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Journeys : Feb March 2011
February / March 2011 37 5% OFF* across the store *Excludes adver tised specials & benchmark trade specials as displayed in store. Call 6234 3021 95-97 Brisbane St, Hobart. Opposite K & D Warehouse Sparco AUTO PARTS - TYRES - BATTERIES PTYLTD Buying a car on finance Before you go shopping for the car, go shopping for the loan! It could save you a lot of money and you won’t have the worry of financing when you’re looking for the right car. It is easy to compare the advertised interest rates offered by different finance lenders online, but you really need to request quotes to do a proper comparison. The interest rate that a lender offers you will depend on the type of car you want to buy and your credit rating. When comparing loans, don’t just look at the interest rates. The loan with the lowest interest rate may turn out to be more expensive if it comes with additional fees. You need to look at: • Fees such as monthly administration fees • Fees associated with events such as late payments, additional payments or early repayment • The monthly repayment • The total amount repayable Having your car loan pre-approved means you can shop for a car know ing how much you can afford. Not only w ill a pre-approved loan help keep you on track with your budget, you w ill be able to talk about the car purchase price with the dealer, rather than monthly repayments. If the dealer claims to be able to offer a better finance deal, don’t dismiss the offer. Instead, ask for the same information that you gathered from other finance lenders and r un through your compar ison checks again. Preparing your loan ahead of time helps prevent complications. Problems that can be remedied, such as an incorrect credit rating, are best discovered when you have time to correct them. And most important, it ensures that you’ll get the best possible loan. RACT Finance offers low rate, secured car loans with no monthly fees. Call 13 27 22 or visit www.ract.com.au for a quote. Life on the move
Apr May 2011