Six simple steps to your new wheels.

From getting in touch, to choosing seat covers, six steps is all it takes for you to get on the road
Get in touch
Get in touch to discuss your current financial situation and goals, in person or online.
the shortlist
We’ll compare a long list of loan providers and create a shortlist that’s sure to suit you.
the green light
Once you’ve chosen a lender, we'll get you pre-approved so you know your borrowing capacity.
test drive
With pre-approval under your belt, you can finally start looking for your new car and take a few test drives.
secure the finance
Once you’ve decided on your new set of wheels, we’ll work to secure finance from your lender.
drive away
Now, all you need to do is make an offer. If all is well and good, simply pick up the key and drive away.

Understanding loan types and features

Secured loans
You provide collateral (such as the car or property) as security against the loan in case you can’t afford your repayments.
Lenders typically offer lower rates for secured loans (vs an unsecured loan) because there is less of a risk to them.
Unsecured loans
​No additional security (e.g. your car or property) is provided against the loan. Instead the lender will rely on your credit score when they decide whether or not to approve you for the loan. 
Interest rates can be higher than a secured loan and you might not be able to borrow as much.
Fixed rate
​Your interest rate and repayments will stay the same during the fixed term of your car loan.

Other things to consider:
Balloon payments.

What?
You choose to pay a larger sum of the loan value at the end of the loan term. The sum you pay is usually based on a fixed percentage of the total loan value.
Why?
​Reduce your repayments when you first start paying off the loan.
Consider how this will affect the amount of interest you pay over the life of the loan and the total amount that is left to pay at the end of your monthly repayment term. The remaining sum will need to be paid in full in one lump sum. 
How do I know if this is right for me?
​We can help you understand whether this approach suits your needs and run through the considerations and benefits in more detail. Get in touch.


​Calculators
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Finance Logic Group Pty Ltd (t/a Finance Logic) ACN 607 123 160 is authorised under BLSSA Pty Ltd Australian Credit Licence 391237
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.
*There may be occasions where you may be charged a fee by your broker. 
*Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
*Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
​*The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage
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