At Agility Financial Services, we have assisted thousands of Australian's with Car Finance to help them secure the Car they need for work or pleasure!

We know that you’re always better off with a few tricks and tips up your sleeve to help you identify a good lender. Knowledge is power and we believe that it is best to start the conversation about borrowing money with all the information you can get your hands on!

1. Know Your Budget

As experienced lenders, we always ask our clients about what their budget is. By making sure you know what you can and cannot afford before locking yourself into a loan, this will help you avoid putting yourself under financial strain.

Do your research, find out exactly what your car is going to cost! Think of the extra costs associated with purchasing a car, not just the cost of the vehicle itself. Spend some time calculating what repayments will be. Another great tip is to also budget for the annual cost of running the car. Don't forget fuel, registration, servicing costs and incidentals.

2. Choose Your Loan Type

Choosing the correct loan type is an important step to ensuring that you can handle your loan repayments. There are many loan options out there. Generally speaking, if you are on a tighter budget a fixed rate loan is probably for you. However if you have a bit of budget flexibility then a variable rate loan could be a better fit.

You'll also need to decide if you would prefer to risk your new purchase in a secured loan or whether you'd prefer to pay for an unsecured loan. If all these terms are foreign to you don't stress! We are happy to have a chat about everything free of charge! Contact Us Here >

3. New or Used Car?

The kind of loan you choose may be determined by whether you buy a new or used car. Some loans are designed for purchases of one or the other, so it's important to clarify this early on. At Agility Automotive, we specialise in Used Car loans and sell a range of cars that are all in great condition for competitive prices! You can view our range of Cars here > 

4. Loan Features To Look Out For

The trick is to finding a loan with the best features for you is to consider the following:

Can you make extra payments on your loan without penalty?
Can you pay out your loan early without penalty?
What are the interest rates?
Can you choose your repayment period?
Are there any additional hidden fees?
How long does it take to be approved?

5. Prepare Your Documentation

You wouldn't believe how many people forget this step! It is crucial to have all the correct documentation before you're good to sign your loan contract. At Agility Financial Services we help you with this step to ensure that the process is as smooth and quick as possible. Contact us and find out what documentation is required, such as credit history information, identification and proof of income, as these can often take time to organise and source.

6. Get Insurance

As Car Loan experts, we recommend that you consider taking out insurance on the loan itself as insurance can be a lifesaver in unforeseen emergencies. In addition to this, Compulsory Third Party (CTP) insurance is probably the most important form of insurance you need, however knowing the advantages and costs involved of maintaining comprehensive insurance is extremely important.

And there you have it! Some simple tips to helping you secure the Car Finance that you need! Based in the Sutherland Shire, Agility Financial Services are fully equipped to handling any Car Finance request. With over 36+ years experience in loan servicing, there isn't much we don't know about car loan financing. We pride ourselves on our honest, transparent approach to all car finance enquiries and believe that differentiates us from major lenders. Feel free to Contact Us today and have an open and free discussion about getting the car finance you need.