Volvo Finance Options

Buying a Volvo? You'll be joining thousands of other Australians – here are all your best Volvo car finance options.

No obligation. It won't affect your credit score.
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, updated on July 11th, 2023       

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Low rate Volvo car finance options

Looking to buy a Volvo? Perhaps you've got your eye on a top-of-the-line Volvo V90 (maybe hoping to take advantage of the hybrid engine). Or maybe you're more interested in a good condition Volvo 850 with low milage on the clock.

Either way, if you're looking for a car loan to help purchase your Volvo of choice, talk to Savvy! Our team of brokers are experts in automotive finance with years of experience in the field, and we'd love to help you get on the road. Get in touch with us today for a no-cost, no-obligation quote, and let us help you find great, affordable Volvo finance with a minimum of hassle!

Car Loans for Volvo

Features of getting Volvo finance with Savvy

Low interest rates

A loan through Savvy offers highly competitive deals on Volvo finance, with a vast range of partnered reputable lenders giving you more choice.

Set payments

With a loan through one of Savvy's selection of lenders, repayments are set – using fixed interest rates to protect your loan from national rate increases.

Factory showroom or private garage

When getting Volvo finance through Savvy, you can choose the type of vender you wish to buy from – whether that be a dedicated Volvo dealership or a private seller.

Full funding

With a loan secured through a Savvy broker, you can borrow from $5,000 up to the full amount of the car. There's no need to provide a deposit.

Any milage

With a loan through Savvy, you're free to buy new or used – the age of the car is no obstacle. Or you could split the difference, and go for an ex-demonstration model.

No extra collateral needed

A Savvy car loan is already secured – the car itself is used as collateral on the loan, meaning less risk for the lender and more affordable rates for you!

You set the clock

With Savvy, you set the duration of the loan to suit your own needs. You could choose to settle the debt in as little as 12 months, or spread repayments out for up to 7 years.

Sensible fees

Savvy's range of lenders offer reasonable fees, with a setup costs around $100-$600, and monthly admin fees around $5-$20. We even have a number of no-fee loan options.

How do I finance a Volvo for my business through Savvy?

Chattel mortgage

A chattel mortgage is similar to a car loan – in both cases you take ownership of the vehicle immediately, which is then used as security on the loan. A hire purchase can also put you in the driver’s seat, but it differs in that you don't technically own the vehicle until the conclusion of the loan – you're leasing it off the lender until the loan is settled, at which point ownership is transferred to you. This offers different tax benefits to a chattel mortgage.

Car lease

If owning the Volvo in question isn't as important as using it is, you might consider a commercial car lease as an option – where you lease the vehicle off the lender without any option to buy. This can be a very handy choice if you want the option of being able to upgrade to a newer vehicle at the conclusion of the lease – because the lender retains ownership of the previous vehicle, it's their problem – you can simply negotiate a new lease for a newer model Volvo.

What sets Savvy apart when it comes to Volvo finance?

How to save on your Volvo car loan

Frequently asked questions about Volvo finance

Can I choose how often I make repayments?

Yes, with a loan arranged through a Savvy broker, you have the flexibility to choose how frequently you wish to pay – weekly, fortnightly, or monthly. This means you can match your car payments to your pay cycle, to simplify your budget.

If I'm getting finance for a Volvo, can I still choose my insurer?

Yes, although you're required to have full comprehensive insurance on a vehicle you've purchased with lender finance, you're allowed to choose whichever insurer you want to go with.

How quickly can I arrange car finance for a new Volvo?

With Savvy, a secured car loan for a Volvo can be turned around in as few as 24-48 hours. This is from when you choose a loan and start your application, to when you sign and approve your final loan contract. However, there are many factors which can impact the speed of your application, such as when you apply and whether your lender requires further documentation before approval.

Is it worth getting pre-approved for a car loan?

Pre-approval is different to final approval – it's more of an indication of what your lender may be willing to approve your loan for if everything in your application is correct and your circumstances don't change (although this is non-binding). There's still plenty of benefit to getting pre-approved, though, as it allows you to go out car shopping with a clear idea of your car budget.

Can my loan cover expenses like stamp duty?

Yes, a loan can include secondary car purchase expenses like stamp duty, registration, and insurance.

If I'm, buying a second-hand Volvo, am I better off buying from a dealer?

It depends. A dealer isn't going to let a car go for less than he thinks it's worth, so you're unlikely to get those once-in-a-lifetime deals from a dealership. But there are also advantages to a dealer – such as three-month statutory warranties on many second-hand vehicles.

Private sellers also generally don't have mechanics on hand to check their cars over – so it's worth getting a car inspected before buying from a private seller, to make sure there are no mechanical issues.