How Much Car Can You Afford?

Your rate depends on your credit profile, loan term, vehicle age, income stability and financier assessment. BaseRate helps you explore suitable options from its lender panel, not the whole market.

A comparison rate combines the interest rate with ascertainable credit fees and charges for a stated loan amount and term. It helps compare similarly structured offers, but it does not include every possible cost and is not a personalised total-cost figure.

It depends on the credit contract. Check whether extra repayments are permitted, whether an early-payout or break cost can apply, and whether extra money can be redrawn. Do not infer flexibility from the interest-rate type alone.

Timing depends on the lender, application and transaction. A conditional decision can be fast, but final approval and settlement may wait for identity, income, liabilities, vehicle, insurance, seller or payout verification.