Car Finance South Australia
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Let Savvy help you with your car loan today
Finding car finance in South Australia doesn’t have to be difficult. There’s a wide range of options at your disposal, from which you’ll be able to find a car loan to suit your personal financial needs. .
At Savvy, we help South Australians up and down the state, from down in Adelaide up to Coober Pedy and from Port Augusta right across to Pike River. No matter where you live, you’ll find better deals from a diverse panel of national banks, independent lenders, and local institutions – so you can apply and save money from anywhere. Sophisticated digital systems allow our people to match borrowers with lenders all over the country, producing quicker, more successful car finance results for South Australians all over the state – not just in the major urban centres.
Find out more about your South Australian car finance options here, as well as how to secure the best one for you.
Low interest rates
Loan amount from $5,000
Flexible repayments
No early termination fees
Personalised rates
New or used, private or dealer
100% finance available
Anywhere in South Australia
How do car finance interest rates work?
Your credit file
Who you are influences your interest rate. Everything from your age to how much existing credit you have and whether you’re a homeowner can affect how much of a risk you pose to a lender. Lenders also check your credit score for past borrowing problems and your spending to arrive at your disposable income. That can affect how much they charge and how much they’re prepared to lend.
Your vehicle
Older cars often cost more to finance than newer ones. That’s because with a secured car loan, for example, the lender looks to lower their risks, so the better the car you present, the happier they are to lend money. Older cars are less reliable and less likely to last the loan term.
Supporting documents
The more supporting evidence you can provide for your type of loan, the better. That makes it easier for the lender to make a favourable decision, and it also assures them that the details on your application are accurate. For example, self-employed borrowers sometimes use low doc car loans because of a lack of standard documentation, which drives up the interest rate.
Your employment history
Lenders love to see a steady employment history when you apply for a car loan. The longer you’ve been in your job, the less of a risk you pose because the loan provider will see you as a steady hand with a regular, ongoing income. Changing jobs just before a loan application and re-entering a probationary period can see your interest rate rise or your application rejected altogether.
What our customers say about their finance experience
Savvy is rated 4.8 for customer satisfaction by 5011 customers.
