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Shopping around for the right loan can save you thousands of dollars in interest and fees.
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A car loan broker is someone who acts as the middleman between lenders and borrowers looking for car finance.
In a nutshell, it’s their job to help people get the best finance to buy a car.
But the actual role
of a broker is complex.
They use their expertise to find the best car loan for your individual circumstances.
This means they need to understand your finances and other needs.
They also need to be across lenders’ rules and products in a lot of detail.
When you’ve decided on a loan, the broker will also help you with your application.
For people who need it, car finance brokers provide a useful service.
But there can be possible downsides to watch out for.
So here are some of the pros and cons to consider when deciding whether to use a car loan broker.
If you have a good credit score and are employed, you should be able to avoid the costs of a broker and find a good deal by yourself.
Online loan application forms are pretty streamlined these days.
You can often apply for car loan pre-approval too which can make the process even easier.
This can be as simple as answering a few questions. Then uploading some documents to show that you're eligible, and providing information about the vehicle you’re buying (if it’s a secured car loan).
There are also easy-to-use online tools, like car loan calculators, that can help you work out your car finance costs by yourself.
Working with a broker can be an excellent way to get a good deal on a car loan with minimum risk or work on your part.
Things to ask a broker:
With a little research online you can often find reviews of brokers from previous clients, and refine your search for a decent broker before you waste any time.
Car loan brokers are located throughout Australia.
Particularly in the major cities including, Melbourne, Sydney, Perth, Adelaide, Canberra, Brisbane, Darwin and Hobart.
A simple online search should help you locate one near to you.
Or at least an online broker who helps borrowers regardless of their location in Australia.
Shopping around for the right loan can save you thousands of dollars in interest and fees.
Get matched with these top Australian lenders
Car Loans guides and resources
Where to next? Read our other car loan guides to understand more about your options for financing your next car.
*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.