Avoid the speed bumps and let our brokers find the car loan right for you, and your new ride. With access to car loans from Australia’s top lenders, Ingram Financial can get you on the road in no time.
Our Process
From saying hello, to new seat covers, six steps is all it takes for you to get on the road.
Get in touch to discuss your current financial situation and goals, in person or online.
We’ll compare a long list of car loan providers and create a shortlist that’s sure to suit you.
Once you’ve chosen a lender, we’ll get you pre-approved so you know your borrowing capacity.
With pre-approval under your belt, you can finally start looking for your new ride. To take the hassle out of the hunt, we can also set you up with simple to use car buying services.
Once you’ve given your new ride a test drive and have decided on your new set of wheels, we’ll work to secure finance from your lender.
Now, all you need to do is make an offer. If all is well and good, simply pick up the key and drive away (into the sunset, of course).
Loan types and features
There are a number of different loan types and features available to you, learn more below. We are here to help answer your questions when you’re ready.
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 for 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.
Variable Rate
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans can offer more flexible features like unlimited additional repayments.
Fixed Rate
Your interest rate and repayments will stay the same during the fixed term of your personal loan.
Ready to get the show on the road? Reach out today so we can find the perfect loan for your new wheels.