As 2025 draws to a close, car showrooms across Australia start to sparkle with “clearance” and “run-out” deals. For many buyers, it’s more than just marketing hype — it’s genuinely one of the best times of year to buy a car. Dealers want to move 2025-plated stock before 2026 models arrive, which means buyers often benefit from sharper prices, added bonuses, or generous trade-in offers. If you plan ahead — especially when it comes to your car finance — this timing can help you save thousands over the life of your loan.
Why Do End-of-Year Car Deals Exist?
Every dealership works on an annual sales cycle linked to model years. Once January arrives, a car manufactured in 2025 is suddenly considered “last year’s model,” even if it’s brand new. To make room for new stock and hit annual sales targets, dealers often offer discounted pricing, free accessories, and flexible finance promotions. It’s a win-win period: dealers reduce inventory, and buyers get stronger negotiating power. But while the car’s price might drop, your real savings come from structuring your finance the right way.
Smart Ways to Finance Your End-of-Year Car Purchase
The right finance structure can have just as much impact as the purchase price itself. Here’s an overview of common vehicle finance options available through experienced brokers like Natloans, and how they suit different types of buyers.
Secured Car Loans
A secured car loan uses your new vehicle as security for the lender, which typically provides access to better terms and predictable fixed repayments. This is often the best option for buyers of new or near-new vehicles from licensed dealers. With the car backing the loan, approvals are usually fast and the process straightforward.
Personal Loans for Car Purchases
If you’re buying privately or purchasing an older model, an unsecured personal loan can offer more flexibility.
While it doesn’t use the vehicle as collateral, it gives you freedom of choice — particularly for older cars, classic vehicles, or purchases from private sellers.
Electric Vehicle (EV) Loans
With more Australians switching to electric cars, lenders are now offering dedicated EV finance options. These loans may feature flexible repayment terms and are often structured to support energy-efficient purchases. Choosing an EV can not only reduce your environmental impact but also your long-term running costs.
Why Pre-Approval Is a Smart Move
One of the smartest things you can do before visiting a dealership is to get car finance pre-approval. It’s a simple step that can give you a major advantage by defining your budget, helping you negotiate with confidence, and avoiding high-pressure dealer finance offers. Working with a great car finance broker like Natloans gives you access to a wide range of banks and non-bank lenders, helping you compare options and structure your loan to suit your lifestyle and goals.
Considering a Car Loan Refinance?
Even if you’re not buying a new car this summer, the end of the year can still be a great time to review or refinance your current loan. Many Australians are surprised to learn they can save money simply by revisiting their loan terms — especially if their credit score has improved or interest rates have shifted. Refinancing can help lower repayments, reduce total interest paid, or consolidate multiple debts into one manageable payment.
Preparing for a Smart Purchase
Buying a car — even with discounts on offer — is still a major financial decision. Before signing anything, make sure you set a clear budget, research car values, secure your finance early, compare lenders, and read the fine print. Approach your purchase with planning and patience, and you’ll avoid the pitfalls of rushed end-of-year buying.
The Bottom Line
Buying a car before the new year can deliver exceptional value — but the real key to long-term savings lies in financing it smartly. Whether you’re buying new, upgrading, or reviewing your existing loan, working with a trusted car finance broker can help you make informed, confident decisions. At Natloans, we specialise in helping Australians secure great-value car finance tailored to their
needs — from first cars to family SUVs and electric vehicles. With access to over 50 lenders, our team can guide you through every step, ensuring you drive away with a deal that’s right for you.
Frequently Asked Questions
Why is the end of the year a good time to buy a car? Dealers want to move “current year” models before new stock arrives. This pressure to clear inventory often leads to significant discounts and added incentives.
Is pre-approval worth it? Yes — it helps you understand your budget upfront and negotiate from a position of strength, avoiding dealer finance traps.
What’s the difference between a secured and unsecured car loan? A secured loan uses your vehicle as collateral, generally providing better terms. An unsecured loan doesn’t tie the asset to the finance and offers greater flexibility.
Can I refinance an existing car loan? Absolutely. Refinancing can lower repayments, shorten your term, or consolidate debt. A quick review with a broker can highlight potential savings.
Are electric vehicle (EV) loans different from standard car loans? Yes. Some lenders offer specialised EV loans with flexible terms or incentives for choosing environmentally friendly vehicles.
Why use a car finance broker instead of a bank or dealer? A broker compares multiple lenders for you, tailoring the structure and repayments to your goals. This independent access often results in better value and less stress.
Disclaimer: The information in this article is general and does not constitute personal advice. Always seek independent financial guidance before making borrowing decisions. All loan applications are subject to lender approval and eligibility criteria.
