Finance
 

Hi All,

I need to organise some finance for my 370z. Any recommendations/suggestions? Thanks.

I'm not much help as I paid with moollas but the dealership should have options...

SPD Financial Services - he's a gun :tiphat:

I can help you with banks from USA but you're Australia, so I'm out of luck. Good luck though

Depends on how much interest you wanna pay

Go a CHP if you can as it's tax deductible via the logbook method. ;)

be pre approved before you walk into the dealership and ask for their financing, so you have a real number to work with.

Save up and pay cash like me.

Write your current car off in a flood and buy one, like me!

Lol I did that @ ferntreegully nissan, took them 1.5hrs to count, waste.of my time. I told them I was paying cash they thought I was bs.

think most banks for personal secure loans are 10.99% over 5yrs
ie:bankwest

anyone suggest anything better?
if i was to save and pay cash, it would take 3 years at LEAST O_O

If you own a house you can use the equity abit lower interest

lol, I paid via bank cheque.

I didn't walk in with a money bag like scrooge mcduck

Wasn't that big can fit in puffy jacket, na I'm in the wholesale induatry, always got abit of invoices that I accidentally did not declare

Nissan NSW told me 8-10%, depending on the risk.

Well, not quite certain how similar things are in Oz, but my suggestions are:

1. Go with a smaller lender (e.g., a credit union) over a large bank -- they tend to offer better rates.

2. Secure financing BEFORE you go.

3. Do NOT let the dealership know how much financing you have -- just tell them you have it and strike the best deal you can.

4. Do NOT take the first offer they throw at you -- I've stormed out of dealerships angrily, and guess what, they generally call back tomorrow with a counter offer (maybe this is a USA thing :p )

5. Do not bother getting any extra bells and whistles the dealer offers (e.g., undercarriage coating, etc.) it's never worth it. Even extended warranties aren't worth it -- they can be gotten at a later time, and unless you plan on keeping the car for longer than 6 years, why bother?

6. The dealer may offer to get you a better rate -- that's dubious and allowing them to check will ding your credit -- just stick with what you have, it's probably about as good as its going to get.

Check this crowd out...

Best Car Finance & Car Loans - Instant Online Quote - Car Finance Broker Australia - Stratton Finance

When I was hunting around they had the most competitive rates. Plus they also offer all forms of finance - Loans, leases, consumer hire purchase, etc.

They can advise you on not only what suits your financial situation but also what will gain you the best tax advantage.

Hope this helps.

My mate Adam does all finance and salary packaging at Salpac. You'll be able to pay for the car with pre-tax dollars if you set it up correctly. It'll save you a tonne of cash in the long run.

Ask him to explain the different types of finance like Commercial Hire Purchase, Chattel, Spouse, Associated, Novated, and he'll suggest whats best for you. Say you know Darren though the 370 forums.

Salpac - Salary Packaging and Salary Sacrificing Specialists

Small banks can give a better option...or if your military use USAA...4.25% depending on your credit. >_<

deposit also can help ... would rec a min 20k if you can