Are you looking for low Interest car finance for a new car? Or second hand car finance? Or business car finance? We get low interest car finance for you from anywhere in Australia
Low Interest Car Finance
Do you need to get car finance? Specifically; low interest car finance? We specialize in getting all types of car finance / vehicle finance for all people. This is why our tagline is ‘We get low interest car finance for you from anywhere in Australia’.
We have experience in helping people from all walks of life get anything from self employed car finance to a used vehicle loan.
Furthermore, if you need help either buying your next car OR selling your existing car, Get a Loan With Harvey offers a vehicle advocacy service called Find a Car For Me. Click here for more.
Benefits of Using a Finance Broker for Low Interest Car Finance Over a Bank
Getting different types of car finance from one of the big banks can be difficult. For one thing, get used to waiting in lines; there are plenty of them. Also, get used to speaking to people who are nameless and faceless; there are plenty of those too.
Then there’s the paperwork and big company protocols…For them to approve a loan will take a lot of paperwork for you to submit the loan. Once you have submitted the paperwork, it will also take a lot of time for your application to be processed. When you only need or want low interest car finance Australia-wide quickly; this is less than ideal.
The difference when using a non-bank is that the application process for vehicle finance is fast and easy. We only request the minimal amount of information from you for your low interest car finance deal. We also put your application in front of multiple lenders. This means that we can get you an ideal low interest car finance deal and/or business car finance deal for your individual needs and circumstances.
FAQ’s
The term vehicle finance is as simple concept as it sounds. However, there are a few things to take note of as there are different types of car finance.
One of these types of car finance requires the borrower (you) to put up your assets against the loan.
These assets may include the following:
- another car/motorcycle/commercial vehicle
- property
- business assets
- boat
- anything else of value.
This means that if the borrower defaults on the loan; all assets that have been put up against your low Interest car finance can be used by the lender to recover any costs.
In comparison, there are also other types of car finance, you do not need to place any collateral as a guarantee against your loan. Thus, unsecured personal car loans where the loan is only secured against the car you are buying is riskier for the lender than secured loans as cars are mostly depreciating assets. For this reason, lenders will generally lend smaller amounts for unsecured personal car loans with limited term lengths. Depending on your situation; unsecured personal car loans make sense.
Also Get a Loan with Harvey Milder offers a specifical website where you can get a personal loan, specifically a low interest personal loan via our personal loan website.
We know that your assets such as your car or home are important to you and you might not want to risk them to get a personal loan. Fortunately, the very nature of unsecured personal loans do not require you to put any collateral you may have against your unsecured personal loan.
If you need a loan of a higher amount than $50,000; you may need to put some security against that loan. If that is the case; we will still work together with you to find your best place to get a personal loan.
In order for you as the borrower to qualify for business car finance, there is some information that you will need to provide. The amount of time that you’ve been in business, if you’re GST registered and any property owned. Furthermore, your business cashflow situation, tax situation and business structure may need to be analysed.
In addition to getting, you a low Interest car finance deal when you are applying for business car finance, we may be able to help you to find a good deal on insurance too.
To determine if you are eligible to receive low interest car finance, you will be required to provide information as outlined above.
Some of these assets used to determine your eligibility for low interest car finance may be:
- a car; and/or
- property; and/or
- business assets; and/or
- boat; and/or
- anything else of value.
To assess if you’re eligible for low interest business car finance, we won’t ask you to submit endless amounts of paperwork for us to find you the best place to get business car finance.
Information such as the amount of time that you’ve been in business, if you’re GST registered and any property owned will be helpful for you to get business car finance.
Keeping your information safe when applying for your low interest car finance or low interest business car finance.
So, if you’re thinking to yourself ‘I need low interest car finance/ business car finance but want to keep my information secure’ You can rest assure that we’ve taken great lengths to ensure that our website is secure and we have also have our privacy policy
Furthermore, there is the Get a Loan With Harvey Milder privacy policy
As you’re probably aware, the biggest expense related to a loan is the interest. As every person has a unique situation, this will be based on:
- Your cash flow stability
Our team will assess the risk of your loan to arrive at an interest rate. We’ll do everything in our power to provide a fair rate that you’ll be comfortable with
When you take out a Low Interest Car Finance or business car finance with one of our lenders, you’ll know exactly how much you are required to pay, and when.
After we have gotten beyond the ‘I need Low Interest Car Finance or business car finance‘ stage; there will be a clear repayment schedule that will be outlined for you to follow from the day that you receive the loan approval. If you keep with your tailored repayment schedule, you will not be required to pay any extra money that was set by the lender.
From time to time, a borrower may default on a Low Interest Car Finance or business car finance most usually due to circumstances that are often out of their control.
Lenders may be willing to forgive a few late payments and/or even a few missed payments however, doing either of these consistently may lead to a default on your loan.
If you default on your low interest car finance or business car finance, a lender may choose to increase interest payments, charge late fees or file a lawsuit to claim personal and/or business assets to minimize their loses.
By defaulting on a loan; your credit rating will lower significantly making any future loans more difficult if should you need it.
That all said; nobody including and especially the lender wants you to default on your low interest car finance or business car finance. If you are struggling to make repayments and are considering defaulting; always speak to your lender first. They may be able to offer you assistance so that you have more options and can therefore avoid the results of defaulting on your low interest car finance or business car finance.