increases

11 Dec 2025: Paige Estritori

The Reserve Bank of Australia (RBA) has decided to keep the cash rate steady at 3.60% during its final policy meeting of 2025. This decision comes amid rising inflation, which reached 3.8% in October, surpassing the RBA's target range of 2-3%. The central bank has indicated that if inflationary pressures persist, future rate hikes may be necessary. - read more

ASIC's Review Highlights Concerns in Car Finance Practices

11 Dec 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the motor vehicle finance sector, uncovering significant issues that raise concerns about responsible lending practices. The findings indicate that some consumers are being subjected to exorbitant fees and are defaulting on their loans shortly after approval. - read more

Bank Australia Shifts Focus to Electric Vehicle Financing

11 Dec 2025: Paige Estritori

In a bold move towards environmental sustainability, Bank Australia has ceased offering loans for new petrol, diesel, and hybrid vehicles as of February 2025. This policy change aligns with the bank's commitment to achieving net-zero carbon emissions by 2035. - read more

ASIC's Review Highlights Concerns in Car Finance Practices

03 Dec 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review of the nation's motor vehicle finance sector, uncovering significant issues that raise concerns about responsible lending practices. The findings indicate that some consumers are being subjected to exorbitant fees and are defaulting on their loans shortly after approval. - read more

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Knowledgebase

Inflation:
The rate at which the general level of prices for goods and services rises, eroding purchasing power.

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