Positive Lending Solutions Information Centre

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

How a Small Business Loan Can Benefit You

How a Small Business Loan Can Benefit You

A small business loan can help you stay afloat during a cash flow crisis. It also builds and improves your credit score with responsible repayments. Typically available from fintechs and online lenders, it has less restrictive requirements than banks. Read on to know more about the benefits of a small business loan and how to qualify for one.

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Are Low Interest Car Loans the Cheapest?

Are Low Interest Car Loans the Cheapest?

The interest rate is an essential feature of a car loan that you should consider when comparing car loans, but it's not the only important factor. In fact, focusing too much on rate can be a trap.

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How Interest Rates Apply to Car Loans

Here's a detailed look at how interest charges are applied to your car loan, what you can do to minimise the interest that you'll pay, for a successful car buying experience.

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How are Brokers Regulated?

How are Brokers Regulated?

Car loans are regulated under ASIC and federal law. Here's what to look for to ensure that your car loan broker complies and that the broker will put your interests first to find the right loan.

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What Rates and Fees Will Apply to my Car Loan?

What Rates and Fees Will Apply to my Car Loan?

Your guide to the fine print on your car loan. Don't be surprised by hidden rates and fees - with this knowledge you can untangle your car loan contract and avoid getting into a bad deal.

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Should I Make Extra Payments on my Car Loan?

Should I Make Extra Payments on my Car Loan?

Here's how to pay out your car loan early with less fuss, and get financially ahead faster. You can always get expert advice when you need it at Positive Lending Solutions.

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Choosing the Best Family Car in 2018

Choosing the Best Family Car in 2018

Looking to for a new car for your family? Here's the best options in 2018, from city-based, high-tech to off-road comfortable SUV's with the very best safety features, internal space and audio.

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9 Best Cars Under $30,000 in 2018

9 Best Cars Under $30,000 in 2018

Setting a budget doesn't mean you have to buy a cheap car. Here's our best 9 cars under $30,000 so you can choose a brand new car without breaking the bank.

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How To Choose A Car Loan Broker

How To Choose A Car Loan Broker

Here we take an inside look at what makes a truly great car loan broker so you know what to look for when you make your next application for finance.

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Should I Get A Fixed Or Variable Rate Car Loan?

Should I Get A Fixed Or Variable Rate Car Loan?

Find out when to choose a fixed rate loan or variable rate loan to buy your car. With this information, you can make the right decision for your own financial situation.

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Hire Purchase or Chattel Mortgage?

Hire Purchase or Chattel Mortgage?

Compare a chattel mortgage with a hire purchase agreement here to discover which option will work best within your business structure. Consider how the vehicle is used to maximise your tax benefits.

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How To Finance A Business Vehicle

How To Finance A Business Vehicle

A business vehicle loan is more complex than getting finance as a private individual. For your first business car loan, here's what to consider and weight up to make the right choice of finance.

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Where Should I Buy My Car?

Where Should I Buy My Car?

Don't like dealing with car salespeople? There are other options for buying your next new or used car. Compare car buying processes here before you purchase.

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Ask a Broker: What is Positive Credit Reporting?

Ask a Broker: What is Positive Credit Reporting?

Positive credit reporting will become mandatory this year, and is long overdue as Australia catches up with overseas financial systems. Find out what it means for you and your next loan here.

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What Car Loan Should I Get?

What Car Loan Should I Get?

With so many different types of car loans on offer, you need to understand what each one is designed to do to choose the best car loan for your particular situation. Here's a guide to car loans.

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What is a low interest rate for a car loan?

What is a low interest rate for a car loan?

To qualify for the lowest available car loan interest rate, you'll need to have an excellent credit rating. Here's what you can do to secure a great car loan rate.

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How to Save Interest on Your Car Loan

How to Save Interest on Your Car Loan

Take control of your car loan and your financial interests with these tips to pay out your car loan quickly and save on the amount of interest you'll owe.

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Car Sale Statistics From 2017

Car Sale Statistics From 2017

The cars Australian's buy say a lot about our priorities and changes in lifestyle. Here's a look at car sales in 2017 and a prediction for the next few years based on trends and emerging technology.

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Should I Roll My Car Loan Into My Mortgage?

Should I Roll My Car Loan Into My Mortgage?

When you are taking out a second or third loan, it seems like it'll be easier to roll it all into your mortgage, but will it be a good idea long term? Find out here when you should & what to consider.

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What is the Residual Value on My Novated Lease?

What is the Residual Value on My Novated Lease?

A residual value is a mandatory lump sum that you pay at the end of your novated lease, as part of your novated lease contract. Here's what you need to know to understand how a residual value works.

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How Does A Chattel Mortgage With A Balloon Payment Work?

How Does A Chattel Mortgage With A Balloon Payment Work?

A chattel mortgage with a balloon payment is a secured car loan for businesses that allows you to defer part of the payment until later. Here's how it works, and when you should use one.

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