DON’T BE FOOLED BY ZERO PERCENT
Many deals sound too good to be true - generally because they are !!- December 20, 2016
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Many deals sound too good to be true – generally because they are. Most zero percent car finance offers certainly fall into that category. They are definitely a good marketing strategy – because they increase inquiry rates at dealerships – but they are seldom a good deal for customers.
Zero percent finance is actually a form of ‘sub-vented finance’ – where the interest is actually paid indirectly to the financier. In practise, how this works is the dealer pays the interest to the financier from the profit out of the sale of the new car. This is why, when a purchase is completed using a zero percent offer, there is little room, if any, to negotiate on the price of the vehicle.
When choosing finance it is essential to look at the overall deal rather than do what the marketers want – which is to see you focus exclusively on the zero.
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A Brief Explanation of Credit Scores
Your credit score is like a numeric grade that indicates where your credit history stands at a specific point in time.- December 20, 2016
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Your credit card balance is more than just the amount of money you owe to your credit card issuer. Your credit card balances have a direct impact on your credit score. As the credit card balance updated on your credit report changes, your credit score can fluctuate, too.
A Brief Explanation of Credit Scores Your credit score is like a numeric grade that indicates where your credit history stands at a specific point in time. The credit score is based on information about your credit card, loan, and other debt accounts listed in your credit report. Things like the account balance, payment history, credit limit, and age of the account are listed on your credit report and used to calculate your credit score. Each factor is given a differ
ent weight in calculating your credit score: Payment history counts 35% of your scoreLevel of debt counts [...]
Seven seater comparison review: Toyota Kluger GX AWD
The Toyota Kluger offends no one by sticking to the middle of the road.- December 14, 2016
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NEED proof that Australians are becoming more like Americans? Presenting exhibit A: Toyota Kluger. Square jawed, spacious, and muscular, the seven-seater SUV feels totally tailored for local tastes. No surprise, then, that it is this test’s biggest seller by some margin.
Recommended for you: Toyota Prado Review – Now Toyota Prado Review Here.
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The latest Kluger, however, is more Uncle Sam than Uncle Arthur, with this third-generation Toyota Camry/US Avalon-based version sourced from Indiana since its early-2014 launch. In a comparison last year, the up-spec Grande AWD suffered against rival diesel alternatives (the Toyota is petrol-only), mainly because of a jittery ride, road drone, and excessive consumption. But this time, both the GX and GXL AWDs (we reviewed both; GXL pictured) impressed on a number of fronts.
Firstly, it’s the most [...]
Buying A New/Used Car Tips
Organise Your Finance Before Shopping For Your New/Used Vehicle- December 9, 2016
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Organise Your Finance Before Shopping For Your New/Used VehicleSaves time as you know exactly what you can and can’t afford. Pre-arranged finance approval also enables you to act quickly when you do find the right car and negotiate a better deal. So call us now for your pre-approval. www.getthatcarloan.com.au Shop Around Before You Buy
Look at a number of cars, so you can get a good idea of the prices, kilometres of the car and overall condition. Get An Inspection
Have the car checked by a professional who will be able to give you a pre-purchase inspection report on the condition of the car. Ask About A Warranty If the vehicle is out of manufacturer’s warranty, expensive mechanical repairs could become a financial burden. Get That Car Loan broker can assist by arranging an extensive warranty [...]
