Are you debating whether to purchase a new or used car?

It is quite exciting knowing you will be driving around in a new vehicle, however have you really thought about whether it’s worth purchasing a brand new vehicle? Yes, surely you will be the very first owner, but is it really worth it?

If you have money to spare go for it! These days you can purchase a vehicle that is only a few years old and majority of these cars are as good as new and there are hundreds to choose from (i.e. Mazda 6, Holden Commodore, Toyota Yaris, Honda Accord). At the end of the day each car has the same features and performance levels, the only difference is the price you pay.

Another target market that would suit the category “used cars”, are new drivers. Statistics reveal that young and new drivers have a higher chance of being in a car accident or will bump their car here and there unintentionally. Why pay for a new car knowing that the moment you drive away from the dealer the price will drop a few thousand.

 

Where to find your next purchase?

The two broad categories you can start searching is either online websites or pop in to your local dealership. It would be ideal to begin at a dealership where you can see a range of vehicles, to choose what model suits you best and this also allows you to see what prices are applicable for each.

Having a few models in mind will guide you in the right direction. If you decide to purchase through a dealer, that is great! But remember to negotiate a price that you are satisfied with, get your moneys worth.

If you choose to buy through a private sale, you will need to undertake extensive research in finding the best option. That is, the right model, color, low kilometers and to check whether the car has been completely paid off from any previous loan.

For more information on what rates and loan terms are currently available contact Natloans on 1300 955 791.

Finding the right car

When in comes to finding the right car it can often be quite difficult due to the huge range of cars in the market. There are all sorts of designs, coluors and varying features. Although they are all used for the same purpose the extent of luxury varies significantly depending on the make/model.

If you know nothing about car shopping you have a few things to learn! Finding yourself the perfect car can be done online, by a dealership or even in the local trading post. The first place to start is at the car yard, allowing you to choose a car that you like and is between your budget. Once you have chosen a few cars of interest your investigation begins in order to narrow your search down.

Websites such as www.carsales.com.au offer a wide range of new and used cars, allowing you to search according to the make, model and even location in which the car is currently in.  This is the most popular way of finding a car, checking online daily to see if the right car is on the market.  If and when you find the car, call the owner to pop by for a test drive! Remember to ask:

  • Whether the car has been completely paid off?
  • When the registration is due?
  • If the car has been in any major accidents?

If the car has traveled a significant amount of kilometers you may be able to negotiate with the owner to drop the price even further. Look for any flaws of the vehicle, even if it is a scratch here and there to drop the price to a satisfactory one!

If you aren’t up with technology the trading post is a great way to find your car! Although you may not be able to see a visual at all times, if you know what you want it should be fine due to you will be taking it on a test drive before you make the purchase.

Knowing what you want to buy will allow you to find the best deal available and narrow down your search quickly. Reading up on reviews will also guide you in the right direction. For more information on what deals are available on new and used cars contact Natloans on 1300 955 791 or visit the website www.natloans.com.au

Tyre and Rim Insurance

Are you unsure what insurance products are available to you? Well you’d be surprised on what offers are out there these days. Tyre and Rim insurance is now offered at majority dealers and financiers, it allows drivers to go for a ride without having to think about the event of their tyre going flat or nail going through it.

There are a variety of deals in which you can choose from, the standard deal includes of:

–          3 years protection

–          No excess no claims

–          Towing to the nearest repair shop

–          Offers discounts on tyres (Note: only specified manufacturers)

Insurer’s are quite strict as to when they will and will not pay out their client. They will not pay damage that is caused intentionally or if the client is failing to maintain the vehicle or bike. In some cases they will not cover mother nature disasters i.e. flooding not caused by storm water. They will only cover what is under the agreement, nothing more.

Before make any agreement read the fine print, you must be aware of what exactly are your terms and conditions.

For more insight on how to go about renewing or purchasing tyre and rim insurance contact Natloans 1300 955 791.

Am I eligible for a loan if I am unemployed?

Getting finance has become an increasing need these days and it makes it all the more harder if you are unemployed.

Most financiers will only consider you as an applicant if you are currently employed. You need to show evidence that you are committed in paying off your debts and can afford it on a regular basis. Financiers want to feel comfortable that they will receive their money back on time and in full. Another factor you should keep in mind is that lenders automatically allocate a part of your wage towards your children if they are under the age of 16. If there is no excess money left, you will be left with no capacity therefore unable to cater for a new loan.

Other factors that are taken into account are:

–          Your living circumstances: That is, if you are renting, own a house, mortgage or boarding.

–          Previous loan history: All payments are paid on time without any defaults.

–          Credit History: Financiers will check your credit history for defaults, bankruptcies and if you have made yourself a busy credit file. If you have done more than 5 applications within the year, this may destroy your chances of getting financed.

If you are after a small amount i.e. $500 you may want to consider a pay day loan. However, if you are wanting $5000 or more you should consider working at least part-time to show that you will be able to repay your new loan.

If you are a pensioner or receive government funds it is advisable that you speak to a consultant before you start applying anywhere.  There may be another way around, for instance: having a co-borrower or taking out a joint application, however these circumstances are quite rare when unemployed.

If you wish to have a chat about your options, don’t hesitate to contact us and one of our staff would be more than happy to assist. You can find us at www.natloans.com.au or give us a call on 1300 955 791.

How to select car Insurance

What is car insurance, there are so many options out there to consider when selecting your car insurance policy. In every state everyone has to have insurance by law in the event of an accident where you have damaged your car or someone elses. The person who wants to be insured pays money for a policy that will provide protection when the product being insured is damaged.

When selecting a car insurance policy it is good to ring around and see what deals suit you and your budget. Before contacting any insurance companies consider whether you need more coverage such as emergency roadside assistance in result of breaking down. Ask about discounts for age, good driving history or insuring multiple vehicles with the same company and ask the insurance companies to email you a proposal in the event of calling back and the quote has changed.  The insurance policy that best suits you and your budget is the one to go ahead with, make sure you know the value of your car, the make and model and plate number this will make it much easier to proceed ahead with the customer service with the insurance company.

If you ever need to have a chat about your options in taking out a some insurance please do not hesitate to contact us and one of our supporting staff would be more than happy to assist you with any concerns you may have. You can find us on our website www.natloans.com.au or give us a call on our toll free number 1300 955 791

Securing your ride with a personal car loan

Once you find your dream car it is difficult to put your mind to anything else. The roar of that engine, those creature comforts, and that new car smell are too hard to forget. But if you have no cash it can seem like a distant dream never to be realised. With a secured personal car loan your foot could be inches away from that accelerator.

Unlock the benefits of a secured car loan

Having no cash in the bank doesn’t mean no new car. With a secured personal car loan your dream is just an application away. It’s possible because your new car will be held as security against the loan. That way you will have your new car to enjoy immediately while your lender holds security. This allows you to also access competitive interest rates, a win win. At the end of the loan term, the ownership is transferred back to you to continue to enjoy. If you do have a deposit available you can also select to borrow a partial amount of the purchase price.

Your personal secured car loan provides a host of other benefits including:

  • Loans terms up to 7 years
  • Flexible repayment options to suit your lifestyle
  • Fixed interest rates to help you budget
  • Interest calculated daily and charged monthly
  • No penalties for extra repayments
  • Balloon or residual options to further decrease interest rates
  • Loans available for new or used cars and dealer or private sales welcomed.

Speedy approvals for your secured car loan

So get ready to negotiate a price with your seller. With the right personal car loan you could be in your new car next weekend. Don’t be fooled by a loan that offers low interest rates and stops there. Talk to a specialist who understands the finer print. Natloans personal car loan specialists can help you find a secured car loan that ticks all the boxes. With access to a broad range of reputable and trusted lenders, Natloans will save you time and money. Coupled with exceptional customer service and a fast approval process, one call to a Natloans finance broker will guarantee your ride.

Borrow more against your car with collateral loans

Your car can win you greater borrowing potential. Sure cars are renowned for being depreciating assets. Yet when it comes to securing finance, lenders still view your vehicle as valuable security. So collateral loans allow you to leverage  your car to obtain funding. You are simply required to put you your car as security against the loan.

Now certainly car collateral loans give you access to cash without undue hardship. In such a case lenders tend to exercise extreme leniency in borrower requirements. But what does it mean when you pledge your car as collateral again your loan? Essentially should you default on fulfilling your loan obligations, your lender can take possession of your car and sell it to recover all or part of their finance.  That is why it is crucial that you secure auto collateral loan terms that you can satisfy. Do this and you have one saviour of a financial solution to hand.

Collateral loans driven by your car

Almost everyone needs extra cash at some stage in their lives. Yet not everyone is asset-rich enough to raise funds by selling off personal property. Or even winning lender confidence through big ticket collateral like a family home. Then if you have poor credit things can get even tougher. Here is where your trusty wagon can really pay dividends. Providing necessary collateral for you to obtain a flexible personal loan fast.

Auto collateral loans are essentially secured personal loans. So you can use the finance for almost any reason you like. For this reason, auto collateral loans are most popular amongst borrowers needing emergency cash.

Lenders offering collateral loans impose minimal requirements on finance. Factors considered include your:

  • Employment history
  • Residence history
  • Total ownership of the car
  • Value of your vehicle

With an auto collateral loan driving your finances you can spread a large one-time expense over several months. Or an agreed loan term. So budgeting  becomes a whole lot easier.

Get on the road to top auto collateral loans

Whether it’s your pride and joy or essential family vehicle, your car is an important asset. So placing your wheels up for collateral can be risky. After all, if you are unable to satisfy your auto collateral loan you may find yourself carless. That means beating the feet to get anywhere. Or relying on public transport. But you still need the cash an auto collateral loan offers. So ensure you clinch the best terms to match your situation. Consulting experienced finance brokers like Natloans connects you straight to your ideal fit in auto collateral loans. Saving you time, cost and stress while safeguarding your precious wheels.

Get your financial health travelling first class with a finance broker

You don’t have to be rich to bear financial risk- or to gain financial reward. The key is to spend smart and invest wisely. The right finance broker will not only procure you optimum terms and loan conditions. They will also furnish you with expert financial advice on how to best protect and maximise what you have. So whether you have a superb stash of savings or live on a shoe string always seek the best price and advice. Trust Natloans finance brokers for both.

Fast track your financial goals with specialist advice

Thought finance brokers merely did your loan shopping for you? Time to think again. Top finance brokers pair financial solutions with specialist advice matched to your goals. This extends beyond just the loan options you’re considering. Encompassing instead the financial ‘big picture’ in which your current and future goals operate.

For example, Natloans finance brokers can give you much advice to:

  • Keep your home loan rate variable. Or at the very least cover all bases by having part variable and part fixed rates. You’re currently best positioned to make best savings throughout your loan life span with a variable rate. That means more money in your pocket for other things
  • Enlist expert help in your financial planning. Finance brokers like Natloans place a host of online budgeting tools at your fingertips.  So you can get reliable answers and financial modelling from the comfort of home. These award winning finance brokers are also available in person to give you customised budgeting and planning support.
  •  Stocks can be a lucrative investment but only when chosen wisely. Again, the right financial advice can help you leverage stocks for greater gain. Remember though, patience is important when playing the stock market. Sometimes even a great investment takes some time to mature.
  • Clean up your credit rating to boost financial credibility and bargaining power. Keeping or rebuilding pristine credit is crucial to enhancing your financial health. Full service finance brokers like Natloans can lend experienced support in this endeavour. Quickly and easily, Natloans can source your credit file, help you interpret it’s contents and help you map out a credit clean up plan. Potential lenders refer straight to your credit rating when determining whether you’re a sound borrower. And how much they are prepared to lend you. So tip top credit health is crucial to your overall financial wellbeing.
  • If you’re going to rent do it right. There are benefits to renting as opposed to taking on a mortgage. Like lower living costs because rent is usually cheaper than home loan repayments. But don’t let the extra cash in hand difference fall through your fingers. If you find it financially more appealing to rent save or invest the difference in appreciating or important lifestyle assets. Natloans finance brokers have the tools, know-how and networks to help you leverage savings for maximum fulfilment.

Your finances take flight when powered by the right advice

Building your finances on strong foundations is the vanguard of good financial health. No matter what your income or investments. Speak to Natloans finance brokers for insightful advice on how to leverage the current financial market to your gain. And avoid falling into borrower traps that can send your finances ailing. With healthy finances behind you bolstered by smart spending strategies you can turn what you have into so much more.

Drive expedited car loan research using online calculator tools

Online Calculators for Car Loans

Car loans can take a lot of work. By the time you have researched dozens of different lenders, products and interest rates online. Or physically trekked around to investigate these in person. Well you may think it is just easier to walk or take public transport. But that is not so. You can get valuable personalised car loan information at the touch of a button. Using quality dependable online car loan calculator tools. Like the kind offered by award winning Australian vehicle finance broker Natloans.

Car loan safety in numbers

There are many factors to consider when weighing up a car loan. Like:

  • Precisely what your borrowing capabilities are
  • Your ability to afford repayments
  • How reasonable the interest rate
  • Whether the overall cost obligations fit well into your lifestyle and budget
  • Exactly what budget you should be looking at for car acquisition.

Trustworthy online car loan calculators can answer all these questions for you. And you can have your answers within minutes. It doesn’t matter whether you are looking for a personal car loan or a business car loan. You can do almost all your key financial research from the comfort of home or office. Plus it won’t cost you a dime.

True online car loan calculators let you model as many different scenarios as you like. With no obligation or expense attached. There are a range of online calculators available to aid your car loan selection, including:

  • Car loan repayments calculators
  • Car loan borrowing calculators
  • Car loan comparison calculators

There is no easier way to truly research and investigate your car loan options.

Rely upon reputable car loan calculators

When it comes to doing the numbers on your car loan, you need information you can trust. So when you use Natloans online car loan calculators you are in safe hands. For a start Natloans is Australia’s Best Vehicle and Equipment Finance Broker for 2010, 2011 and 2012. So their brokers have designed calculator tools that are up-to-the-minute on market knowledge. Plus Natloans enjoys absolute professional independence. That means your car loan research will not be skewed towards a particular lender or product. What is more, once you have the data you need Natloans can translate this into an individually tailored quality car loan. Further ensuring your financial comfort and cash position remains in-tact. So why wait? Put Natloans broad range of free online car loan calculators to work anytime, 24/7. And be pleasantly surprised at how swift and simple car loan research can be.

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