The process.
From saying hello, to new seat covers, six steps is all it takes for you to get on the road.
Get in touchCar loans.
Avoid the speed bumps and let our brokers find the car loan right for you, and your new ride.
Car Loan Brokerage in Adelaide
When it comes to financing a car, navigating lenders, rates, and repayment terms can be overwhelming. That’s why TTO Finance acts as your car loan brokerage partner, comparing options and managing the finer details so you don’t have to. That includes researching multiple lenders to secure competitive rates and suitable terms. We clearly explain each option to make sure you fully understand what you’re signing up for. We also handle the paperwork, helping you avoid delays or hidden traps. Then, because our team has an accounting background, we can integrate your chosen loan into your overall financial plan so it complements your budget and goals rather than disrupting them. We know searching for car loans on your own is time-consuming, and that hidden fees or complex interest rate structures can lead to costly mistakes. By doing the legwork for you and clarifying the differences between leases, hire purchase agreements, or secured loans, we help you save both time and money. Whether you’re pressed for a quick turnaround or just unsure which type of loan is best, TTO Finance provides expert advice every step of the way.
How do I know if I qualify for a car loan?
Eligibility often depends on factors like your credit score, income, and employment history. We’ll review your details in the initial consultation and help you find a lender that meets your needs. Additionally, we may consider factors such as existing debts, monthly outgoings, or any past financial challenges when seeking the most suitable match. Our goal is to ensure you understand exactly what lenders are looking for, so you can present the strongest possible application.
Can you assist with both new and used car loans?
Absolutely. Whether you’re purchasing a brand-new model or a used vehicle, we can connect you with lenders who offer suitable options for your situation. Different lenders have varying requirements depending on the car’s age, mileage, or intended purpose. We’ll guide you through those specifics, ensuring you pick an option that best aligns with your budget and any long-term ownership plans.
-
Say hello
Get in touch to discuss your current financial situation and goals, in person or online.
-
The shortlist
We’ll compare a long list of loan providers and create a shortlist that’s sure to suit you.
-
The greenlight
Once you’ve chosen a lender, we'll get you pre-approved so you know your borrowing capacity.
-
Tinted window shopping
With pre-approval under your belt, you can finally start looking for your new ride. To take the hassle out of the hunt, we can also set you up with simple to use car buying services.
-
Secure the finance
Once you’ve given your new ride a test drive and have decided on your new set of wheels, we’ll work to secure finance from your lender.
-
Drive away
Now, all you need to do is make an offer. If all is well and good, simply pick up the key and drive away (into the sunset, of course).
Other things to consider: Balloon payments.
-
What?
You choose to pay a larger sum of the loan value at the end of the loan term. The sum you pay is usually based on a fixed percentage of the total loan value.
-
Why?
Reduce your repayments when you first start paying off the loan.
Consider how this will affect the amount of interest you pay over the life of the loan and the total amount that is left to pay at the end of your monthly repayment term. The remaining sum will need to be paid in full in one lump sum.
-
How do I know if this is right for me?
We can help you understand whether this approach suits your needs and run through the considerations and benefits in more detail. Get in touch.
Ask us a question.
We're here to help.