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Things You Wish You Knew Before Buying a Car

What should I know before purchasing a car?

Things You Wish You Knew Before Buying a Car

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Welcome to Things You Wish You Knew Before Buying a Car - the ultimate guide to understanding car financing.

For a limited time, you can download a free copy of this valuable resource. Our retail price for the eBook is AUD $19.95, but we're offering it to you for free - no strings attached!
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Whether you're a first-time car buyer or an experienced shopper, this book is an essential resource for getting the best loan for your needs.

Inside this book, you'll discover tips for improving your credit, finding the best financing options, and negotiating for better loan terms. With a clear understanding of the factors that impact your ability to qualify for a car loan and how much you can afford to borrow, you'll be able to make an informed and confident car financing decision.

Published: Wednesday, 22nd Feb 2023
Author: Paige Estritori


Car Loans Articles

The Credit-Savvy Car Buyer’s Guide to Obtaining Affordable Insurance
The Credit-Savvy Car Buyer’s Guide to Obtaining Affordable Insurance
Embarking on the journey of car ownership comes with its share of responsibilities, one of which is securing affordable insurance. Understanding the intricacies of insurance rates is central to managing this recurring expense effectively. Insurers take into account numerous factors when determining your premium, including but not limited to driving history, vehicle type, and geographic location. - read more
Navigating Credit Scores: How They Impact Your Car Loan Options in Australia
Navigating Credit Scores: How They Impact Your Car Loan Options in Australia
Welcome to the guide designed to help you navigate the intricate world of credit scores and their impact on your car loan possibilities in Australia. Whether you're a long-term resident or here for a temporary stay, understanding the nuts and bolts of credit scores is crucial in securing your ideal vehicle through a loan. This post aims to shed light on this pivotal financial metric and aid you in your car financing journey. - read more
Your Ultimate Guide to Car Finance in Australia: Top Tips for Finding the Best Deals
Your Ultimate Guide to Car Finance in Australia: Top Tips for Finding the Best Deals
Car finance in Australia presents a myriad of options for those looking to purchase a vehicle through a payment plan. Understanding how car finance works is crucial to navigating this complex landscape and finding a deal that aligns with your financial goals. From loans offered by banks and credit unions to dealer financing and specialised car finance companies, the choices are extensive. - read more
Loans for Cars: Establishing How Much You Can Afford to Borrow
Loans for Cars: Establishing How Much You Can Afford to Borrow
When it comes to car loans, one of the first things you need to determine is your budget – how much can you afford to borrow and still comfortably make your monthly car loan repayments? - read more
Common Car Loan Pitfalls and How to Steer Clear of Them
Common Car Loan Pitfalls and How to Steer Clear of Them
Buying a car is a significant financial decision, and for many Australians, this means taking out a car loan. - read more
How to Find Budget-Friendly Car Insurance for Your New Vehicle
How to Find Budget-Friendly Car Insurance for Your New Vehicle
Buying a new vehicle is an exciting experience, but finding budget-friendly car insurance can often feel overwhelming. Understanding how to navigate the landscape of car insurance is crucial to ensuring you get the best deal possible. - read more
The Ultimate Guide to Fast Track Your Car Loan in Australia
The Ultimate Guide to Fast Track Your Car Loan in Australia
Welcome to The Ultimate Guide to Fast Track Your Car Loan in Australia, designed to help you navigate the exciting journey of buying a car for the first time. Buying a car is a significant milestone, and securing the right finance can make all the difference. - read more

Finance News

Australian Used Car Market Ends 2025 on a Softer Note
Australian Used Car Market Ends 2025 on a Softer Note
05 Feb 2026: Paige Estritori
The Australian Automotive Dealer Association (AADA), in collaboration with AutoGrab, has released the December 2025 Automotive Insights Report (AIR), revealing a significant downturn in the used car market as the year concluded. - read more
Plug-In Hybrid Vehicles Gain Momentum as Petrol Car Sales Decline in Australia
Plug-In Hybrid Vehicles Gain Momentum as Petrol Car Sales Decline in Australia
05 Feb 2026: Paige Estritori
The Australian automotive market is witnessing a significant shift in consumer preferences, with plug-in hybrid vehicles (PHEVs) experiencing a remarkable surge in sales, while traditional petrol vehicle sales continue to decline. - read more
Macquarie Bank Transfers $1.5 Billion Car Loan Portfolio to Allied Credit
Macquarie Bank Transfers $1.5 Billion Car Loan Portfolio to Allied Credit
28 Jan 2026: Paige Estritori
In a significant move within the Australian financial sector, Macquarie Bank has agreed to sell a $1.5 billion portfolio of car loans to Allied Credit, a leading independent financier in Australia. This portfolio encompasses over 50,000 car loans and is slated for transfer by the fourth quarter of 2025. - read more
ASIC's Findings Highlight Urgent Need for Reform in Car Finance Lending Practices
ASIC's Findings Highlight Urgent Need for Reform in Car Finance Lending Practices
20 Jan 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has recently unveiled findings from its comprehensive review of the motor vehicle finance sector, highlighting concerning trends that are likely to prompt a tightening of lending practices across the industry. - read more
Affordable Electric Vehicles: New Low-Interest Loans for Eligible Australians
Affordable Electric Vehicles: New Low-Interest Loans for Eligible Australians
20 Jan 2026: Paige Estritori
The Australian government has launched a new initiative to make electric vehicles (EVs) more accessible to a broader segment of the population. This program offers low-interest loans to individuals earning less than $100,000 annually, as well as essential workers, facilitating the purchase of new and used EVs priced up to $55,000. - read more
Surge in Car Loan Delinquencies Sparks Financial Sector Worries
Surge in Car Loan Delinquencies Sparks Financial Sector Worries
20 Jan 2026: Paige Estritori
Australia is witnessing a notable increase in car loan delinquencies, raising alarms about the potential ripple effects on the broader financial sector. This trend reflects the financial strain many Australians are experiencing amid economic challenges. - read more
ASIC's Findings Highlight Urgent Need for Reform in Car Finance Lending Practices
ASIC's Findings Highlight Urgent Need for Reform in Car Finance Lending Practices
04 Jan 2026: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has recently unveiled findings from its comprehensive review of the motor vehicle finance sector, highlighting concerning trends that are likely to prompt a tightening of lending practices across the industry. - read more
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Knowledgebase
Debt-to-Income Ratio (DTI):
A personal finance measure that compares an individual's monthly debt payment to their monthly gross income.