AFTER THE LOAN BEGINS
Managing the loan when the plan changes
Selling, refinancing, a write-off, missed repayments or a decline each creates a different problem. Start with the right figure, document and support pathway.
Do not solve every problem with another loan
The correct starting point might be a lender payout, insurer settlement, hardship request, PPSR result or credit report. A replacement application cannot remove an unresolved debt, unaffordable repayment or registered security interest.
Selling a Car with Finance Owing
Understand payout figures, PPSR security, buyer protection, settlement and equity before selling a financed car.
Read the guide →Negative Equity on a Car Loan
Calculate negative equity using the lender payout and realistic vehicle value, then understand the effect on selling, refinancing, upgrading and insurance.
Read the guide →Paying Out a Car Loan Early
Compare the payout figure, fee treatment, interest saving and security discharge before closing a car loan early.
Read the guide →When a Financed Car Is Written Off
Understand insurer assessment, loan payout, financier payment, shortfalls and replacement decisions after a write-off.
Read the guide →Missed Car-loan Repayments and Hardship
Act early after a missed car-loan repayment and understand hardship requests, lender responses and free support pathways.
Read the guide →Car-loan Repossession and Remaining Debt
Understand Australian car-loan default notices, hardship options, vehicle repossession, lender sale and why a remaining debt can still be payable.
Read the guide →What to Do After a Car-loan Decline
Respond to a declined car-loan application by checking the stated reason, affordability and credit report before creating repeated enquiries.
Read the guide →If repayments are difficult now
Contact the lender early. Free, independent financial counselling is available through the National Debt Helpline. A default or repossession notice needs urgent attention; general website information is not a substitute for advice on the notice.