Car Finance South Australia

Discover cheaper, convenient car finance options in South Australia
No obligation. It won't affect your credit score.
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, updated on July 4th, 2023       

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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?

Frequently asked questions about car loans

What are the benefits of using a balloon payment?

Many Australian car buyers use a balloon payment – also referred to as a residual amount – to reduce the regular costs of their car finance. So long as you stick to a realistic figure, it’s very likely your car’s value will cover the cost of your balloon payment at the end of the term. You can also choose to refinance a residual payment and extend your car loan for a few more years.

What lenders can I choose for my car loan application?

You can spread your search and compare lenders, interest rates and products from all over the country, no matter which part of South Australia you live in. Don’t settle for a quote from just one lender: getting finance from your bank is sort of like opting for the convenience of finance at the car dealership while you’re there – it can prove costly to not assess your options.

Can I still get car finance with bad credit?

Yes – specialist car loan providers will assess bad credit car loan applications on their merits. While interest rates for borrowers with poorer credit scores are always going to be higher, but you can do a couple of things to drag that cost back down Using your car as security means you’re starting from a good place in terms of the rate, for instance, and using a deposit can help you pay less too.

Can I trade in my car?

Yes – you can use a trade-in with a car loan or choose to borrow 100% of your new car cost. You can also opt to use a cash deposit with a car loan, which will reduce both the monthly and overall costs of your vehicle finance.

How long will it take me to pay back my car finance?

Car finance can run for anything between one and seven years. The faster you repay a loan, the less it costs, but spreading the cost of a car purchase is a necessity for many borrowers. The good news is that because your car provides security for your borrowing, interest rates for car loans are more affordable.

I’ve been offered 0% car finance at an Adelaide dealership. Do I take it?

Probably not – it’s hardly ever a good idea to jump straight in on the first offer, and car dealers can offer incentives with one hand and hike up prices with the other. They’ve also been known to reserve the best finance deals for vehicles they need to move on, so you might not be able to get the car or model you want with dealership finance. Low interest rates and even zero per cent finance may also often come with high fees, so it’s often better to walk away and figure out your options with a cool head.

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