Finding the right car

Dec 16
2010
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When in comes to finding the right car it can often be quite difficult due to the huge range of cars in the market. There are all sorts of designs, colors and varying features. Although they are all used for the same purpose the extent of luxury varies significantly depending on the make/model.

If you know nothing about car shopping you have a few things to learn! Finding yourself the perfect car can be done online, by a dealership or even in the local trading post. The first place to start is at the car yard, allowing you to choose a car that you like and is between your budget. Once you have chosen a few cars of interest your investigation begins in order to narrow your search down.

Websites such as www.carsales.com.au offer a wide range of new and used cars, allowing you to search according to the make, model and even location in which the car is currently in.  This is the most popular way of finding a car, checking online daily to see if the right car is on the market.  If and when you find the car, call the owner to pop by for a test drive! Remember to ask:

  • Whether the car has been completely paid off?
  • When the registration is due?
  • If the car has been in any major accidents?

If the car has traveled a significant amount of kilometers you may be able to negotiate with the owner to drop the price even further. Look for any flaws of the vehicle, even if it is a scratch here and there to drop the price to a satisfactory one!

If you aren’t up with technology the trading post is a great way to find your car! Although you may not be able to see a visual at all times, if you know what you want it should be fine due to you will be taking it on a test drive before you make the purchase.

Knowing what you want to buy will allow you to find the best deal available and narrow down your search quickly. Reading up on reviews will also guide you in the right direction. For more information on what deals are available on new and used cars contact Natloans on 1300 955 791 or visit the website www.natloans.com.au

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Cash for Clunkers Program

Nov 29
2010
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Before Gillard was elected to be Prime Minister she proposed the “Cash for Clunkers Program”, now the citizens of Australia are eligible for this benefit if they meet the criteria. This program has been proven successful in European countries, that is many individuals are favoring newer and smaller cars. What happens during this process is that individuals trade in their car that has aged significantly and receive 1,000-2,500 euros to go towards a new vehicle that is better for the environment.

As of January 2011-2014 Gillard will provide up to $394 million to support motorist in buying new, low emission, fuel efficient vehicles. This aims to reduce carbon dioxide emissions of one million tones, whilst at the same time removing 200,000 pre-1995 cars off the road. This will benefit motorists in two aspects: saving $344 million in fuel costs and they will be traveling in safer cars!

There are a few conditions:

  • Your car must be given up to be crushed and sold as scrap metal.
  • You must be purchasing a new vehicle to be eligible for the $2,000 rebate.
  • There is a list of specific vehicles you may choose from, there are at least 370 vehicles that are eligible so you shouldn’t have too much difficulties finding a car that suites your needs. Some vehicles that you can choose from are: Toyota Prius, Suzuki Auto, Holden Barina Spark, Honda Jazz or the Hyundai Getz.

This program has proven to be quite successful internationally, if Australians are open to this suggestion we will be cutting down on a significant amount of pollution that will benefit us all in the long run. If you are considering financing a new vehicle contact Natloans on 1300 955 791, to see if you are eligible for these funds in the new year!

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Getting a car loan quick with Natloans

Mar 11
2010
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Looking for a car loan? Need to get it now?Natloans can get you driving your new car within 24 hours. Our loans writersare car loan specialists. You can apply online in less than 5 minutes or youcan call us on 1300 628 562. You will get an answer within 10 minutes and yourapplication will be passed to a loan writer to access and they will contact.

The best thing to do is to first getpre-approval. That way you can go shopping for your new car knowing how muchyou have to play with. You will also be able to negotiate on the sale of thecar and get the best deal.

We have personal unsecured and secured carloans to give you as many options and flexibility as possible.

Our car loan benefits

  • The interest rate is fixed for the term of th loan
  • Your repayments are fixed for the term of the loan
  • We have $0 penalties on extra payments
  • Great competitive interest rates
  • Super fast approval
  • The car can be used or new
  • We have car loan terms of up to 7 years
  • You can choose to have a residual/balloon at the end of the car loan
  • The car can be purchased from a dealer or private sale

“Why use a broker?

Weall know how a mortgage broker can save us money on our home loan. A broker canalso save us money on consumer products like car loans bike loans”

Reasons for choosing abroker:

  1. Save yuo money
  2. Lower fees
  3. great interest rates

What does a brokerlook at?

  1. Yourincome – a realistic figure within your means
  2. Car choice- under 10 years old – less risk
  3. Employment– stable employment ideally constant over long periods
  4. Credithistory – capacity to meet repayments – check your credit record”

Shop for the best deal

This means you willneed to investigate

  • Monthly fee
  • Account keeping fee
  • Government fee
  • Transfer fee
  • Application fee

Evan if the interest rate is low but the above fees and charges areinclude they could add 3% to the interest rate.

Making it high x% + 3%

Don’t just shop for the interest rate.

Sometimes people will only shop for the interest rate and forget to ask about the associated fees and charges that may come witht the car loan product.

Compare totalrepayments

·      Not just the rate but fees and charges

Compare features andbenefits

  • Monthly administration fees
  • On going bank fees
  • Penalties for early payouts
  • Is the loan daily reducible?

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