Car Finance from 3.99% p.a.

Low rate car finance and same day approvals. See yourself how much can you save on your car loan. (4.36% p.a. comparison rate)

No obligation. It won't affect your credit score.

Last updated on April 21st, 2022 at 03:11 pm by Bill Tsouvalas

Lock in a great car finance rate with Savvy

Car finance made easy with Savvy

Saving on car finance is made easy by approaching Savvy. If you are in the market for a new car, looking for the most competitive car finance option can take as much time – if not more. Though we all know what we want when it comes to car features be it leather seats, infotainment, turbo, or traction control; it’s harder to pick which car finance deal is right for you. We find loans from over 25 lenders and work hard to ensure you’ve got the most competitive deal..

Fast and easy applications

Applying with us is fast and easy – and you can complete the process online. Using the latest in technology we can process your application with a minimum of delay. Our automated systems are 100% secure and you can complete the process within the same day (though this can vary.) If you have questions, your dedicated loan consultant is on hand to provide answers and guidance through the whole process. We help people with bad credit gain car finance too – ask a loan consultant for more information.

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See how Savvy can help you in your car loan

Your estimated repayments


Total interest paid: $1233.43
Total amount to pay: $5,143.99

Disclaimer:  The results provided is an estimate only and should not be relied on as a true indication of a car loan quote.

What you need to consider when taking up car finance

Answering your car finance questions

How do I apply?

You can apply for car finance online using our secure portal. Our automated process is secure and you can get your car finance approved within 24 hours.

What is a comparison rate?

A comparison rate is a tool you can use to ensure you are making an “apples for apples” comparison between two loans. Comparison rates, shown as a percentage per annum, include the usual base interest rate plus most mandatory fees. This means you can eliminate guesswork when putting two (or more) loans side by side.

How do I use a car loan calculator?

Click here for Savvy’s calculator. To get a rough estimate of your repayments, you will need the following three pieces of information: the amount you want to borrow, the interest rate, and your loan term. For a more accurate estimate, it helps to have a comparison rate.

What loan term should I choose?

You can choose car finance terms ranging from 12 months all the way to 7 years with our panel of lending options. However, the longer the term, the more you will pay in interest. A shorter loan term will require remarkably high repayments to fit the loan into that short a time.

What is a balloon payment?

balloon payment is a portion of the loan set aside for payment when the loan term is up. This lump sum ranges from 20-50% of the total loan.

What are my options to finance a car for business use?

Customers who will use a car 50% or more for business use are encouraged to apply for a chattel mortgage or hire purchase loan. These loans have many tax benefits and other deductions not available in a consumer car loan.

I have bad credit; can I get car finance?

Yes, we’ve helped dozens of Australians get the car finance they need despite having bad credit. Ask your loan consultant for more information.

How much should I borrow?

Your borrowing power is determined by how much you can comfortably afford in repayments each month after deducting your expenses from income. However, the best practice is to aim to spend 10% of your monthly income as a total expenditure on your car as an absolute maximum.