Positive Lending Solutions Information Centre

Welcome to the Positive Lending Solutions information centre, our finance blog is here to financially empower Australians

Guide to Debt Consolidation: Everything You Need to Know

The Guide to Debt Consolidation walks you through the intricacies of debt consolidation, starting with an explanation of what it is and how it simplifies managing multiple payments into one.

This step-by-step process includes assessing debts, exploring loan options (personal loans, home equity loans, or balance transfer credit cards), crunching the numbers, applying for a debt consolidation loan, and paying off existing debts.

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What is a car loan broker?

Our blog, "what is a car loan broker" explores how these professionals simplify the car financing process. Car loan brokers act as expert guides, connecting you the right financing solutions without harming your credit score. They are especially valuable for challenging financial situations. With access to multiple lenders, market knowledge, and interest rate expertise, they provide a hassle-free, personalised experience, handling paperwork and pre-approval.

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7 Finance Tips for Buying a New Car

Purchasing a new car is an exciting experience, but we understand there is a lot to navigate along the way. These seven tips can help you take control of the car-buying process, and potentially save thousands of dollars over the life of your car loan.

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How to Know If You Can Afford a Car Loan

How to Know If You Can Afford a Car Loan

Can you afford a car loan? We explain what it means to “afford” a car loan and list ways that really help figure it all out based on your circumstances, needs and wants (in that order).

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BANK STATEMENTS AFFECT CAR LOANS

How Bank Statements Affect Loan Outcomes

Bank statements affect car loans in a number of ways, sometimes in a good way and sometimes not. Here’s all the info you need to ensure yours are in top shape.

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TOP 7 QUESTIONS TO ASK WHEN BUYING A USED CAR

Top 7 Questions to Ask When Buying a Used Car

Buying a used car can be daunting - but it doesn't have to be. Check out these top 7 questions to ask when you’re car shopping (they could save you a lot of money).

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CREDIT SCORE TIPS

5 Things You Should Know About Credit Scores BEFORE Applying For a Loan

What is a credit score and how does yours stack up? Where do you get one and how do you make it increase? We cover all you need to know before you apply for a loan.

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TOP 5 EXPERT TIPS FOR GETTING A PERSONAL LOAN

Top 6 Expert Tips For Getting a Personal Loan

Top FIVE tips for getting a personal loan (plus FAQs answered). We list all you need to know to ensure you have the best chances of approval and getting the lowest possible rates.

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SECURED CAR LOANS

Are Secured Car Loans Easier To Get?

Here's why secured car loans can be easier to get, plus all you need to know to nsure you make the right choice.

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CAR LOANS FOR CASUAL WORKERS

Car Loans For Casual Workers

Getting a car loans for casual workers can be challenging. Our guide to car loans for casual workers can help you to secure the loan you need despite your casual employment status.

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BALLOON PAYMENT

What Is A Residual Value Or Balloon Payment?

What’s a balloon payment? How about a residual value? (hint: they’re the same) We take a look and detail all you need to know.

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Private Sale Car Loan

Can You Get a Private Sale Car Loan?

Private sale car loans can seem confusing, but they’re not. We take a look and list the facts on buying cars from private sellers with a car loan.

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CAR LOAN CHECKLIST

Car Loan Checklist

Having a car loan checklist can really help when you’re looking for a new car and if you want the best rates and outcome possible. Check out this car loan checklist and explanation of the process.

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Why Are Used Car Loan Interest Rates Higher Than New Car Rates?

Why are used car loan interest rates more than those on new cars? We take a look and find out why used cars come with more risk to lenders.

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SAME DAY CAR LOANS

Read This Before Choosing a Same-Day Car Loan

It's easy to be tempted by a same-day car loan, especially when you need a car quickly. Find out all about same-day car loans to make sure you're setting yourself up for a win.

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AFTER CAR LOAN PRE APPROVAL

What Comes After Car Loan Pre-approval?

You’re pre-approved for a car loan… Now what? We take a look at what comes after car loan pre-approval and why they’re so important.

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AM I ELIGIBLE FOR CAR FINANCE

Am I Eligible for Car Finance?

Are you eligible for car finance? Find out here as we go over what you need to be eligible for car finance today.

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BROKER QUESTIONS

What Questions Do Car Loan Brokers Ask?

What kind of questions will a broker ask you when you apply for a car loan? We list typical broker questions and explain why they need such information.

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interest rates determined

What Determines Your Interest Rate

We all know that interest rates are an important part of finance, but how are they calculated? We take a look at things that can affect your loan interest rates and offer top tips.

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AVOID CAR DAMAGE

How to Avoid Car Damage the Simple Way

Taking care of a car doesn’t have to be a hassle - it can be simple. That’s why we’ve listed these tips to make car care easy.

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